Interest Rates & Charges

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Mortgages

Offset Tracker Mortgages

These flexible offset mortgages 'track' the Bank of England base rate for a set period. They go up or down, depending on changes in the Bank's base rate.

For all remortgages, we will pay our own legal fees

Product
name		 Max loan to value Initial rate     Then changing for
the remainder of
the term to		 The overall
cost for
comparison is
Remortgage Offset tracker 60 until 1 September 2012 (B.o.E + 1.29%) 60%
LTV		 6.29% currently
Tracks 1.29% above the BoE's base rate until 01.09.12		 7.00% currently
(our offset variable mortgage rate)		 7.1 % APR
Arrangement fee: £999  |   Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 1 million until 1 September 2012 (B.o.E + 1.54%) 60%
LTV		 6.54% currently
Tracks 1.54% above the BoE's base rate until 01.09.12		 7.00% currently
(our offset variable mortgage rate)		 7.1 % APR
Arrangement fee: £8000  |   Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 500 until 1 September 2012 (B.o.E + 1.49%) 60%
LTV		 6.49% currently
Tracks 1.49% above the BoE's base rate until 01.09.12		 7.00% currently
(our offset variable mortgage rate)		 7.2 % APR
Arrangement fee: £5000  |   Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Product
name		 Max loan to value Initial rate     Then changing for
the remainder of
the term to		 The overall
cost for
comparison is
Remortgage Offset tracker 60 until 1 September 2013 (B.o.E + 1.29%) 60%
LTV		 6.29% currently
Tracks 1.29% above the BoE's base rate until 01.09.13		 7.00% currently
(our offset variable mortgage rate)		 7.1 % APR
Arrangement fee: £999  |   Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12, 2.00% until 01.09.13 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 2 million until 1 September 2012 (B.o.E + 1.79%) 75%
LTV		 6.79% currently
Tracks 1.79% above the BoE's base rate until 01.09.12		 7.00% currently
(our offset variable mortgage rate)		 7.2 % APR
Arrangement fee: £12000  |   Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 75 until 1 September 2013 (B.o.E + 1.49%) 75%
LTV		 6.49% currently
Tracks 1.49% above the BoE's base rate until 01.09.13		 7.00% currently
(our offset variable mortgage rate)		 7.2 % APR
Arrangement fee: £999  |   Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12, 2.00% until 01.09.13 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Product
name		 Max loan to value Initial rate     Then changing for
the remainder of
the term to		 The overall
cost for
comparison is
Remortgage Offset tracker 75 until 1 September 2012 (B.o.E + 1.39%) 75%
LTV		 6.39% currently
Tracks 1.39% above the BoE's base rate until 01.09.12		 7.00% currently
(our offset variable mortgage rate)		 7.2 % APR
Arrangement fee: £999  |   Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 75 until 1 September 2011 (B.o.E + 1.69%) 75%
LTV		 6.69% currently
Tracks 1.69% above the BoE's base rate until 01.09.11		 7.00% currently
(our offset variable mortgage rate)		 7.3 % APR
Arrangement fee: £999  |   Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 1 million until 1 September 2012 (B.o.E + 1.74%) 80%
LTV		 6.74% currently
Tracks 1.74% above the BoE's base rate until 01.09.12		 7.00% currently
(our offset variable mortgage rate)		 7.2 % APR
Arrangement fee: £8000  |   Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Product
name		 Max loan to value Initial rate     Then changing for
the remainder of
the term to		 The overall
cost for
comparison is
Remortgage Offset tracker 85 until 1 September 2011 (B.o.E + 1.89%) 85%
LTV		 6.89% currently
Tracks 1.89% above the BoE's base rate until 01.09.11		 7.00% currently
(our offset variable mortgage rate)		 7.4 % APR
Arrangement fee: £1499  |   Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 500 until 1 September 2012 (B.o.E + 1.69%) 85%
LTV		 6.69% currently
Tracks 1.69% above the BoE's base rate until 01.09.12		 7.00% currently
(our offset variable mortgage rate)		 7.2 % APR
Arrangement fee: £5000  |   Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 85 until 1 September 2012 (B.o.E + 1.69%) 85%
LTV		 6.69% currently
Tracks 1.69% above the BoE's base rate until 01.09.12		 7.00% currently
(our offset variable mortgage rate)		 7.3 % APR
Arrangement fee: £1499  |   Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Product
name		 Max loan to value Initial rate     Then changing for
the remainder of
the term to		 The overall
cost for
comparison is
Remortgage Offset tracker 85 until 1 September 2013 (B.o.E + 1.69%) 85%
LTV		 6.69% currently
Tracks 1.69% above the BoE's base rate until 01.09.13		 7.00% currently
(our offset variable mortgage rate)		 7.3 % APR
Arrangement fee: £1499  |   Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12, 2.00% until 01.09.13 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Offset Fixed Rate Mortgage

With our fixed rate mortgage, you have the assurance of knowing your interest rate will stay the same for a set period.

