Bank Base Rate Tracker + 1.30% for Term

Bank Base Rate Tracker + 1.30% for Term

Initial Pay Rate


Loan to Value






Product Code



Early Replayment Charge:


Things you need to know

Repayment Basis

Capital & Interest or Interest Only (Applicants must meet the Society’s Interest Only Criteria).


No Application or Arrangement fee.

A valuation fee is payable. See fee scale for cost

Minimum Interest Rate

The interest rate on this product will not drop below 2.00%.



Loan Size

Minimum Loan: £30,000 Maximum Loan: £500,000.

Maximum Loan to Value

Purchase 75%.
Remortgage 75%.


There are no restrictions in overpayments which can be made by monthly standing order.

Property Location

Available for properties located in England & Wales.

Bank of England Base Rate

In the event of a change in the Bank of England base rate. The interest rate will reflect the change from the 1st day of the following month

Procuration Fee

The Society will pay a proc fee of 0.40% on completion to the intermediary.


This product is available for new mortgage customers only.

Early Repayment Charges

No Early Repayment Charges apply.

Representative Example

A mortgage of £124,217.00 payable over 25 years on a Bank of England Base Rate Tracker plus 1.30% would require 300 monthly payments of £842.61.

The total amount payable would be £253,282.15 made up of the loan amount plus interest (£128,565.15), a valuation fee of £340.00, a funds transfer fee of £35.00 and a mortgage exit fee of £125.00.

The overall cost for comparison is 6.6% APRC representative.

Find out More or Apply

Call us on 01782 255000 (selecting option 1 – Hanley Intermediaries then option 1 – New business enquiries).

Lines are Open 9.00am to 5.00pm Monday to Friday (Wednesday 9.30am to 5.00pm).

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