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Purchase

We provide all sorts of mortgages

Discount

Product Initial Interest
Rate
Period Max
LTV
Fees
3 Year Discount 1.94% Variable (Our SVR with a 2.26% discount) 3 Years 75% Purchase: £600
Remortgage: £850
Valuation fee applies for properties valued at over £1m.

A mortgage of £180,000 payable over 35 years initially on our standard variable rate, currently 4.2% with a discount of 2.26% for 36 months giving a current rate payable of 1.94% and then on our standard variable rate, currently 4.2% for the remaining 32 years would require 36 monthly payments of £592.71 and 384 monthly payments of £803.04 plus one initial interest payment of £67.19.

The total amount payable would be £329,887.11 made up of the loan amount plus interest of £149,172.11, an application fee of £600 and a MEAF of £115.

The overall cost for comparison is 3.8% APRC representative.

3 Year Discount 2.74% Variable (Our SVR with a 1.46% discount) 3 Years 85% Purchase: £600
Remortgage: £850
Valuation fee applies for properties valued at over £1m.

A mortgage of £255,000 payable over 35 years initially on our standard variable rate, currently 4.2% with a discount of 1.46% for 36 months giving a current rate payable of 2.74% and then on our standard variable rate, currently 4.2% for the remaining 32 years would require 36 monthly payments of £944.74 and 384 monthly payments of £1,144.01 plus one initial interest payment of £325.42.

The total amount payable would be £474,350.90 made up of the loan amount plus interest of £218,635.90, an application fee of £600 and a MEAF of £115.

The overall cost for comparison is 4% APRC representative.

3 year Discount 3% Variable (Our SVR with a 1.20% discount) 3 Years 90% Purchase: £600
Remortgage: £850

A mortgage of £192,000 payable over 35 years initially on our standard variable rate, currently 4.2% with a discount of 1.20% for 36 months giving a current rate payable of 3% and then on our standard variable rate, currently 4.2% for the remaining 32 years would require 36 monthly payments of £741.22 and 384 monthly payments of £866.39 plus one initial interest payment of £15.83.

The total amount payable would be £359,508.51 made up of the loan amount plus interest of £166,793.51, an application fee of £600 and a MEAF of £115.

The overall cost for comparison is 4.1% APRC representative.

3 Year Discount 3.74% Variable (Our SVR with a 0.46% discount) 3 Years 95% Purchase: £600

A mortgage of £299,250 payable over 30 years initially on our standard variable rate, currently 4.2% with a discount of 0.46% for 36 months giving a current rate payable of 3.74% and then on our standard variable rate, currently 4.2% for the remaining 27 years would require 36 monthly payments of £1,384.18 and 324 monthly payments of £1,456.97 plus one initial interest payment of £122.65.

The total amount payable would be £522,726.41 made up of the loan amount plus interest of £222,761.41 an application fee of £600 and a MEAF of £115.

The overall cost for comparison is 4.2% APRC representative..

Home Starter for first time buyers 3% Variable (Our SVR with a 1.20% discount) 3 Years 90% Purchase: £600

A mortgage of £122,548.36 payable over 22 years initially on our standard variable rate, currently 4.2% with a discount of 1.20% for 36 months giving a current rate payable of 3% and then on our standard variable rate, currently 4.2% for the remaining 19 years would require 36 monthly payments of £306.37 and 228 monthly payments of £781.07 plus one initial interest payment of £141.01.

The total amount payable would be £189,969.29 made up of the loan amount plus interest of £66,705.93, an application fee of £600 and a MEAF of £115.

The overall cost for comparison is 4% APRC representative.

Home Starter for first time buyers 3.74% Variable (Our SVR with a 0.46% discount) 3 Years 95% Purchase: £600

A mortgage of £226,100 payable over 35 years initially on our standard variable rate, currently 4.2% with a discount of 0.46% for 36 months giving a current rate payable of 3.74% and then on our standard variable rate, currently 4.2% for the remaining 32 years would require 36 monthly payments of £704.68 and 384 monthly payments of £1,071.44 plus one initial interest payment of £185.34.

The total amount payable would be £437,701.78 made up of the loan amount plus interest of £210,886.78, an application fee of £600 and a MEAF of £115.

The overall cost for comparison is 4.2% APRC representative.

