To ensure responsible lending we offer mortgages on net disposable income (NDI), so every decision is based on your clients' true affordability.
- Check the borrowing power of NDI with this calculator
- 75% LTV for loans up to £350,000
- Available to self-employed applicants
2 Year Fixed Rates
Product code: S02088
5.99% - 30.11.2010, thereafter 7.24% (BBR + 2.24%) 7.5% APR
- No Higher Lending Charge
Early Repayment Charge: 5% of capital repaid until 30.11.2010
Max LTV: 50%
Arrangement Fee: 2.50% of loan (min £895)‡
Product code: S02089
6.09% - 30.11.2010, thereafter 7.24% (BBR + 2.24%) 7.6% APR
- No Higher Lending Charge
Early Repayment Charge: 5% of capital repaid until 30.11.2010
Max LTV: 65%
Arrangement Fee: 2.50% of loan (min £895)‡
3 Year Fixed Rates
Product code: S03058
6.64% - 30.11.2011, thereafter 7.24% (BBR + 2.24%) 7.5% APR
- No Higher Lending Charge
Early Repayment Charge: 5% of capital repaid until 30.11.2011
Max LTV: 50%
Arrangement Fee: 1.25% of loan (min £895)‡
Product code: S03059
6.74% - 30.11.2011, thereafter 7.24% (BBR + 2.24%) 7.5% APR
- No Higher Lending Charge
Early Repayment Charge: 5% of capital repaid until 30.11.2011
Max LTV: 65%
Arrangement Fee: 1.25% of loan (min £895)‡
Product code: S03515
6.74% - 30.11.2011, thereafter 7.24% (BBR + 2.24%) 7.5% APR
- No Higher Lending Charge
- Free valuation**
- Available via TMW Online only
- Remortgage only
Early Repayment Charge: 5% of capital repaid until 30.11.2011
Max LTV: 65%
Arrangement Fee: 1.50% of loan (minimum £895)‡
Product code: S03060
7.49% - 30.11.2011, thereafter 7.24% (BBR + 2.24%) 7.8% APR
- No Higher Lending Charge
Early Repayment Charge: 5% of capital repaid until 30.11.2011
Max LTV: 75%
Arrangement Fee: 1.25% of loan (min £895)‡
5 Year Fixed Rates
Product code: S19044
6.74% - 30.11.2013, thereafter 7.24% (BBR + 2.24%) 7.4% APR
- No Higher Lending Charge
Early Repayment Charge: 7% of capital repaid until 30.11.2009, 6% of capital repaid until 30.11.2010, then 5% of capital repaid until 30.11.2013
Max LTV: 50%
Arrangement Fee: 0.75% of loan (min £895)‡
Product code: S19045
6.89% - 30.11.2013, thereafter 7.24% (BBR + 2.24%) 7.5% APR
- No Higher Lending Charge
Early Repayment Charge: 7% of capital repaid until 30.11.2009, 6% of capital repaid until 30.11.2010, then 5% of capital repaid until 30.11.2013
Max LTV: 65%
Arrangement Fee: 0.75% of loan (min £895)‡
Product code: S19534
6.89% - 30.11.2013, thereafter 7.24% (BBR + 2.24%) 7.5% APR
- No Higher Lending Charge
- Free valuation**
- Available via TMW Online only
- Remortgage only
Early Repayment Charge: 7% of capital repaid until 30.11.2009, 6% of capital repaid until 30.11.2010, then 5% of capital repaid until 30.11.2013
Max LTV: 65%
Arrangement Fee: 1.00% of loan (minimum £895)‡
Product code: S19046
7.49% - 30.11.2013, thereafter 7.24% (BBR + 2.24%) 7.7% APR
- No Higher Lending Charge
Early Repayment Charge: 7% of capital repaid until 30.11.2009, 6% of capital repaid until 30.11.2010, then 5% of capital repaid until 30.11.2013
Max LTV: 75%
Arrangement Fee: 0.75% of loan (min £895)‡
2 Year Tracker Rates
Product code: S07578
5.74% - 30.11.2010, thereafter 7.24% (BBR + 2.24%) 7.5% APR
- No Higher Lending Charge
Early Repayment Charge: None
Max LTV: 50%
Arrangement Fee: 2.50% of loan (min £895)‡
Product code: S07581
5.84% - 30.11.2010, thereafter 7.24% (BBR + 2.24%) 7.5% APR
- No Higher Lending Charge
Early Repayment Charge: None
Max LTV: 65%
Arrangement Fee: 2.50% of loan (min £895)‡
Product code: S07579
6.24% - 30.11.2010, thereafter 7.24% (BBR + 2.24%) 7.5% APR
- No Higher Lending Charge
Early Repayment Charge: None
Max LTV: 50%
Arrangement Fee: 1.50% of loan (min £895)‡
Product code: S07582
6.34% - 30.11.2010, thereafter 7.24% (BBR + 2.24%) 7.5% APR
- No Higher Lending Charge
Early Repayment Charge: None
Max LTV: 65%
Arrangement Fee: 1.50% of loan (min £895)‡
Product code: S07580
6.74% - 30.11.2010, thereafter 7.24% (BBR + 2.24%) 7.5% APR
- No Higher Lending Charge
Early Repayment Charge: 5% of capital repaid until 30.11.2010
Max LTV: 50%
Arrangement Fee: 0.50% of loan (min £895)‡
Product code: S07583
6.84% - 30.11.2010, thereafter 7.24% (BBR + 2.24%) 7.5% APR
- No Higher Lending Charge
Early Repayment Charge: 5% of capital repaid until 30.11.2010
Max LTV: 65%
Arrangement Fee: 0.50% of loan (min £895)‡
** Free valuations available to maximum property value £500k (£490). Valuations in excess of £500k subsidised by £490.
‡All arrangement fees may be added to the loan. Interest will be charged
Other Information
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All products available as interest only, capital repayment or a combination of the two
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10% capital repayment allowance per annum with no early repayment charge on all products
-
Where fees are added to the loan, interest will be charged
-
Interest charged monthly
Income Multiples
Your clients don't generally need to provide proof of income. Instead, they state their annual net disposable income, after deduction of tax, other regular commitments and their cost of living expenses.
Loan To Value Limits (purchase or remortgage)
75% for loans up to £350,000
