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Offset Variable Investment Housing Loan Capital and Interest

For loans up to 75% of property value

Product nameOffset Variable Investment Housing Loan Capital and Interest
Initial rate5.35% (variable)
Initial rate expires onNo end date
Rate thereafterVariable for term
Overall cost for comparison5.6% APRC
Arrangement fee
£1,999
Option to add arrangement fees to mortgageYes the arrangement fee can be added to the loan, provided the total borrowing does not exceed the maximum LTV for the product type
Eligibility

Available for purchase and remortgage, new applications and product transfer. Applicants must be aged 18 or over. All loans are subject to status. Security will be required

Maximum loan amountLoans up to £750,000 - maximum LTV 75%
Loans up to £1,000,000 - maximum LTV 70%
Maximum loan to value75%
Minimum loan amount£80,000
Special offersRemortgage: Legal fees and valuation paid for remortgages only #
Special features

At the end of the discounted/fixed period you can make extra payments or repay your whole mortgage without penalty.

 

# The switching package is only available to applicants moving their mortgage from another lender. If the property is unencumbered, a free valuation is available. Free valuations are available on properties worth £2m, or less. Optima Legal Services will charge a funds transfer fee of £42 to applicants who use the switching package.