Shared Equity 3 Year Variable 2.54% Variable (Our SVR with a 1.66% discount) 3 Years 75% Purchase: £600
Valuation fee applies

A mortgage of £155,250 payable over 35 years on our standard variable rate, currently 4.2% for the mortgage term of 35 years would require 36 monthly payments of £559.24 then 384 monthly payments of £696.14 plus one initial interest payment of £162.32.

The total amount payable would be £288,327.72 made up of the loan amount plus interest of £132,112.72, an application fee of £600, a valuation fee of £250 and a MEAF of £115.

The overall cost for comparison is 4.3% APRC representative.

Shared Equity Variable 4.2% Variable (Our SVR) Term 75% Purchase: £600
Valuation fee applies

A mortgage of £155,250 payable over 35 years on our standard variable rate, currently 4.2% for the mortgage term of 35 years would require 420 monthly payments of £707.29 plus one initial interest payment of £268.40.

The total amount payable would be £298,045.20 made up of the loan amount plus interest of £141,830.20, an application fee of £600, a valuation fee of £250 and a MEAF of £115.

The overall cost for comparison is 4.3% APRC representative.

Made to Measure 3 Year Discount 2.7% Variable (Our SVR with a 1.50% discount) 3 Years 75% Purchase: £600
Remortgage: £850
Valuation fee applies for properties valued at over £1m.

A mortgage of £180,000 payable over 35 years initially on our standard variable rate, currently 4.2% with a discount of 1.50% for 36 months giving a current rate payable of 2.7% and then on our standard variable rate, currently 4.2% for the remaining 32 years would require 36 monthly payments of £665.16 and 384 monthly payments of £809.89 plus one initial interest payment of £93.52.

The total amount payable would be £335,152.04 made up of the loan amount plus interest of £154,437.04, an application fee of £600 and a MEAF of £115.

The overall cost for comparison is 4.0% APRC representative.

Discount Market Sale 3 Year Discount 90% 2.74% Variable (Our SVR with a 1.66% discount) 3 Years 90% Purchase: £600
Valuation fee applies

A mortgage of £285,000 payable over 27 years initially on our standard variable rate, currently 4.2% with a discount of 1.46% for 36 months giving a current rate payable of 2.74% and then on our standard variable rate, currently 4.2% for the remaining 24 years would require 36 monthly payments of £1,245.72 and 288 monthly payments of £1,449.32 plus one initial interest payment of £235.34.

The total amount payable would be £463,550.42 made up of the loan amount plus interest of £177,485.42, an application fee of £600, a valuation fee of £350 and a MEAF of £115.

The overall cost for comparison is 3.9% APRC representative.


Fixed

Product Initial Interest
Rate
Period Max
LTV
Fees
Fixed rate until 27 May 2020 - 75% LTV 2.59% Fixed Fixed until 27/5/2020 75% Purchase: £300
Remortgage: £550
Booking fee: £300

A mortgage of £50,000 payable over 10 years initially on a fixed rate for 3 years and 1 month at 2.59% and then on our standard variable rate, currently 4.2% for the remaining 6 years and 11 months would require 37 monthly payments of £476.24 and 83 monthly payments of £502.67 plus one initial interest payment of £35.69.

The total amount payable would be £59,793.18 made up of the loan amount plus interest of £9,078.18 a booking fee of £300, an application fee of £300 and a MEAF of £115.

The overall cost for comparison is 3.7% APRC representative.

Fixed until 27 May 2020 - 90% LTV 3.75% Fixed Fixed until 27/5/2020 90% Purchase: £300
Remortgage: £550
Booking fee: £300

 A mortgage of £180,000 payable over 35 years initially on a fixed rate for 3 years at 3.75% and then on our standard variable rate, currently 4.2% for the remaining 32 years would require 36 monthly payments of £770.23 and 384 monthly payments of £815.63 plus one initial interest payment of £462.33.

The total amount payable would be £342,152.93 made up of the loan amount plus interest of £161,437.93, a booking fee of £300, an application fee of £300 and a MEAF of £115.


The overall cost for comparison is 4.2% APRC representative.

Fixed rate until 27 May 2020 - 95% LTV 4.45% Fixed Fixed until 27/5/2020 95% Purchase: £300
Booking fee: £300

A mortgage of £180,500 payable over 35 years initially on a fixed rate for 2 years and 11 months  at 4.45% and then on our standard variable rate, currently 4.2% for the remaining 32 years and 1 month would require 35 monthly payments of £848.65 and 385 monthly payments of £822.64 plus one initial interest payment of £110.03.

