Residential fixed rate - 5 years Capital and Interest - Fee Offer CI1456

For loans up to 95% of property value

Product name	Residential fixed rate - 5 years Capital and Interest - Fee Offer CI1456
Initial rate	5.04%
Initial rate expires on	31st January 2030
Rate thereafter	Standard Variable Rate, currently 8.99%
Overall cost for comparison	7.50% APRC
Product fee	£0
Legal and Valuation Fees	Purchases: Free Valuation for new customers 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	£600,000
Maximum loan to value	95%
Minimum loan amount	£80,000
Early repayment charge	5% in years one and two 4% in year three 3% in year four 2% in year five
Special offers	Purchase: One free valuation for properties up to £3m Remortgage: One free valuation for properties up to £3m Free standard legals (excluding any fee charged by our preferred legal provider for transferring funds to the previous lender) for properties up to £2m
Overpayment permitted	Yes, up to 10% of outstanding loan each year without penalty. After the fixed period you can make over payments without any restrictions.
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