**Monmouthshire: **
Regional Only 2 yr Fixed
Rate
**
1.81%
**

**For 24 months, then SVR for 23 years**
currently 4.74%
Set-up Fees:
**£1,020**

Monthly Payment
**£622 For 24 months
**
Then £835 for 23 years

MSE Total Cost **£7,970
**

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

Application Fee:£0

Product Fee:£995

Valuation fee:£0

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 LTV90%

Minimum Loan£40,000

Maximum Loan£475,000

The total amount payable is £246,538 and the overall cost for comparison is

**4.4%** APRC.

What does this mean?

**Monmouthshire: **
Regional Only 2 yr Fixed
Rate
**
1.81%
**

**For 24 months, then SVR for 23 years**
currently 4.74%
Set-up Fees:
**£1,020**

Monthly Payment
**£622 For 24 months
**
Then £835 for 23 years

MSE Total Cost **£7,970
**

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

Application Fee:£0

Product Fee:£995

Valuation fee:£0

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 LTV90%

Minimum Loan£40,000

Maximum Loan£475,000

The total amount payable is £246,538 and the overall cost for comparison is

**4.4%** APRC.

What does this mean?

**Chelsea Building Society: **
DIRECT Fixed till 31-08-19
Rate
**
1.83%
**

**For 25 months, then SVR for 22 years and 11 months **
currently 4.74%
Set-up Fees:
**£1,900**

Monthly Payment
**£623 For 25 months
**
Then £834 for 22 years and 11 months

MSE Total Cost **£8,390
**

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

Application Fee:£0

Product Fee:£1,695

Valuation fee:£205

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 LTV90%

Minimum Loan£50,000

Maximum Loan£500,000

The total amount payable is £247,035 and the overall cost for comparison is

**4.4%** APRC.

What does this mean?

**Yorkshire Building Society: **
DIRECT Fixed till 30-11-19
Rate
**
1.85%
**

**For 28 months, then SVR for 22 years and 8 months **
currently 4.74%
Set-up Fees:
**£1,200**
Cashback: Up to £250

Monthly Payment
**£625 For 28 months
**
Then £832 for 22 years and 8 months

MSE Total Cost **£7,900
**

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

Application Fee:£0

Product Fee:£995

Valuation fee:£205

Other Fees: £0

Cashback:Up to £250

See exact cashback eligibility criteria on the lender's site

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£90, plus (2% until 30-11-18, 1% until 30-11-19)

OTHER PRODUCT INFO

Exit fee:£90

Maximum LTV90%

Minimum Loan£50,000

Maximum Loan£500,000

The total amount payable is £244,915 and the overall cost for comparison is

**4.3%** APRC.

What does this mean?

**First Direct: **
DIRECT 2 yr Fixed
Rate
**
1.89%
**

**For 24 months, then SVR for 23 years**
currently 3.69%
Set-up Fees:
**£1,450**

Monthly Payment
**£627 For 24 months
**
Then £755 for 23 years

MSE Total Cost **£8,250
**

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

Application Fee:£1,450

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 LTV90%

Minimum Loan£10,000

Maximum Loan£400,000

The total amount payable is £225,020 and the overall cost for comparison is

**3.5%** APRC.

What does this mean?

**Leek United Building Society: **
Fixed till 31-10-19
Rate
**
1.90%
**

**For 27 months, then SVR for 22 years and 9 months **
currently 5.19%
Set-up Fees:
**£1,200**

Monthly Payment
**£628 For 27 months
**
Then £869 for 22 years and 9 months

MSE Total Cost **£8,070
**

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

Application Fee:£100

Product Fee:£895

Valuation fee:£185

Other Fees: £20

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£80, plus 2% until 31-10-18, 1% until 31-10-19

OTHER PRODUCT INFO

Exit fee:£85

Maximum LTV90%

Minimum Loan£25,000

Maximum Loan£1,000,000

The total amount payable is £255,297 and the overall cost for comparison is

**4.7%** APRC.

What does this mean?

**HSBC: **
DIRECT Premier + Adv Fixed till 30-09-19
Rate
**
1.94%
**

**For 26 months, then SVR for 22 years and 10 months **
currently 3.69%
Set-up Fees:
**£952**

Monthly Payment
**£631 For 26 months
**
Then £754 for 22 years and 10 months

MSE Total Cost **£8,010
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£650

Product Fee:£99

Valuation fee:£173

Other Fees: £30

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

2% until 30-09-18, 1% until 30-09-19

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV90%

Minimum Loan£10,000

Maximum Loan£400,000

The total amount payable is £224,062 and the overall cost for comparison is

**3.5%** APRC.

What does this mean?

**HSBC: **
DIRECT Standard Fixed till 30-09-19
Rate
**
1.94%
**

**For 26 months, then SVR for 22 years and 10 months **
currently 3.69%
Set-up Fees:
**£1,202**

Monthly Payment
**£631 For 26 months
**
Then £754 for 22 years and 10 months

MSE Total Cost **£8,130
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£900

Product Fee:£99

Valuation fee:£173

Other Fees: £30

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

2% until 30-09-18, 1% until 30-09-19

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV90%

Minimum Loan£10,000

Maximum Loan£400,000

The total amount payable is £224,312 and the overall cost for comparison is

**3.5%** APRC.

What does this mean?

**Nottingham : **
Fixed till 01-11-19
Rate
**
1.99%
**

**For 27 months, then SVR for 22 years and 9 months **
currently 5.49%
Set-up Fees:
**£999**

Monthly Payment
**£635 For 27 months
**
Then £894 for 22 years and 9 months

MSE Total Cost **£8,060
**

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

Application Fee:£199

Product Fee:£800

Valuation fee:£0

Other Fees: £0

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£140, plus (6 months Interest until 01-11-19). Interest at 1.99%

OTHER PRODUCT INFO

Exit fee:£140

Maximum LTV90%

Minimum Loan£30,000

Maximum Loan£500,000

The total amount payable is £262,307 and the overall cost for comparison is

**4.9%** APRC.

What does this mean?

**Accord Mortgages: **
Fixed till 30-09-19 Prime
Rate
**
1.99%
**

**For 26 months, then SVR for 22 years and 10 months **
currently 5.34%
Set-up Fees:
**£1,200**

Monthly Payment
**£635 For 26 months
**
Then £883 for 22 years and 10 months

MSE Total Cost **£8,170
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£0

Product Fee:£995

Valuation fee:£205

Other Fees: £0

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

£90, plus (2% until 30-09-18, 1% until 30-09-19)

OTHER PRODUCT INFO

Exit fee:£90

Maximum LTV90%

Minimum Loan£75,000

Maximum Loan£500,000

The total amount payable is £259,643 and the overall cost for comparison is

**4.9%** 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.