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Mortgages for existing clients
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Use this tool to find mortgages available for your loan-to-value (LTV).
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Offsetting can be a great way to use your money efficiently. Key flexible features of our offset mortgages include:
- Interest calculated on the basis of daily balances - to give you a consistently good deal.
- No limit on the amount you can offset.
- Loan-to-value - You could borrow up to a maximum of 75% of the value or purchase price of your property, whichever is the lower. Show all loan-to-value tiers
- Lending limits - You can borrow from £25,001 and different lending limits will apply depending on your choice of mortgage. Find out more about lending limits
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View all features
For rates for existing clients not moving home then telephone 0845 602 6200.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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With our tracker rate mortgages, your interest rate tracks changes to the Bank of England's (B.o.E) base rate for a set period.
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Product
name |
Max loan to value |
Initial rate |
Then changing for the remainder of the term to |
The overall
cost for
comparison is |
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| Home Purchase Offset Tracker 75 until 1 April 2014 (BOE + 3.04%) |
75%
LTV |
3.54%
currently.
Tracks 3.04% above the BoE's base rate
until 01.04.14 |
2.50% currently.
(our offset variable mortgage rate) |
3.2%
APR
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| Arrangement fee: £999 | Early repayment charges - 3.00% until 01.04.13, 2.00% until 01.04.14 on original 'special rate' advance [full redemption] | Non-refundable valuation fee | 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.
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With our fixed rate mortgage, you have the assurance of knowing your interest rate will stay the same for a set period.
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Product
name |
Max loan to value |
Initial rate |
Then changing for the remainder of the term to |
The overall
cost for
comparison is |
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| Offset fixed 75 until 1 April 2014 |
75%
LTV |
4.79%
fixed
until 01.04.14 |
2.50% currently.
(our offset variable mortgage rate) |
3.5%
APR
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| Arrangement fee: £999 | Early repayment charges - 3.00% until 01.04.13, 2.00% until 01.04.14 on original 'special rate' advance [full redemption] | Non-refundable valuation fee | 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.
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Mortgage payment options - If you choose to minimise interest paid on your mortgage, you can choose between 3 ways of receiving the benefit of offsetting, and swap between them at any time. You can choose between Shorter Term, Lower Payments and Reduced Debt
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Overpayments
- flexibility to make overpayments. Bear in mind that if you repay your mortgage in full within a special rate period, early repayment charges may apply.
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Additional borrowing
- you can release money tied up in your home, based on your income and house
value.
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Payment holidays - you can take 2 monthly payment holidays each year, not during the first 6 months, the fixed rate period or the last 3 years of the mortgage. We still charge interest, which, along with missed payments, is repaid over your remaining term.
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Interest calculated on the basis of daily balances - to give you a consistently good deal.
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Portable - you can carry forward the special rate to a mortgage on a new property for the remainder of the special rate period.
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Choose your repayment type - repayment, interest-only,
or a combination of both.
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Choose the term of your mortgage - from 5 years upwards
(providing the loan is repaid by your 65th birthday).
- Offset mortgages - give you the option to link your St. James's Place Bank savings and/or current account balances and instead of receiving interest on your savings and/or current account balances, you pay none on the equivalent amount of your mortgage.
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