**Chelsea Building Society Exclusive: **
DIRECT Fixed till 31-08-19
Rate
**
1.14%
**

**For 21 months, then SVR for 23 years and 3 months **
currently 4.74%
Set-up Fees:
**£1,930**

Monthly Payment
**£575 For 21 months
**
Then £833 for 23 years and 3 months

MSE Total Cost **£8,000
**

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

Application Fee:£0

Product Fee:£1,695

Valuation fee:£235

Other Fees: £0

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£90, plus (2% until 31-08-18, 1% until 31-08-19)

OTHER PRODUCT INFO

Exit fee:£90

Maximum LTV65%

Minimum Loan£25,001

Maximum Loan£5,000,000

The total amount payable is £246,506 and the overall cost for comparison is

**4.4%** APRC.

What does this mean?

**Yorkshire Building Society: **
DIRECT Fixed till 29-02-20
Rate
**
1.17%
**

**For 27 months, then SVR for 22 years and 9 months **
currently 4.74%
Set-up Fees:
**£1,730**

Monthly Payment
**£577 For 27 months
**
Then £827 for 22 years and 9 months

MSE Total Cost **£7,690
**

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:£235

Other Fees: £0

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£90, plus (2% until 28-02-19, 1% until 29-02-20)

OTHER PRODUCT INFO

Exit fee:£90

Maximum LTV75%

Minimum Loan£25,001

Maximum Loan£5,000,000

The total amount payable is £243,293 and the overall cost for comparison is

**4.2%** APRC.

What does this mean?

**Yorkshire Building Society: **
DIRECT Fixed till 29-02-20
Rate
**
1.21%
**

**For 27 months, then SVR for 22 years and 9 months **
currently 4.74%
Set-up Fees:
**£730**

Monthly Payment
**£579 For 27 months
**
Then £828 for 22 years and 9 months

MSE Total Cost **£7,280
**

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

Application Fee:£0

Product Fee:£495

Valuation fee:£235

Other Fees: £0

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£90, plus (2% until 28-02-19, 1% until 29-02-20)

OTHER PRODUCT INFO

Exit fee:£90

Maximum LTV65%

Minimum Loan£25,001

Maximum Loan£5,000,000

The total amount payable is £242,457 and the overall cost for comparison is

**4.2%** APRC.

What does this mean?

**First Direct: **
DIRECT 2 yr Fixed
Rate
**
1.24%
**

**For 24 months, then SVR for 23 years**
currently 3.69%
Set-up Fees:
**£725**

Monthly Payment
**£582 For 24 months
**
Then £751 for 23 years

MSE Total Cost **£7,340
**

for year 1
**
This product is only available from First Direct How to apply
**
SET-UP FEES BREAKDOWN

Application Fee:£725

Product Fee:£0

Valuation fee:£0

Other Fees: £0

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£149, plus (3% in year 1, 2% in year 2)

OTHER PRODUCT INFO

Exit fee:£149

Maximum LTV60%

Minimum Loan£10,000

Maximum Loan£1,000,000

The total amount payable is £222,010 and the overall cost for comparison is

**3.4%** APRC.

What does this mean?

**Clydesdale Bank: **
Fixed till 31-01-20
Rate
**
1.24%
**

**For 26 months, then SVR for 22 years and 10 months **
currently 4.70%
Set-up Fees:
**£1,039**

Monthly Payment
**£582 For 26 months
**
Then £827 for 22 years and 10 months

MSE Total Cost **£7,460
**

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

Application Fee:£0

Product Fee:£999

Valuation fee:£0

Other Fees: £40

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£195, plus (3% until 31-01-19, 2% until 31-01-20)

OTHER PRODUCT INFO

Exit fee:£195

Maximum LTV60%

Minimum Loan£80,000

Maximum Loan£499,999

The total amount payable is £242,892 and the overall cost for comparison is

**4.2%** APRC.

What does this mean?

**Barclays: **
Fixed till 31-01-20
Rate
**
1.29%
**

**For 26 months, then SVR for 22 years and 10 months **
currently 3.99%
Set-up Fees:
**£1,034**
Cashback: Up to £200

Monthly Payment
**£585 For 26 months
**
Then £772 for 22 years and 10 months

MSE Total Cost **£7,400
**

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:£999

Valuation fee:£0

Other Fees: £35

Cashback:Up to £200

See exact cashback eligibility criteria on the lender's site

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£80, plus (3% until 31-01-20) of balance repaid

OTHER PRODUCT INFO

Exit fee:£80

Maximum LTV60%

Minimum Loan£5,000

Maximum Loan£2,000,000

The total amount payable is £227,670 and the overall cost for comparison is

**3.6%** APRC.

What does this mean?

**Barclays: **
Fixed till 31-01-20
Rate
**
1.29%
**

**For 26 months, then SVR for 22 years and 10 months **
currently 3.99%
Set-up Fees:
**£1,034**
Cashback: Up to £200

Monthly Payment
**£585 For 26 months
**
Then £772 for 22 years and 10 months

MSE Total Cost **£7,400
**

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:£999

Valuation fee:£0

Other Fees: £35

Cashback:Up to £200

See exact cashback eligibility criteria on the lender's site

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£80, plus (3% until 31-01-20) of balance repaid

OTHER PRODUCT INFO

Exit fee:£80

Maximum LTV60%

Minimum Loan£5,000

Maximum Loan£2,000,000

The total amount payable is £227,670 and the overall cost for comparison is

**3.6%** APRC.

What does this mean?

**Digital Mortgages by Atom Bank: **
Fixed till 31-01-20
Rate
**
1.29%
**

**For 26 months, then SVR for 22 years and 10 months **
currently 3.75%
Set-up Fees:
**£910**

Monthly Payment
**£585 For 26 months
**
Then £754 for 22 years and 10 months

MSE Total Cost **£7,440
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£900

Valuation fee:£0

Other Fees: £10

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

3% until 31-01-19, 2% until 31-01-20

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV60%

Minimum Loan£25,000

Maximum Loan£2,000,000

The total amount payable is £222,770 and the overall cost for comparison is

**3.4%** APRC.

What does this mean?

**Barclays: **
Fixed till 31-01-20
Rate
**
1.29%
**

**For 26 months, then SVR for 22 years and 10 months **
currently 3.99%
Set-up Fees:
**£1,034**

Monthly Payment
**£585 For 26 months
**
Then £772 for 22 years and 10 months

MSE Total Cost **£7,500
**

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:£999

Valuation fee:£0

Other Fees: £35

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£80, plus (3% until 31-01-20) of balance repaid

OTHER PRODUCT INFO

Exit fee:£80

Maximum LTV60%

Minimum Loan£5,000

Maximum Loan£2,000,000

The total amount payable is £227,870 and the overall cost for comparison is

**3.6%** APRC.

What does this mean?

**Barclays: **
Fixed till 31-01-20
Rate
**
1.29%
**

**For 26 months, then SVR for 22 years and 10 months **
currently 3.99%
Set-up Fees:
**£1,034**

Monthly Payment
**£585 For 26 months
**
Then £772 for 22 years and 10 months

MSE Total Cost **£7,500
**

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:£999

Valuation fee:£0

Other Fees: £35

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£80, plus (3% until 31-01-20) of balance repaid

OTHER PRODUCT INFO

Exit fee:£80

Maximum LTV60%

Minimum Loan£5,000

Maximum Loan£2,000,000

The total amount payable is £227,870 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.