Our 2 year fixed rate Non Standard Credit product is for borrowers who fit our non standard credit criteria up to 80% LTV for remortgages or home purchases.
6.39% fixed
8.79% variable
8.6% APRC
80% including fees
None
£999
Charges will apply to any lump sum or full redemption paid over 10% of the capital balance
2% up to 31/05/2025
1% up to 31/05/2026
A mortgage of £260,000 payable over 21 years initially on a fixed rate of 6.39% fixed until 31/05/2026, then reverting to our Standard Variable Rate, currently 8.79% for the remaining period would require 24 payments of £1,876.76 followed by 228 monthly payments of £2,235.88.
The total amount payable would be £556,434.16 made up of the loan amount plus interest (£294,822.16), valuation fee (£340), legal fees (£148), an exit fee (£100), a product fee (£999) and a funds transfer fee (£25).
The overall cost for comparison is 8.6% APRC representative.
Valuation fees and solicitor fees may be payable
Other charges may be made in respect of mortgage services
See our fees guide for more details
This product accepts our non standard credit criteria click here for details
Early Repayment Charges as detailed below are payable on any lump sum or full redemption repaid over 10% of the capital balance.
2% up to 31/05/2025
1% up to 31/05/2026
During the early repayment charge period lump sum overpayments up to 10% of the capital balance per annum may be made without attracting an early repayment charge. Should the total of lump sum overpayments exceed 10% within this period, the excess will attract an early repayment charge.
Once the early repayment charge period has ended overpayments can be made at any time.
If an overpayment of £500 or more is made, we will recalculate the monthly payment the following month.
You can check affordability through our calculator where we assess on affordability as an alternative to income multiples. Please note we will fully review bank statements and expenditure during the underwriting process. Click here to find out more
This mortgage is available on a capital repayment basis or up to 60% LTV on interest only with a suitable repayment vehicle. Payments must be made monthly by direct debit.
The minimum age is 18 for all applicants. There is no maximum age. Earned income considered up to age 75. Cases are considered on individual circumstances.
Minimum loan size £50,000.
Maximum loan size £500,000 up to 80% LTV
The maximum mortgage term is 40 years dependent on individual circumstances.
This product is portable, meaning that if the applicant moves home they can take it with them, subject to our lending criteria at the time.
Interest is calculated daily on the balance outstanding and added to the account the following month.
Our 2 year fixed rate Non Standard Credit product is for borrowers who fit our non standard credit criteria up to 80% LTV for remortgages or home purchases.
6.39% fixed
8.79% variable
8.6% APRC
80% including fees
None
£999
Charges will apply to any lump sum or full redemption paid over 10% of the capital balance
2% up to 31/05/2025
1% up to 31/05/2026
A mortgage of £260,000 payable over 21 years initially on a fixed rate of 6.39% fixed until 31/05/2026, then reverting to our Standard Variable Rate, currently 8.79% for the remaining period would require 24 payments of £1,876.76 followed by 228 monthly payments of £2,235.88.
The total amount payable would be £556,434.16 made up of the loan amount plus interest (£294,822.16), valuation fee (£340), legal fees (£148), an exit fee (£100), a product fee (£999) and a funds transfer fee (£25).
The overall cost for comparison is 8.6% APRC representative.
Valuation fees and solicitor fees may be payable
Other charges may be made in respect of mortgage services
See our fees guide for more details
This product accepts our non standard credit criteria click here for details
Early Repayment Charges as detailed below are payable on any lump sum or full redemption repaid over 10% of the capital balance.
2% up to 31/05/2025
1% up to 31/05/2026
During the early repayment charge period lump sum overpayments up to 10% of the capital balance per annum may be made without attracting an early repayment charge. Should the total of lump sum overpayments exceed 10% within this period, the excess will attract an early repayment charge.
Once the early repayment charge period has ended overpayments can be made at any time.
If an overpayment of £500 or more is made, we will recalculate the monthly payment the following month.
You can check affordability through our calculator where we assess on affordability as an alternative to income multiples. Please note we will fully review bank statements and expenditure during the underwriting process. Click here to find out more
This mortgage is available on a capital repayment basis or up to 60% LTV on interest only with a suitable repayment vehicle. Payments must be made monthly by direct debit.
The minimum age is 18 for all applicants. There is no maximum age. Earned income considered up to age 75. Cases are considered on individual circumstances.
Minimum loan size £50,000.
Maximum loan size £500,000 up to 80% LTV
The maximum mortgage term is 40 years dependent on individual circumstances.
This product is portable, meaning that if the applicant moves home they can take it with them, subject to our lending criteria at the time.
Interest is calculated daily on the balance outstanding and added to the account the following month.