Income Flex (x5.5) – 2 Year Fixed
IFHF48 With effect from 21 July 2025
Initial Interest Rate
Fixed for 2 years from date of completion.
6.25%
fixed
Max Loan to Value (LTV)
Maximum loan to value available:
90%
Product Fees
Application fee
Free
Completion fee
£800 (non-refundable)
£800 (non-refundable)
Overall Cost for Comparison
The overall cost for comparison
7.1% APRC representative
Fee information
Application fee
Free
Completion fee
£800 (non-refundable)
This fee can be paid before the start of the mortgage or you can elect to add this to the mortgage loan and it will be deducted from the mortgage advance on completion. By electing to add fees to the loan, you will pay interest on them at the same interest rate as your mortgage throughout the mortgage term and this will affect interest charges and payment calculations. If preferred, fees that have been added to the loan may be repaid by a separate capital payment at any time after the start of the mortgage and this will result in lower monthly payments and reduced interest charges.
Valuation fee
Please see the table at the link for details of the applicable fee.
Early repayment charge
During year 1: 2% of the amount repaid early plus fees During year 2: 1% of the amount repaid early plus fees
This charge is calculated as a percentage of the amount repaid early, excluding any arrears of interest, or other charges. The early repayment charge is payable if you repay any amount in excess of 10% of the mortgage balance in any one year.
Overpayments
Overpayments of up to 10% per year may be made without incurring the early repayment charge.
Mortgage exit admin fee
£125 (non-refundable)
Representative Example
A Mortgage of
A mortgage of £233,800 (a loan of £233,000 plus a completion fee of £800 added to the loan)
Payable term
Payable over 29 years
Initial rate and term
Initially on a fixed rate for 2 years of 6.25%
Followed by
Our Homeowner Variable Rate of 7.04% for the remaining 27 years
Monthly payments
24 payments of £1,456.62 followed by 324 payments of £1,572.16
Total amount payable
The total amount payable would be £545,003.72 made up of the loan amount plus interest (£310,538.72) plus the fees below
Arrangement fee
Free
Mortgage exit administration fee
£125 (non-refundable)
Valuation fee
£290
Cost for comparison
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