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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.
Key features of these mortgages:
- 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.
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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.
- Loan-to-value - 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
- 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. Except Offset Tracker for the Term of the mortgage (+3.25%) which is £330 for 3 years from completion.
- 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
- Portable - you can carry forward the special rate to a mortgage on a new property for the remainder of the special rate period.
- We only accept remortgage applications if you have owned your property for at least 6 months.
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