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Residential large loans now with lower rates across 2 and 5 year fixed

Our limited edition residential large loan range now includes rates from 3.19%, plus loans up to £3m at 90% LTV on purchases and day-one remortgages.

    • 2-year fixed from 3.19%
    • 5-year fixed from 3.29%
    • Loans up to £3m at 90% LTV
    • Available for purchases and remortgages from day one
MSV LTV Mortgage type Term Initial rate Product fee ERC Product code
N/A 75% Fixed 2 3.19% 0.5%

Yes

01745 KRES2111
N/A 75% Fixed 5 3.29% 0.5%

Yes

01746 KRES2111
N/A 80% Fixed 2 3.34% 0.5%

Yes

01747 KRES2111
N/A 80% Fixed 5 3.54% 0.5%

Yes

01748 KRES2111
N/A 85% Fixed 2 3.74% 0.5%

Yes

01749 KRES2111
N/A 85% Fixed 5 3.99% 0.5%

Yes

01750 KRES2111
N/A 90% Fixed 2 3.99% 0.5%

Yes

01751 KRES2111
N/A 90% Fixed 5 4.29% 0.5%

Yes

01752 KRES2111
MSV LTV Type Rate Term Product fee ERC Product code
N/A 75% Fixed 3.19% 2 0.5%

Yes

01745 KRES2111
N/A 75% Fixed 3.29% 5 0.5%

Yes

01746 KRES2111
N/A 80% Fixed 3.34% 2 0.5%

Yes

01747 KRES2111
N/A 80% Fixed 3.54% 5 0.5%

Yes

01748 KRES2111
N/A 85% Fixed 3.74% 2 0.5%

Yes

01749 KRES2111
N/A 85% Fixed 3.99% 5 0.5%

Yes

01750 KRES2111
N/A 90% Fixed 3.99% 2 0.5%

Yes

01751 KRES2111
N/A 90% Fixed 4.29% 5 0.5%

Yes

01752 KRES2111

Minimum loan size £50,000 unless stated above. When the LTV exceeds 75% a minimum loan size of £100,000 is applicable.

Asset backed interest only available up to 85% LTV.

 

Acceptable credit criteria

* Must be satisfied prior to mortgage application. Ignore if: <£300 in total and satisfied

Residential products now revert to Bank of England Base Rate (BBR) trackers

On expiry of the fixed rate product, the mortgage will revert to a rate of interest which will be at a variable rate above the Bank of England Base Rate (“BBR”) for the remainder of the loan. The rate will move up and down in line with BBR but if BBR falls below 0.00% the rate the customer is charged won’t change. Please refer to individual products for details on the rates applicable.

 

Important note regarding valuations

A physical valuation will be sourced from Connells via the standard process.

Connells has issued prescriptive guidance to follow around inspection protocols, which you can find here.

If this guidance isn't adhered to (e.g., the property is occupied or doors have been left closed), the surveyor may not go ahead with the valuation but will still charge the valuation fee for the on-site visit.

  • Product and services featured above are Regulated by the Financial Conduct Authority and the Prudential regulation Authority.

Terms and Conditions

At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor.

This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

All mortgage products are subject to availability of funds and can be withdrawn at any time.

For interest only or part repayment/part interest only, it's your client's responsibility to ensure they have sufficient funds available at the end of the term with which to repay the loan.

All loans are subject to availability, status, valuation and approval, and are available in England and Wales only. Applicants must be aged 18 or over. Maximum age at the end of the mortgage term is 85. Written quotations are available on request.

OneSavings Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registered number 530504) for general insurance intermediation and regulated mortgages.

YOUR CLIENT'S HOME MAY BE REPOSSESSED IF THEY DO NOT KEEP UP REPAYMENTS ON THEIR MORTGAGE

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