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Your home may be repossessed if you do not keep up repayments on your mortgage.
 
Remortgaging Home Purchase Existing clients moving home

Fixed Rate Mortgages

Use this tool to find mortgages available for your loan-to-value (LTV).

Property value  £      Mortgage amount  £     

Offset Fixed Rate Mortgages

With our offset fixed rate mortgage, you can choose to offset your St James's Place Bank savings and / or current account.

Key features of our offset fixed rate mortgages include:
  • No limit on the amount you can offset.
  • Interest calculated on the basis of daily balances - to give you a consistently good deal.
  • For all remortgages we will pay our own legal fees.
  • Depending on your remortgage choice, we will also refund the standard valuation fee. If we do so, a contribution of £330 will need to be repaid if you redeem your mortgage on or before 31.03.12.
  • We only accept remortgage applications if you have owned your property for at least 6 months.
  • Overpayments - you can make unrestricted overpayment. Bear in mind that if you repay your mortgage in full within the fixed rate, special rate period, early repayment charges may apply
  • Portable - you can carry forward the special rate to a mortgage on a new property for the remainder of the special rate period
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 fixed 60 until 31 March 2012 60%
LTV
5.09%
fixed until 31.03.12
2.50% currently.
(our offset variable mortgage rate)
3.2%
APR
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.

For details of our full offset range, please visit St. James's Place Bank Offset Mortgages.

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