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Product summary Product : 01726 KFAR2108

  • LTV 75%
  • Mortgage type Fixed
  • Term 5
  • Initial rate 3.74%
  • Product fee 0.5%
  • ERC

    Yes

    (see below)


County court judgments *

0 in the last 24 months.

* All CCJs and defaults must be paid prior to the application or must meet our ignore CCJ/default criteria

Defaults *

0 in the last 24 months.

* All CCJs and defaults must be paid prior to the application or must meet our ignore CCJ/default criteria

County court judgments and defaults ignored when one of the following applies

< £300 in total and satisfied > 12 months prior to the application. Registered > 24 months whether satisfied or not.

Missed mortgage/secured loan payments

0 in the last 12 months and currently up to date.

Unsecured arrears

2 in the last 12 months and currently up to date.

Maximum status

Currently up to date. Previous maximum status ignored.

Communication, utility & mail order

Performance ignored where the account balance is less than £500 (single or in aggregate).

Debt management plans

Satisfactorily conducted for minimum of 12 months.

IVA/DRO/bankruptcy

Not acceptable.

Repossessions

Not acceptable.

Repayment terms available?

Part interest-only and part capital terms available?

By exception only

Porting available?

Revert rate

BBR + 4.90%

Bank of England Base Rate (BBR): 0.10%

Minimum loan

£15,000

Maximum loan

£1,000,000

Early repayment charges

Year one: 5%

Year two: 4%

Year three: 3%

Year four: 3%

Year five: 3%

Term

Must not exceed the term of the existing mortgage

Product fee

0.5%

Application fee

£145

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