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Introducing our lowest-ever residential mortgage rate

3.59% fixed for two years.

Request a call back

We’re here between 9am and 8pm Monday to Thursday, 9am to 7pm on Friday. If you contact us by 5pm we guarantee to get back to you the same day. If it’s after 5pm, we can’t promise we’ll be able to reply on the same day, but we’ll do our very best.


Your home may be repossessed if you do not keep up repayments on your mortgage.

Our new, lower rate is fixed for two years.

We’ve created it to reward those people who’ve been able to maintain a perfect (or almost perfect) credit record, but otherwise fall foul of the mainstream lenders’ rigid tickbox criteria.

Our common sense approach, on the other hand, means we can often lend when others won’t. We’ll look at your application on its merits, and if we can find a way to make it work, we will.

We’ll check you can afford your repayments but have no minimum income requirements, and we’ll consider most residential property types – including many that are inaccurately described as ‘unmortgageable’.

If one or more of the following apply to you, talk to us:
  • Your house, flat or maisonette is an ex-council property.
  • Your flat is more than six storeys up.
  • Your house is of ‘non-standard’ construction (e.g. concrete, steel-framed, etc.)
  • You’re retired, self-employed, contracting, or working several jobs.
  • You need us to take bonuses and overtime into account when looking at the sums.
  • You have benefits (e.g. tax credits) that top up your income.
  • A family member is gifting you a deposit, or they’re selling their property to you at a discount.
  • The property has poor remarks on valuation.
At a glance:
  • 3.59% fixed rate.
  • Fixed for 2 years.
  • Borrow up to 75% of the property’s value.
  • Maximum loan-to-value on remortgages is 70%*.
  • Borrow over 3 to 40 years.
  • Mortgages from £25,000 to £1m.
  • Overpay up to 5% each year without penalties.
  • Capital and interest-only repayment options.
  • Includes a free standard valuation.
  • £1,495 arrangement fee.
  • Early repayment charges apply (3% in year 1, 2% in year 2 of the outstanding balance).
  • Subject to affordability assessment.
Overall cost for comparison

For example: A mortgage of £100,000 payable over 18  years initially on a fixed rate for 2 years at 3.59% and then on a tracker rate for the remaining 16 years at 4.73% above the Bank of England Base Rate would require 24 monthly payments of £648.06 and 191 monthly payments of £727.90 plus a redemption administration fee of £150.00.

The total amount payable would be £155,460.24 made up of the loan amount plus interest on the loan (£50,794.61), broker fee (£1,500.00) and arrangement fee (£1,495.00) plus interest on these fees (£1,521.30) and the redemption administration fee (£150.00).

The overall cost for comparison is 5.4% APRC representative.

The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.

The mortgage arrangement fee is non-refundable.

*Your maximum loan-to-value ratio may be reduced based on property type and valuation.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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