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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.

LOCAL EXCLUSIVE 2.73% 2 Year Discount Rate 95% LTV

About
Fees
Apply
  • VARIABLE RATE of 5.74% with a discount of 3.01% for 2 years then reverting to 4.00% for 36 months then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 4.5% APRC
  • For purchases up to 95% LTV
  • Gifted deposits accepted up to 95% LTV (subject to satisfactory rental history)
  • Available for direct applicants in England and Wales
  • For our Intermediary partners, products are available to Prestige members, selected partners nationally and all intermediaries based in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire, Hertfordshire and Buckinghamshire
  • To establish if you/your network is a selected partner, please contact our Business Development Team on 0330 123 1073

LOCAL EXCLUSIVE PRODUCT
This product is only available where the property is located in our heartland area - Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire, Hertfordshire and Buckinghamshire

11101, 11102

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
FREE FREE Based on property valuation - £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.

LOCAL EXCLUSIVE 2.93% 2 Year Fixed Rate 95% LTV

About
Fees
Apply
  • FIXED RATE of 2.93% until 31/03/2022 then reverting to 4.00% until 30/06/2025 then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 4.7% APRC
  • For purchases up to 95% LTV
  • Gifted deposits accepted up to 95% LTV (subject to satisfactory rental history)
  • Available for direct applicants in England and Wales
  • For our Intermediary partners, products are available to Prestige members, selected partners nationally and all intermediaries based in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire, Hertfordshire and Buckinghamshire
  • To establish if you/your network is a selected partner, please contact our Business Development Team on 0330 123 1073

LOCAL EXCLUSIVE PRODUCT
This product is only available where the property is located in our heartland area - Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire, Hertfordshire and Buckinghamshire

15205, 15206

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 FREE Based on property valuation - £35 £500k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 31/03/2022
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.

Representative example (this information is based on a typical application and not to your individual circumstances. It does not contain all of the details you need to choose a mortgage)

A mortgage of £189,000.00 payable over 25 years initially on a fixed rate until 31/12/2021 at 2.93%, and then on our Standard Variable Rate currently at 5.74% for the remainder of the mortgage term would require 27 monthly payments of £889.39 followed by 273 monthly payments of £1,163.19. The total amount payable would be £342,654.40 made up of the loan amount plus interest (£152,564.40), a completion fee of £800, a valuation fee of £160, a mortgage funds release fee of £35 and a mortgage exit fee of £95.

The overall cost for comparison is 5.3% APRC representative.

[This representative example is based on assumptions that the loan would start from 20 September 2019]

 

 

 

2.95% 2 Year Discount Rate 95% LTV

About
Fees
Apply
  • VARIABLE RATE currently 5.74% with a discount of 2.79% until 2 years from completion date, then reverting to 4.00% for 36 months then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 4.6% APRC
  • Available for direct applicants in England and Wales
  • For our Intermediary partners, products are available to Prestige members, selected partners nationally and all intermediaries based in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire, Hertfordshire and Buckinghamshire.
  • Product is available for those borrowing in excess of 90% LTV and where the deposit is being gifted from a close family member  

Standard: 11099, 67143, 67144 Gifted deposit: 11100

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
FREE £199 Purchase: based on property valuation. Remortgage: FREE (up to max property value £1m) - £35 £500k
  • 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.

3.20% 2 Year Fixed Rate 95% LTV

About
Fees
Apply
  • FIXED RATE of 3.20% up until 31/03/2022 then reverting to 4.00% until 30/06/2025 then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 4.8% APRC
  • For purchase or remortgage
  • Available for direct applicants in England and Wales
  • For our Intermediary partners, products are available to Prestige members, selected partners nationally and all intermediaries based in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire, Hertfordshire and Buckinghamshire
  • To establish if you/your network is a selected partner, please contact our Business Development Team on 0330 123 1073

Standard: 15193, 72277 Gifted deposit: 15194

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 - £35 £500k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 31/03/2022
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.

 

 

2.74% 2 Year Discount Rate 90% LTV

About
Fees
Apply
  • VARIABLE RATE currently 5.74% with a discount of 3.00% until 2 years from completion date, then reverting to 4.00% for 36 months then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 4.6% APRC
  • Available for direct applicants in England and Wales
  • For our Intermediary partners, products are available to Prestige members, selected partners nationally and all intermediaries based in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire, Hertfordshire and Buckinghamshire
  • To establish if you/your network is a selected partner, please contact our Intermediary Sales Team on 0330 123 1073.

11098, 67141, 67142

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 (up to a maximum property value of £1m) - £35 £500k
  • 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.

2.99% 2 Year Fixed Rate 90% LTV

About
Fees
Apply
  • FIXED RATE of 2.99% up until 31/03/2022 then reverting to 4.00% until 30/06/2025 then then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 4.8% APRC
  • Available for direct applicants in England and Wales
  • For our Intermediary partners, products are available to Prestige members, selected partners nationally and all intermediaries based in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire, Hertfordshire and Buckinghamshire
  • To establish if you/your network is a selected partner, please contact our Business Development Team on 0330 123 1073

15192, 72275, 72276

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 up to max property value of £1m. - £35 £500k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 31/03/2022
Overpayment of 50% or above - Early repayment charge is 3% of the overpayment
Redemption - Early repayment charge is 3% 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.

 

 

 

 

 

2.50% 2 Year Discount Rate 75% LTV

About
Fees
Apply
  • VARIABLE RATE of 5.74% with a discount of 3.24% until 2 years from completion, then reverting to 4.00% for 36 months then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 4.5% APRC
  • Available to direct applicants in England and Wales, intermediaries in our heartland area and selected intermediary partners
  • Available for purchase and remortgage up to 75% LTV

11097, 67139, 67140

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 (up to max property value £1m) - £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.

2.75% 2 Year Fixed Rate 75% LTV

About
Fees
Apply
  • FIXED RATE of 2.75% until 31/03/2022 then reverting to 4.00% until 30/06/2025 then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 4.8% APRC
  • Available to direct applicants in England and Wales
  • For our Intermediary partners, products are available to Prestige members, selected partners nationally and all intermediaries based in Suffolk, Norfolk, Essex, Cambridgeshire, Bedfordshire, Hertfordshire and Buckinghamshire
  • Available for purchase and remortgage up to 75% LTV

15191, 72273, 72274

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 (up to max property value £1m) - £35 £750k

No charge for overpayments of up to 50% of original loan amount
Early repayment charge period ends 31/03/2021
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.

 

 

 

Key features of our Residential Mortgage Products

  • Loans up to £750,000 and maximum 95% 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'll lend for debt consolidation up to 90% LTV
  • We can lend up to 80% LTV on second homes and homes for dependents (not holiday lets)
  • Self employed applicants considered (separate products available for less than two years' history)
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