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Residential Mortgages


For the latest updates and essential information during the COVID-19 pandemic read our FAQs.


Important information: your case and the stamp duty holiday

Ahead of the extended stamp duty holiday deadline on 30 June please be aware we cannot guarantee your client that their mortgage will complete in time to be eligible. This particularly applies for purchase applications and any remortgages where additional borrowing for any onward purchase is required. You must ensure your client is aware of this.

For information about the stamp duty holiday and rates which will apply from 1 July please click here to visit gov.uk.


We can help your clients with their purchase or remortgage.

If our rates don't make it to the top, three things are always on the table: an open mind to unusual applications, a willingness to understand your client's circumstances and all throughout England and Wales.

2.75% 2 Year Fixed Rate 80% LTV

About
Fees
Apply
  • FIXED RATE of 2.75% until 30/06/2023 then reverting to 3.50% (Ipswich SVR minus 1.74%) until 30/09/2026 then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • 4.3% APRC
  • Available for purchase and remortgage only up to 80% LTV

15256, 72348

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
£800 £19 Purchase: Based on property valuation Remortgage: FREE - £35 £750k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 30/09/2026
Overpayment of 50% or above - Early repayment charge is 3% of the overpayment
Redemption - Early repayment charge is 3% of the original loan amount

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

 

 

 

3.10% 5 Year Fixed Rate 80% LTV

About
Fees
Apply
  • FIXED RATE of 3.10% up until 5 years from date of completion then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • 4.4% APRC
  • For purchase and remortgage only up to 80% LTV

15257, 72349

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
£800 £199 For purchase: based on property valuation. Remortgage: FREE - £35 £750k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 5 years from date of completion
Overpayment of 50% or above - Early repayment charge is 5% of the overpayment
Redemption - Early repayment charge is 5% of the original loan amount

For remortgage only - fee assisted legals

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

 

 

 

 

 

2.99% 2 Year Fixed Rate 85% LTV

About
Fees
Apply
  • FIXED RATE of 2.99% up until 30/06/2023 then reverting to 3.50% until 30/09/2026 then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • 4.4% APRC
  • For purchase or remortgage up to 85% LTV

 15258, 72350

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
£800 £199 Based on property valuation Remortgage: FREE - £35 £500k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 30/06/2023
Overpayment of 50% or above - Early repayment charge is 3% of the overpayment
Redemption - Early repayment charge is 3% of the original loan amount

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

 

 

3.39% 2 Year Fixed Rate 90% LTV

About
Fees
Apply

 

  • FIXED RATE of 3.39% up until 30/06/2023 then reverting to 3.50% until 30/09/2026 then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • 4.5% APRC
  • For purchase or remortgage

This product is not available to applicants who are self-employed or on furlough, or to mortgage holders currently on a payment deferral with their existing lender. In addition, applicants who have taken a payment deferral on their existing mortgage or have been furloughed since 30 September 2020 are not eligible. Any applicants furloughed prior to this date must have now returned to work full time.

15265, 72357

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
£800 £199 £35 £500k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 5 years from date of completion
Overpayment of 50% or above - Early repayment charge is 3% of the overpayment
Redemption - Early repayment charge is 3% of the original loan amount

Remortgage only: fee assisted legals

 

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

 

 

3.59% 5 Year Fixed Rate 90% LTV

About
Fees
Apply

 

  • FIXED RATE of 3.59% until 5 years from date of completion then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • 4.6% APRC
  • For purchase or remortgage

This product is not available to applicants who are self-employed or on furlough, or to mortgage holders currently on a payment deferral with their existing lender. In addition, applicants who have taken a payment deferral on their existing mortgage or have been furloughed since 30 September 2020 are not eligible. Any applicants furloughed prior to this date must have now returned to work full time.

15255, 72347

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
£800 £199 £35 £500k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 5 years from date of completion
Overpayment of 50% or above - Early repayment charge is 5% of the overpayment
Redemption - Early repayment charge is 5% of the original loan amount

Remortgage only: fee assisted legals

 

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

 

 

2.45% 2 Year Discount Rate 80% LTV

About
Fees
Apply
  • STANDARD VARIABLE RATE of 5.24% with a discount of 2.79% until 2 years from completion, then reverting to 3.50% (Ipswich SVR minus 1.74%) for 36 months then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • 4.1% APRC
  • Available for purchase and remortgage up to 80% LTV

11131, 67181

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
£800 £199 Purchase: Based on property valuation Remortgage: FREE - £35 £750k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 2 years from date of completion
Overpayment of 50% or above - Early repayment charge is 1% of the overpayment
Redemption - Early repayment charge is 1% of the original loan amount

For remortgage only: fee assisted legals

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

2.60% 2 Year Discount Rate 85% LTV

About
Fees
Apply
  • STANDARD VARIABLE RATE of 5.24% with a discount of 2.64% until 2 years from completion, then reverting to 3.50% (Ipswich SVR minus 1.74%) for 36 months then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • 4.2% APRC
  • Available for purchase and remortgage up to 85% LTV

11132, 67182

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
£800 £199 Based on property valuation. Remortgage: FREE - £35 £500k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 2 years from completion
Overpayment of 50% or above - Early repayment charge is 1% of the overpayment
Redemption - Early repayment charge is 1% of the original loan amount

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

3.15% 2 Year Discount Rate 90% LTV

About
Fees
Apply
  • STANDARD VARIABLE RATE of 5.24% with a discount of 2.09% until 2 years from completion, then reverting to 3.50% (Ipswich SVR minus 1.74%) for 36 months then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • 4.3% APRC
  • Available for purchase and remortgage up to 90% LTV

This product is not available to applicants who are self-employed or on furlough, or to mortgage holders currently on a payment deferral with their existing lender. In addition, applicants who have taken a payment deferral on their existing mortgage or have been furloughed since 30 September 2020 are not eligible. Any applicants furloughed prior to this date must have now returned to work full time.

11138, 67188

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
£800 £199 £35 £500K

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 2 years from completion
Overpayment of 50% or above - Early repayment charge is 1% of the overpayment
Redemption - Early repayment charge is 1% of the original loan amount

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

Key features of our Residential Mortgage Products

  • Loans up to £750,000 and maximum 90% LTV
  • All deals feature fee free overpayments up to 50% of original loan amount
  • No maximum age limit
  • Employed, self employed, pension and investment income considered when assessing affordability
  • New build houses accepted
  • We can assess zero hour contract workers with 18 months' employment history
  • Loans available on capital and interest, interest only including sale of property (up to 50% LTV, min £150k equity) and part/part
  • We consider guarantor loans up to 80% LTV
  • We can lend up to 80% LTV on second homes and homes for dependents
  • Self employed applicants considered
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