2 Year Fixed up to 60% LTV Capital and Interest BO1651

For loans up to 60% of property value

Product name	2 Year Fixed up to 60% LTV Capital and Interest BO1651
Initial rate	4.59%
Initial rate expires on	31st January 2027
Rate thereafter	Offset variable Investment Housing Loan Rate, currently 9.49%
Overall cost for comparison	8.90% APRC
Product fee	£1999
Option to add product fees to mortgage	The product fee can be added to the loan, unless it takes a residential loan over 95% LTV or a BTL loan over 80% LTV.
Legal and Valuation Fees	Purchases: No Incentives Re-mortgages: Free valuation and free legal fees (if using bank's own solicitors)
Eligibility	Applicants must be aged 18 or over. All loans are subject to status. Security will be required. This product is only available for remortgages
Maximum loan amount	£1,000,000
Maximum loan to value	60%
Minimum loan amount	£80,000
Early repayment charge	3% in year one 2% in year two
Special offers	Re-mortgages: Free valuation and free legal fees (if using bank's own solicitors)
Overpayment permitted	Yes, up to 10% of outstanding loan each year without penalty
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