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Mortgage product
information.

Residential 5 Year Fixed Rate (Capital & Interest) – for purchase or remortgage up to 95% LTV

Mortgage details

Initial rate

5.35%

Rate Type

Fixed

Rate Term

5 year

APRC

7.6%

Standard rate

FIXED RATE of 5.35% until 5 years from completion date then changing to Suffolk Standard Variable Rate (currently 8.69%) for the remainder of the term

Fees

Application Fee:
£199

Completion Fee:
£999

Valuation Fee:
Purchase – Based on property valuation
Remortgage – Based on property valuation

CHAPS (Fee for transfer of funds to solicitor):
£35

You can see how our fees are calculated by clicking here

Maximum loan

£500,000

Maximum LTV

95%

Additional information

Fee free over-payments up to 50% of original loan. Early repayment charge of 5% applies until 5 years from completion

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Representative example

A mortgage of £136,885.00 payable over 27 years on initially on a fixed rate until 5 years from completion date at 5.35%, then our Standard Variable Rate currently at 8.69% for the remainder of the mortgage term. This would require 60 monthly payments of £805.48, followed by 264 payments of £1,062.04. The total amount payable would be £329,126.36 made up of the loan amount plus interest (£190,788.36), an application fee of £199, a completion fee of £999, a valuation fee of £125, a mortgage funds release fee of £35 and a mortgage exit fee of £95. The overall cost for comparison is 7.6% APRC representative.

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