Mortgage houses

Early Repayment Charge Free

We understand not all borrowers are the same, we don't all fit into boxes. From first time buyers, those with complex incomes, borrowers nearing or are already retired, we’ll help find the mortgage that's right for you.

With flexible, manual underwriting we can take a view on your individual circumstances and often find a way to help support making your dreams come true.

Mortgage
Type
Initial
Rate
Term Standard
Variable
Rate
Maximum
Loan
to Value
Overall Cost
for Comparison
(APRC)
Application
Fee
Arrangement
Fee
Early
Repayment
Charge
75% LTV - Variable Mortgage 3.45% (Variable) Term 3.45% (Variable) 75% 3.70% APRC 0.5% 0.5% No

Key Features

  • Available for house purchases, moving home, remortgage and capital raising.
  • Pay Rate is Stafford Railway’s Standard Variable Rate (SVR) for term of 3.45%
  • The overall cost for comparison is 3.70% APRC
  • An application fee of 0.5% is payable on applicaiton
  • An arrangement fee of 0.5% is payable on completion
  • Valuation fees apply
  • Interest calculated daily
  • Representative Example (Effective from 21 November 2019)
    A mortgage of £250,000 payable over 17 years on a pay rate of 3.45% on our Standard Variable Rate (SVR) currently for term would require 204 monthly payments of £1621.51. The total amount payable would be £333,863.04 made up of the loan amount plus interest (£83863.04), a valuation fee of £415, a funds transfer fee of £25, estimated solicitors fees of £145, an application fee of £1,250 and an arrangement fee of £1,250. The overall cost for comparison is 3.70% APRC representative.

Successfully making mortgage dreams happen since 1877.

Other general mortgage information