ibs logo

Give us a call on 0330 123 1073

Monday - Friday 9.00am - 5.00pm

0330 123 1073

Mon - Thu 9am - 5pm
Fri 9am - 5pm
Sat 9am - 1pm

Residential Mortgages


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.

Capital and Interest

2.80% 2 Year Fixed Rate 80% LTV

About
Fees
Apply
  • FIXED RATE of 2.80% until 30/11/2023 then reverting to 3.50% (Ipswich SVR minus 1.74%) until 28/02/2027
  • 4.3% APRC
  • Available for purchase and remortgage only up to 80% LTV

15276, 72368

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
£999 £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 30/11/2023
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.

 

 

 

3.15% 5 Year Fixed Rate 80% LTV

About
Fees
Apply
  • FIXED RATE of 3.15% 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

15277, 72369

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
£999 £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.

 

 

 

 

 

3.15% 2 Year Fixed Rate 90% LTV

About
Fees
Apply

 

  • FIXED RATE of 3.15% up until 30/11/2023 then reverting to 3.50% (Ipswich SVR minus 1.74%) until 28/02/2027 then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • 4.4% APRC
  • For purchase or remortgage

Applicants who have taken a payment deferral on their existing mortgage or have been furloughed since 1st January 2021 are not eligible. Any applicants furloughed prior to this date must have now returned to work full time.

15278, 72370

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
£999 £199 Purchase: 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 30/11/2023
Overpayment of 50% or above - Early repayment charge is 3% of the overpayment
Redemption - Early repayment charge is 3% of the original loan amount

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.

 

 

3.25% 3 Year Fixed Rate 90% LTV

About
Fees
Apply

 

  • FIXED RATE of 3.25% until 30/11/2024 then reverting to 3.50% (Ipswich SVR minus 1.74%) until 28/02/2027 then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • 4.4% APRC
  • For purchase or remortgage

Applicants who have taken a payment deferral on their existing mortgage or have been furloughed since 1st January 2021 are not eligible. Any applicants furloughed prior to this date must have now returned to work full time.

15279, 72371

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
£999 £199 Purchase: 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 30/11/2024
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.

 

 

3.59% 5 Year Fixed Rate 90% LTV

About
Fees
Apply

 

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

Applicants who have taken a payment deferral on their existing mortgage or have been furloughed since 1st January 2021 are not eligible. Any applicants furloughed prior to this date must have now returned to work full time.

15280, 72371

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
£999 £199 £35 £500K

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 30/11/2023
Overpayment of 50% or above - Early repayment charge is 3% of the overpayment
Redemption - Early repayment charge is 5% 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.

 

 

2.50% 2 Year Discount Rate 80% LTV

About
Fees
Apply
  • STANDARD VARIABLE RATE of 5.24% with a discount of 2.74% 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 80% LTV

11147, 67197

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
£999 £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.

3.05% 2 Year Discount Rate 90% LTV

About
Fees
Apply
  • STANDARD VARIABLE RATE of 5.24% with a discount of 2.19% 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

Applicants who have taken a payment deferral on their existing mortgage or have been furloughed since 1st January 2021 are not eligible. Any applicants furloughed prior to this date must have now returned to work full time.

11148, 67198

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
£999 £199 Purchase: 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.


Interest Only

2.80% 2 Year Discount Rate 80% LTV Interest Only

About
Fees
Apply
  • STANDARD VARIABLE RATE of 5.24% with a discount of 2.44% 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%)
  • 4.7% APRC
  • Available for purchase and remortgage up to 80% LTV

11149, 67199

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
£999 £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 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.

3.10% 2 Year Fixed Rate 80% LTV Interest Only

About
Fees
Apply
  • FIXED RATE of 3.10% until 30/11/2023 then reverting to 3.50% (Ipswich SVR minus 1.74%) until 28/02/2027 then changing to Ipswich Standard Variable Rate (currently 5.24%)
  • 4.7% APRC
  • For purchase or remortgage

15281, 72373

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
£999 £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 30/11/2023
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.

 

 

Key features of our Residential Mortgage Products

  • Loans up to £750,000 and maximum 90% LTV
  • No maximium age limit for repayment. Maximum age of 95 at end of term for interest only applications
  • Maximum 75% LTV for lending into retirement
  • Maximum 70% LTV for lending in retirement (if any element is interest only maximum 50% LTV)
  • All deals feature fee free overpayments up to 50% of original loan amount
  • Employed, self employed, pension and investment income considered when assessing affordability
  • New build houses accepted
  • Loans available on capital and interest, interest only including sale of property (up to 50% LTV, min £150k equity) and part/part
  • We can lend up to 80% LTV on second homes and homes for dependents
  • Self employed applicants considered
X

Menu