**Monmouthshire: **
2 yr Discount Variable
Rate
**
0.99%
**

**For 24 months, then SVR for 23 years**
currently 4.99%
Set-up Fees:
**£2,366**

Monthly Payment
**£452 For 24 months
**
Then £679 for 23 years

MSE Total Cost **£6,600
**

for year 1
**
This product is available directly from Monmouthshire or via a broker How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£150

Product Fee:£1,999

Valuation fee:£192

Other Fees: £25

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£125, plus (2% in years 1-2)

OTHER PRODUCT INFO

Exit fee:£125

Maximum LTV80%

Minimum Loan£30,000

Maximum Loan£500,000

The total amount payable is £200,721 and the overall cost for comparison is

**4.5%** APRC.

What does this mean?

**Leeds Building Society: **
Larger Loan Fixed till 31-03-20 FTB
Rate
**
1.34%
**

**For 25 months, then SVR for 22 years and 11 months **
currently 5.69%
Set-up Fees:
**£2,234**

Monthly Payment
**£471 For 25 months
**
Then £719 for 22 years and 11 months

MSE Total Cost **£6,720
**

for year 1
**
This product is available directly from Leeds Building Society or via a broker How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£2,199

Valuation fee:£0

Other Fees: £35

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£199, plus (3% in year 1, 2% until 31-03-20) with a fee free allowance of 10%

OTHER PRODUCT INFO

Exit fee:£199

Maximum LTV80%

Minimum Loan£0

Maximum Loan£500,000

The total amount payable is £209,735 and the overall cost for comparison is

**4.9%** APRC.

What does this mean?

**Monmouthshire: **
2 yr Fixed
Rate
**
1.35%
**

**For 24 months, then SVR for 23 years**
currently 4.99%
Set-up Fees:
**£1,366**

Monthly Payment
**£471 For 24 months
**
Then £681 for 23 years

MSE Total Cost **£6,340
**

for year 1
**
This product is available directly from Monmouthshire or via a broker How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£150

Product Fee:£999

Valuation fee:£192

Other Fees: £25

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£125, plus (3% in years 1-2)

OTHER PRODUCT INFO

Exit fee:£125

Maximum LTV80%

Minimum Loan£30,000

Maximum Loan£500,000

The total amount payable is £200,808 and the overall cost for comparison is

**4.5%** APRC.

What does this mean?

**HSBC: **
DIRECT Premier + Adv Fixed till 31-05-20
Rate
**
1.39%
**

**For 27 months, then SVR for 22 years and 9 months **
currently 3.94%
Set-up Fees:
**£929**

Monthly Payment
**£474 For 27 months
**
Then £615 for 22 years and 9 months

MSE Total Cost **£6,100
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£800

Product Fee:£99

Valuation fee:£0

Other Fees: £30

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

2% until 31-05-19, 1% until 31-05-20

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV80%

Minimum Loan£10,000

Maximum Loan£1,000,000

The total amount payable is £181,538 and the overall cost for comparison is

**3.6%** APRC.

What does this mean?

**HSBC: **
DIRECT Premier + Adv Fixed till 31-05-20
Rate
**
1.39%
**

**For 27 months, then SVR for 22 years and 9 months **
currently 3.94%
Set-up Fees:
**£929**

Monthly Payment
**£474 For 27 months
**
Then £615 for 22 years and 9 months

MSE Total Cost **£6,100
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£800

Product Fee:£99

Valuation fee:£0

Other Fees: £30

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

2% until 31-05-19, 1% until 31-05-20

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV85%

Minimum Loan£10,000

Maximum Loan£400,000

The total amount payable is £181,538 and the overall cost for comparison is

**3.6%** APRC.

What does this mean?

**HSBC: **
DIRECT Standard Fixed till 31-05-20
Rate
**
1.39%
**

**For 27 months, then SVR for 22 years and 9 months **
currently 3.94%
Set-up Fees:
**£1,029**

Monthly Payment
**£474 For 27 months
**
Then £615 for 22 years and 9 months

MSE Total Cost **£6,140
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£900

Product Fee:£99

Valuation fee:£0

Other Fees: £30

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

2% until 31-05-19, 1% until 31-05-20

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV80%

Minimum Loan£10,000

Maximum Loan£1,000,000

The total amount payable is £181,638 and the overall cost for comparison is

**3.6%** APRC.

What does this mean?

**HSBC: **
DIRECT Standard Fixed till 31-05-20
Rate
**
1.39%
**

**For 27 months, then SVR for 22 years and 9 months **
currently 3.94%
Set-up Fees:
**£1,029**

Monthly Payment
**£474 For 27 months
**
Then £615 for 22 years and 9 months

MSE Total Cost **£6,140
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£900

Product Fee:£99

Valuation fee:£0

Other Fees: £30

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

2% until 31-05-19, 1% until 31-05-20

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV85%

Minimum Loan£10,000

Maximum Loan£400,000

The total amount payable is £181,638 and the overall cost for comparison is

**3.6%** APRC.

What does this mean?

**HSBC: **
DIRECT Premier + Adv 2 yr Tracker
Rate
**
1.39%
**

**For 24 months, then SVR for 23 years**
currently 3.94%
Set-up Fees:
**£929**

Monthly Payment
**£474 For 24 months
**
Then £616 for 23 years

MSE Total Cost **£6,150
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£800

Product Fee:£99

Valuation fee:£0

Other Fees: £30

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

Not Applicable

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV80%

Minimum Loan£10,000

Maximum Loan£1,000,000

The total amount payable is £182,392 and the overall cost for comparison is

**3.6%** APRC.

What does this mean?

**HSBC: **
DIRECT Premier + Adv 2 yr Tracker
Rate
**
1.39%
**

**For 24 months, then SVR for 23 years**
currently 3.94%
Set-up Fees:
**£929**

Monthly Payment
**£474 For 24 months
**
Then £616 for 23 years

MSE Total Cost **£6,150
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£800

Product Fee:£99

Valuation fee:£0

Other Fees: £30

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

Not Applicable

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV85%

Minimum Loan£10,000

Maximum Loan£400,000

The total amount payable is £182,392 and the overall cost for comparison is

**3.6%** APRC.

What does this mean?

**Digital Mortgages by Atom Bank: **
Fixed till 31-05-20
Rate
**
1.39%
**

**For 27 months, then SVR for 22 years and 9 months **
currently 3.75%
Set-up Fees:
**£1,095**

Monthly Payment
**£474 For 27 months
**
Then £603 for 22 years and 9 months

MSE Total Cost **£6,170
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£900

Valuation fee:£185

Other Fees: £10

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

3% until 31-05-19, 2% until 31-05-20

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV85%

Minimum Loan£25,000

Maximum Loan£600,000

The total amount payable is £178,627 and the overall cost for comparison is

**3.4%** APRC.

What does this mean?

##### And remember, as the old phrase goes... Your home may be repossessed if you do not keep up repayments on your mortgage.

The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

Calculations are rounded to the nearest £10

Mortgage data is provided by MortgageBrain, which primarily provide data and technology solutions to mortgage brokers.