The total amount payable would be £347,244.18 made up of the loan amount plus interest of £166,029.18, a booking fee of £300, an application fee of £300 and a MEAF of £115.

The overall cost for comparison is 4.4% APRC representative.

Fixed rate until 27 May 2022 - 75% LTV 3.19% Fixed Fixed until 27/5/2022 75% Purchase: £300
Remortgage: £550
Booking fee: £300

A mortgage of £223,250 payable over 25 years initially on a fixed rate for 4 years and 11 months at 3.19% and then on our standard variable rate, currently 4.2% for the remaining 20 years and 1 month would require 59 monthly payments of £1,082.32 and 241 monthly payments of £1183.25 plus one initial interest payment of £19.54.

The total amount payable would be £349,454.67 made up of the loan amount plus interest of £125,489.67, a booking fee of £300, an application fee of £300 and a MEAF of £115.

The overall cost for comparison is 3.9% APRC representative.

Home Starter fixed rate until 27 May 2020 - 90% LTV 3.75% Fixed Fixed until 27/5/2020 90% Purchase: £300
Booking fee: £300

A mortgage of £156,000 payable over 35 years initially on a fixed rate for 2 years and 10 months at 3.75% and then on our standard variable rate, currently 4.2% for the remaining 32 years and 2 months would require 34 monthly payments of £488.44 and 386 monthly payments of £738.85 plus one initial interest payment of £144.52.

The total amount payable would be £302,362.58 made up of the loan amount plus interest of £145,647.58 and a booking fee of £300, an application fee of £300 and a MEAF of £115.

The overall cost for comparison is 4.2% APRC representative.

Home Starter fixed rate until 27 May 2020 - 95% LTV 4.45% Fixed Fixed until 27/5/2020 95% Purchase: £300
Booking fee: £300

A mortgage of £180,500 payable over 35 years initially on a fixed rate for 2 years and 11 months at 4.45% and then on our standard variable rate, currently 4.2% for the remaining 32 years and 1 month would require 35 monthly payments of £669.35 and 385 monthly payments of £854.30 plus one initial interest payment of £110.03.

The total amount payable would be £353,157.78 made up of the loan amount plus interest of £171,942.78 a booking fee of £300, an application fee of £300 and a MEAF of £115.

The overall cost for comparison is 4.4% APRC representative.

Help to Buy fixed rate until 27 May 2020 - 75% LTV 2.59% Fixed Fixed until 27/5/2020 75% Purchase: £300
Remortgage: £550
Booking Fee: £300

A mortgage of £409,000 payable over 24 years initially on a fixed rate for 2 years and 5 months at 2.59% and then on our standard variable rate, currently 4.2% for the remaining 21 years and 7 months would require 29 monthly payments of £1,908.44 and 259 monthly payments of £2,223.94 plus one initial interest payment of £435.33.

The total amount payable would be £632,495.55 made up of the loan amount plus interest of £222,780.55, an application fee of £300, a booking fee of £300 and a MEAF of £115.

The overall cost for comparison is 3.9% APRC representative.

 

Help to Buy fixed rate until 27 May 2022 - 75% LTV 3.19% Fixed Fixed until 27/5/2022 75% Purchase: £300
Remortgage: £550
Booking Fee: £300

A mortgage of £100,000 payable over 30 years initially on a fixed rate for 5 years at 3.19% and then on our standard variable rate, currently 4.2% for the remaining 25 years would require 60 monthly payments of £431.92 and 300 monthly payments of £480.80 plus one initial interest payment of £227.23.

The total amount payable would be £171,097.43 made up of the loan amount plus interest of £70,382.43 an application fee of £300, a booking fee of £300 and a MEAF of £115.


The overall cost for comparison is 4.0% APRC representative.


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Newbury Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number 206077). Registered office: Newbury Building Society, 17 Bartholomew Street, Newbury, Berkshire, RG14 5LY.

English law applies and we will communicate with you in English. We are participants of the Financial Ombudsman Service. We have a complaints procedure which we will provide on request. Most complaints that we cannot resolve can be referred to the Financial Ombudsman Service.

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