Your home may be repossessed if you do not keep up
repayments on your mortgage.
All St James's Place Bank Mortgages
Use this tool to find mortgages available for your
loan-to-value (LTV).
Offset Mortgages
Offsetting can be a great way to use your money effectively.
You can borrow up to a maximum of 60% of the value or purchase price of your property, whichever is the lower. Show all loan-to-value tiers. However different lending limits may apply depending on your choice of mortgage. Find out more about lending limits.
We only accept remortgage applications if you have owned your property for at least 6 months.
For rates for existing customers not moving home then phone 0845 602 6200.
Offset Tracker Mortgages
With our offset tracker rate mortgages, your interest rate tracks the Bank of England's (B.o.E) base rate for a set period, and you can choose to offset your St. James's Place Bank savings and / or current account.
Product
name
Max loan to value
Initial rate
Then changing for the remainder of the term to
The overall
cost for
comparison is
Remortgage Offset tracker 60 for term of mortgage
60% LTV
3.75% currently. Tracks 3.25% above the BoE's base ratefor term of the mortgage
3.9%
APR
Arrangement fee:
£999 | Early
repayment charges -
3.00% for 3 years on original 'special rate' advance [full redemption] |
Refundable valuation fee | £330 charge if mortgage redeemed before 3 years from completion |
CHAPS Fee: £25
|
Additional Borrowing -
the same as St. James's Place Bank's offset variable mortgage rate.
Arrangement fee:
£499 | Early
repayment charges -
3.00% until 31.03.11, 2.00% until 31.03.12 on original 'special rate' advance [full redemption] |
Refundable valuation fee | £330 charge if mortgage redeemed before 31/03/2012 |
CHAPS Fee: £25
|
Additional Borrowing -
the same as St. James's Place Bank's offset variable mortgage rate.
Your home may be repossessed if you do not keep up repayments on your mortgage.