Product
name		 Max loan to value Initial rate     Then changing for
the remainder of
the term to		 The overall
cost for
comparison is
Remortgage Offset fixed 85 until 1 September 2012 85%
LTV		 7.19%
fixed until 01.09.12		 7.00% currently
(our offset variable mortgage rate)		 7.4 % APR
Arrangement fee: £999  |   Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Offset fixed mortgages are only available on loans between £100,000 and £500,000

Your home may be repossessed if you do not keep up repayments on your mortgage.

Fixed Rate Mortgages

With our fixed rate mortgages, your interest rate stays the same for a fixed period.

There are no products that match your selection. Please modify your selection.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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Mortgage Fees and Charges

Item Charge
Full copy of title documents lodged with us £40.00
Single copy document lodged with us £40.00
Title information £40.00
Forwarding your title deeds to a conveyancer £40.00
Release from the mortgage of part of the property £75.00
Grant of easement or servitude (for example, a right of way) £75.00
Enquiries (including requests for answers to questionnaires, references and consent) from lenders granting other mortgage loans £40.00
Valuation fee (adding/removing a borrower from the mortgage) £70.00
Further advance fee £160.00
CHAPS (same day electronic funds transfer between banks) £25.00
Non payment of ground rent £75.00
Copy of mortgage statement £15.00
If a cheque is returned unpaid £25.00
Failed payments (direct debits, standing orders) £25.00
Each letter or telephone call to you concerning a missed payment £10.00
Where it becomes necessary to instruct solicitors to collect missed payments £115.00
Consenting to the transfer of mortgaged property £160.00
Mortgage discharge fee (only payable if mortgage is repaid early)#  

# If we charge a mortgage discharge fee, we will tell you the amount of the fee and whether it is variable in your most recently accepted mortgage offer or mortgage product transfer offer. The amount of the fee, if applicable, will also be shown in your annual mortgage statement and in any amount owing statement we issue. We will also tell you the amount of the fee at any time you ask us to.

In addition, you will be required to pay any costs we pay to third parties that we may instruct to recover any money you owe us to create or protect our security, or in using our legal rights. Examples of costs we pay include external counselling agency fees and solicitors' charges. We will advise you before we instructed a third party.

Valuation Fees

The table below lists the current fees for a standard valuation (level 1 mortgage valuation) and a homebuyer's report based on a range of property values up to £5 million. The valuation fee will be collected by our valuer, Colleys, before the valuation inspection takes place. Colleys will contact you direct and collect the fee by debit or credit card. For remortgages, depending on your choice of mortgage, we will refund an amount equal to the standard valuation fee once the mortgage has started.

Purchase price/ estimated valuation Standard valuation Homebuyer's report Revaluation Fees
Up to £50,000 £240.00 £460.00 £108
£100,000 £280.00 £460.00 £108
£150,000 £315.00 £490.00 £108
£200,000 £355.00 £540.00 £128
£300,000 £430.00 £660.00 £165
£400,000 £500.00 £790.00 £200
£500,000 £565.00 £930.00 £233
£600,000 £620.00 £1,070.00 £260
£700,000 £680.00 £1,210.00 £290
£800,000 £735.00 £1,350.00 £318
£900,000 £790.00 £1,490.00 £345
£1 Million £845.00 £1,630.00 £373
£1.2 million £960.00 £1830.00 £430
£1.4 million £1,070.00 £2,030.00 £485
£1.6 million £1,185.00 £2,215.00 £543
£1.8 million £1,295.00 £2,430.00 £598
£2 million £1,410.00 £2,630.00 £655
£2.2 million £1,521.00 £2,830.00 £710
£2.4 million £1,635.00 £3,030.00 £768
£2.6 million £1,745.00 £3,230.00 £823
£2.8 million £1,860.00 £3,430.00 £880
£3 million £1,970.00 £3,630.00 £935
£3.2 million £2,085.00 £3,830.00 £993
£3.4 million £2,195.00 £4,030.00 £1048
£3.6 million £2,310.00 £4,230.00 £1105
£3.8 million £2,420.00 £4,430.00 £1160
£4 million £2,535.00 £4,630.00 £1218
£4.2 million £2,645.00 £4,830.00 £1273
£4.4 million £2,760.00 £5,030.00 £1330
£4.6 million £2,870.00 £5,230.00 £1385
£4.8 million £2,985.00 £5,430.00 £1443
£5 million £3,095.00 £5,630.00 £1498

All fees for a standard valuation and a homebuyer's report include an administration charge of £100.
The fees for purchase price/estimated valuation above £5 million are negotiable.

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