Early Repayment Charges
There are no early repayment charges.

Representative Example
A mortgage of £56,275 payable over 25 years on a discounted variable rate of 2.34% for 25 years would require 300 monthly payments of £109.74. The total amount payable would be £89,740.88 made up of the loan amount plus interest (£32,920.88), an Application fee of £250, a Valuation fee of £260 and a Funds Transfer fee of £35.

The overall cost for comparison is 2.4% APRC representative^

RIO Guide
To found out more about Retirement Interest Only Mortgages, read our helpful guide HERE

Find out More or Apply
Call us on 01782 255000

Lines are open 9.00am to 1.00pm Monday to Friday

Early Repayment Charges
There are no early repayment charges.

Representative Example
A mortgage of £56,275 payable over 25 years on a discounted variable rate of 2.84% for 25 years would require 300 monthly payments of £133.18. The total amount payable would be £96,775.25 made up of the loan amount plus interest (£39,955.25), an Application fee of £250, a Valuation fee of £260 and a Funds Transfer fee of £35.

The overall cost for comparison is 2.9% APRC representative^

RIO Guide
To found out more about Retirement Interest Only Mortgages, read our helpful guide HERE

Find out More or Apply
Call us on 01782 255000

Lines are open 9.00am to 1.00pm Monday to Friday

Early Repayment Charges
There are no early repayment charges.

Product Specific Criteria
The property should be at a minimum of wall plate level for self-build for full structural overhaul including roofing and damp proof course in respect of a renovation.

Covered by an acceptable warranty provider (retrospective warranty is not acceptable – see self-build lending guide for details).

Certified by the warranty provider and sign off certificates for each stage should be submitted with the application.

Funds will be released in stages

Representative Example
A mortgage of £206,000 payable over 25 years initially on a discounted variable rate of 3.25% for 2 years and then on our Standard Variable Rate (SVR) of 4.79% (variable) for the remaining 23 years would require 24 monthly payments of £1,003.87and 276 monthly payments of £1,166,78. The total amount payable would be £348,093.13 made up of the loan amount plus interest (£140,125.13), an Application fee of £299, a Product fee of £1,199, a Funds transfer fee of £35 a Valuation Fee of £310 and a Mortgage Exit Fee of £125.

The overall cost for comparison is 4.6% APRC representative^

Find out More or Apply
Call us on 01782 255000

Lines are Open 9.00am to 1.00pm Monday to Friday

Early Repayment Charges
If this mortgage is repaid in full during the first 2 years an early repayment charge will apply. This will be 2% of the balance repaid during this period.

Example – The maximum early repayment charge you could pay is £4,120 based on £206,000.

Representative Example
A mortgage of £206,000 payable over 25 years on a discounted variable rate of 3.84% which represents a discount of 0.95%, for 2 years and then on our Standard Variable Rate 4.79% (variable) for the remaining 23 years would require 24 monthly payments of £1,069.23 and 276 monthly payments of £1,171.45. The total amount payable would be £350,377.17 made up of the loan amount plus interest (£142,878.17), an application fee of £299, a product fee of £700, a funds transfer fee of £35, a valuation fee of £340 and a mortgage exit fee of £125.

The overall cost for comparison is 4.7% APRC representative^

Find out More or Apply
Call us on 01782 255000

Lines are open 9.00am to 1.00pm Monday to Friday

Early Repayment Charges
If this mortgage is repaid in full during the first 2 years an early repayment charge will apply. This will be 2% of the balance repaid during this period.

Example – The maximum early repayment charge you could pay is £4,000 based on £200,000.

Representative Example
A mortgage of £200,000 payable over 25 years initially on a discounted variable rate of 4.24% for 2 years and then on our Standard Variable Rate 4.79% (variable) for the remaining 23 years would require 24 monthly payments of £1,082.36 and 276 monthly payments of £1,140.75. The total amount payable would be £342,193.02 made up of the loan amount plus interest (£140,824.02), an non-refundable application fee of £250, a product fee of £649, a funds transfer fee of £35, a valuation fee of £310 and a mortgage exit fee of £125.

The overall cost for comparison is 4.8% APRC representative^

Find out More or Apply
Call us on 01782 255000 selecting option 1 Hanley Intermediaries, option 1 New business enquiries

Lines are open 9.00am to 5.00pm Monday to Friday