**Progressive Building Society (Northern Ireland only): **
2 yr Discount Variable
Rate
**
0.99%
**

**For 24 months, then SVR for 23 years**
currently 4.75%
Set-up Fees:
**£0**

Monthly Payment
**£452 For 24 months
**
Then £664 for 23 years

MSE Total Cost **£5,420
**

for year 1
**
This product is available directly from Progressive Building Society (Northern Ireland only) or via a broker How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£0

Valuation fee:£0

Other Fees: £0

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£170, plus (2% in year 1, 1% in year 2)

OTHER PRODUCT INFO

Exit fee:£170

Maximum LTV80%

Minimum Loan£30,000

Maximum Loan£500,000

The total amount payable is £194,222 and the overall cost for comparison is

**4.1%** APRC.

What does this mean?

**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?

**Progressive Building Society (Northern Ireland only): **
2 yr Discount Variable
Rate
**
1.29%
**

**For 24 months, then SVR for 23 years**
currently 4.75%
Set-up Fees:
**£0**

Monthly Payment
**£468 For 24 months
**
Then £666 for 23 years

MSE Total Cost **£5,620
**

for year 1
**
This product is available directly from Progressive Building Society (Northern Ireland only) or via a broker How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£0

Valuation fee:£0

Other Fees: £0

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£170, plus (2% in year 1, 1% in year 2)

OTHER PRODUCT INFO

Exit fee:£170

Maximum LTV85%

Minimum Loan£30,000

Maximum Loan£500,000

The total amount payable is £195,115 and the overall cost for comparison is

**4.2%** 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 26 months, then SVR for 22 years and 10 months **
currently 3.94%
Set-up Fees:
**£929**

Monthly Payment
**£474 For 26 months
**
Then £615 for 22 years and 10 months

MSE Total Cost **£6,110
**

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 £181,822 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 26 months, then SVR for 22 years and 10 months **
currently 3.94%
Set-up Fees:
**£929**

Monthly Payment
**£474 For 26 months
**
Then £615 for 22 years and 10 months

MSE Total Cost **£6,110
**

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 £181,822 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?

**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 Standard Fixed till 31-05-20
Rate
**
1.39%
**

**For 26 months, then SVR for 22 years and 10 months **
currently 3.94%
Set-up Fees:
**£1,029**

Monthly Payment
**£474 For 26 months
**
Then £615 for 22 years and 10 months

MSE Total Cost **£6,160
**

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 £181,922 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 26 months, then SVR for 22 years and 10 months **
currently 3.94%
Set-up Fees:
**£1,029**

Monthly Payment
**£474 For 26 months
**
Then £615 for 22 years and 10 months

MSE Total Cost **£6,160
**

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 £181,922 and the overall cost for comparison is

**3.6%** 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.