**Monmouthshire: **
2 yr Discount Variable
Rate
**
1.24%
**

**For 24 months, then SVR for 23 years**
currently 5.24%
Set-up Fees:
**£2,366**

Monthly Payment
**£465 For 24 months
**
Then £697 for 23 years

MSE Total Cost **£6,770
**

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 £205,893 and the overall cost for comparison is

**4.8%** APRC.

What does this mean?

**Monmouthshire: **
2 yr Discount Variable
Rate
**
1.24%
**

**For 24 months, then SVR for 23 years**
currently 5.24%
Set-up Fees:
**£2,366**

Monthly Payment
**£465 For 24 months
**
Then £697 for 23 years

MSE Total Cost **£6,770
**

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 £205,893 and the overall cost for comparison is

**4.8%** APRC.

What does this mean?

**Darlington: **
Discount Variable till 28-02-21
Rate
**
1.59%
**

**For 28 months, then SVR for 22 years and 8 months **
currently 5.95%
Set-up Fees:
**£1,119**

Monthly Payment
**£485 For 28 months
**
Then £741 for 22 years and 8 months

MSE Total Cost **£6,300
**

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

Application Fee:£120

Product Fee:£999

Valuation fee:£0

Other Fees: £0

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£90, plus (1% until 28-02-21)

OTHER PRODUCT INFO

Exit fee:£90

Maximum LTV80%

Minimum Loan£25,000

Maximum Loan£750,000

The total amount payable is £216,443 and the overall cost for comparison is

**5.2%** APRC.

What does this mean?

**Leeds Building Society: **
2 Year Fixed 31/12/2020 FTB
Rate
**
1.62%
**

**For 26 months, then SVR for 22 years and 10 months **
currently 5.69%
Set-up Fees:
**£2,034**

Monthly Payment
**£486 For 26 months
**
Then £719 for 22 years and 10 months

MSE Total Cost **£6,780
**

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:£1,999

Valuation fee:£0

Other Fees: £35

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£199, plus (3% in year 1, 2% until 31-12-20) with a fee free allowance of 10%

OTHER PRODUCT INFO

Exit fee:£199

Maximum LTV80%

Minimum Loan£0

Maximum Loan£750,000

The total amount payable is £209,958 and the overall cost for comparison is

**4.9%** APRC.

What does this mean?

**Yorkshire Building Society: **
DIRECT Fixed till 31-12-20
Rate
**
1.63%
**

**For 26 months, then SVR for 22 years and 10 months **
currently 4.99%
Set-up Fees:
**£1,670**

Monthly Payment
**£487 For 26 months
**
Then £676 for 22 years and 10 months

MSE Total Cost **£6,620
**

for year 1
**
This product is only available from Yorkshire Building Society How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£1,495

Valuation fee:£175

Other Fees: £0

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£90, plus (2.5% until 31-12-19, 1.5% until 31-12-20)

OTHER PRODUCT INFO

Exit fee:£90

Maximum LTV85%

Minimum Loan£50,000

Maximum Loan£1,000,000

The total amount payable is £198,255 and the overall cost for comparison is

**4.4%** APRC.

What does this mean?

**Leeds Building Society: **
2 Year Fixed to 31/12/2020 FTB
Rate
**
1.63%
**

**For 26 months, then SVR for 22 years and 10 months **
currently 5.69%
Set-up Fees:
**£2,034**

Monthly Payment
**£487 For 26 months
**
Then £720 for 22 years and 10 months

MSE Total Cost **£6,780
**

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:£1,999

Valuation fee:£0

Other Fees: £35

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£199, plus (3% in year 1, 2% until 31-12-20) with a fee free allowance of 10%

OTHER PRODUCT INFO

Exit fee:£199

Maximum LTV85%

Minimum Loan£0

Maximum Loan£500,000

The total amount payable is £209,992 and the overall cost for comparison is

**4.9%** APRC.

What does this mean?

**Barclays: **
Scotland HTB Fixed till 31-01-21
Rate
**
1.64%
**

**For 27 months, then SVR for 22 years and 9 months **
currently 4.24%
Set-up Fees:
**£534**

Monthly Payment
**£488 For 27 months
**
Then £634 for 22 years and 9 months

MSE Total Cost **£6,090
**

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

Application Fee:£0

Product Fee:£499

Valuation fee:£0

Other Fees: £35

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£80, plus (2% until 31-01-21) of balance repaid

OTHER PRODUCT INFO

Exit fee:£80

Maximum LTV80%

Minimum Loan£25,000

Maximum Loan£160,000

The total amount payable is £186,951 and the overall cost for comparison is

**3.8%** APRC.

What does this mean?

**Skipton Building Society: **
2 yr Tracker
Rate
**
1.64%
**

**For 24 months, then SVR for 23 years**
currently 4.99%
Set-up Fees:
**£1,001**

Monthly Payment
**£488 For 24 months
**
Then £683 for 23 years

MSE Total Cost **£6,350
**

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

Application Fee:£0

Product Fee:£995

Valuation fee:£0

Other Fees: £6

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

Not Applicable

OTHER PRODUCT INFO

Exit fee:£65

Maximum LTV80%

Minimum Loan£0

Maximum Loan£750,000

The total amount payable is £201,254 and the overall cost for comparison is

**4.5%** APRC.

What does this mean?

**TSB Bank PLC: **
DIRECT Fixed till 30-11-20
Rate
**
1.64%
**

**For 25 months, then SVR for 22 years and 11 months **
currently 4.24%
Set-up Fees:
**£1,149**

Monthly Payment
**£488 For 25 months
**
Then £635 for 22 years and 11 months

MSE Total Cost **£6,400
**

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

Application Fee:£0

Product Fee:£995

Valuation fee:£154

Other Fees: £0

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

2% until 30-11-19, 1% until 30-11-20

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV80%

Minimum Loan£5,000

Maximum Loan£1,000,000

The total amount payable is £188,077 and the overall cost for comparison is

**3.9%** APRC.

What does this mean?

**TSB Bank PLC via broker: **
Fixed till 30-11-20
Rate
**
1.64%
**

**For 25 months, then SVR for 22 years and 11 months **
currently 4.24%
Set-up Fees:
**£1,149**

Monthly Payment
**£488 For 25 months
**
Then £635 for 22 years and 11 months

MSE Total Cost **£6,400
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£995

Valuation fee:£154

Other Fees: £0

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

2% until 30-11-19, 1% until 30-11-20

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV80%

Minimum Loan£5,000

Maximum Loan£1,000,000

The total amount payable is £188,077 and the overall cost for comparison is

**3.9%** 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.