**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?

**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 2 yr Tracker
Rate
**
1.39%
**

**For 24 months, then SVR for 23 years**
currently 3.94%
Set-up Fees:
**£779**

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

MSE Total Cost **£6,070
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£650

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 £182,242 and the overall cost for comparison is

**3.6%** APRC.

What does this mean?

**HSBC: **
DIRECT Standard 2 yr Tracker
Rate
**
1.39%
**

**For 24 months, then SVR for 23 years**
currently 3.94%
Set-up Fees:
**£1,029**

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

MSE Total Cost **£6,200
**

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:

Not Applicable

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV80%

Minimum Loan£10,000

Maximum Loan£1,000,000

The total amount payable is £182,492 and the overall cost for comparison is

**3.6%** APRC.

What does this mean?

**Progressive Building Society: **
2 yr Discount Variable
Rate
**
1.42%
**

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

Monthly Payment
**£475 For 24 months
**
Then £666 for 23 years

MSE Total Cost **£5,700
**

for year 1
**
This product is available directly from Progressive Building Society 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 £195,504 and the overall cost for comparison is

**4.2%** APRC.

What does this mean?

**HSBC: **
DIRECT Premier + Adv Fixed till 28-02-20
Rate
**
1.44%
**

**For 25 months, then SVR for 22 years and 11 months **
currently 3.94%
Set-up Fees:
**£779**

Monthly Payment
**£476 For 25 months
**
Then £616 for 22 years and 11 months

MSE Total Cost **£6,090
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£650

Product Fee:£99

Valuation fee:£0

Other Fees: £30

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

2% until 28-02-19, 1% until 28-02-20

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV80%

Minimum Loan£10,000

Maximum Loan£1,000,000

The total amount payable is £182,106 and the overall cost for comparison is

**3.6%** APRC.

What does this mean?

**HSBC: **
DIRECT Premier + Adv Fixed till 28-02-20
Rate
**
1.44%
**

**For 25 months, then SVR for 22 years and 11 months **
currently 3.94%
Set-up Fees:
**£779**

Monthly Payment
**£476 For 25 months
**
Then £616 for 22 years and 11 months

MSE Total Cost **£6,090
**

for year 1
SET-UP FEES BREAKDOWN

Application Fee:£650

Product Fee:£99

Valuation fee:£0

Other Fees: £30

Cashback:£0

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

2% until 28-02-19, 1% until 28-02-20

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV85%

Minimum Loan£10,000

Maximum Loan£400,000

The total amount payable is £182,106 and the overall cost for comparison is

**3.6%** APRC.

What does this mean?

**HSBC: **
DIRECT Standard Fixed till 28-02-20
Rate
**
1.44%
**

**For 25 months, then SVR for 22 years and 11 months **
currently 3.94%
Set-up Fees:
**£1,029**

Monthly Payment
**£476 For 25 months
**
Then £616 for 22 years and 11 months

MSE Total Cost **£6,210
**

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 28-02-19, 1% until 28-02-20

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV80%

Minimum Loan£10,000

Maximum Loan£1,000,000

The total amount payable is £182,356 and the overall cost for comparison is

**3.6%** APRC.

What does this mean?

**HSBC: **
DIRECT Standard Fixed till 28-02-20
Rate
**
1.44%
**

**For 25 months, then SVR for 22 years and 11 months **
currently 3.94%
Set-up Fees:
**£1,029**

Monthly Payment
**£476 For 25 months
**
Then £616 for 22 years and 11 months

MSE Total Cost **£6,210
**

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 28-02-19, 1% until 28-02-20

OTHER PRODUCT INFO

Exit fee:£0

Maximum LTV85%

Minimum Loan£10,000

Maximum Loan£400,000

The total amount payable is £182,356 and the overall cost for comparison is

**3.6%** APRC.

What does this mean?

**Nationwide Building Society: **
2 yr Tracker
Rate
**
1.44%
**

**For 24 months, then SVR for 23 years**
currently 3.99%
Set-up Fees:
**£1,019**
Cashback: Up to £500

Monthly Payment
**£477 For 24 months
**
Then £620 for 23 years

MSE Total Cost **£5,980
**

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

Application Fee:£0

Product Fee:£999

Valuation fee:£0

Other Fees: £20

Cashback:Up to £500

See exact cashback eligibility criteria on the lender's site

FLEXIBILITY

Overpayments allowed?

Yes

Early repayment charge:

Not Applicable

OTHER PRODUCT INFO

Exit fee:£65

Maximum LTV80%

Minimum Loan£25,000

Maximum Loan£1,000,000

The total amount payable is £183,196 and the overall cost for comparison is

**3.7%** 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.