If your clients are worried about a rise or fall in interest rates, our residential fixed rate products could give them the certainty they need. We offer fixed rates up to 95% LTV for purchases and remortgages.
For clients who prefer variable mortgage rates, we offer rates up to 85% LTV for purchases and remortgages.
Help to Buy: Equity Loans
Clients buying a property through the government’s Help to Buy: Equity Loan scheme can access rates up to 85% LTV. Help to Buy: Equity Loans are only available to first time buyers in England, and for purchase only in Wales.
Our 95% LTV products are not available for top up loans when porting your customer's mortgage.
First Start boosts a client’s borrowing power by combining their income with that of a sponsor. So together they can borrow more, responsibly. It can help clients struggling to get on the property ladder, those who’ve had a change in personal circumstances and need to buy a home, as well as movers. Rates are available up to 85% LTV (purchases only).
All our mortgages are available in Great Britain and Northern Ireland.
The Bank of Ireland Standard Variable Rate is currently 4.09%. The Lending Fee is £195 (due on completion, but can be deferred until the mortgage is fully repaid).