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Residential Mortgages


Due to the operational challenges created by the COVID-19 pandemic, we have temporarily restricted our lending criteria and withdrawn a number of products.

Visit the FAQs for up to date details.


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.

2.50% 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 remortgage up to 75% LTV

67139

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 31/06/2022 then reverting to 4.00% until 30/09/2025 then changing to Ipswich Standard Variable Rate (currently 5.74%)
  • 4.7% 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 remortgage up to 75% LTV

72296

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 30/06/2022
Overpayment of 50% or above - Early repayment charge is 3% of the overpayment
Redemption - Early repayment charge is 3% of the original loan amount

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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