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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
 

Mortgage Interest Rates for existing St. James's Place Bank mortgage clients

St. James's Place Bank no longer offers mortgages to new clients.

Tell me more about offset mortgages

Offset Mortgages

Offsetting can be a great way to use your money effectively.

Offset Tracker Mortgages

With our offset tracker rate mortgages, your interest rate tracks changes to the Bank of England's (B.o.E) base rate for a set period.

Product
name
Max loan to value Initial rate     Then changing for the remainder of the term to The overall
cost for
comparison is
Home Purchase Offset Tracker 75 until 1 May 2016 (BOE + 3.04%) 75%
LTV
3.54% currently.
Tracks 3.04% above the BoE's base rate until 01.05.16
2.50% currently.
(our offset variable mortgage rate)
3.2%
APR
Arrangement fee: £999  |   Early repayment charges - 3.00% until 01.05.15, 2.00% until 01.05.16 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.

Offset Fixed Rate Mortgages

With our fixed rate mortgage, you have the assurance of knowing your interest rate will stay the same for a set period.

Product
name
Max loan to value Initial rate     Then changing for the remainder of the term to The overall
cost for
comparison is
Offset fixed 75 until 1 May 2016 75%
LTV
4.79%
fixed until 01.05.16
2.50% currently.
(our offset variable mortgage rate)
3.5%
APR
Arrangement fee: £999  |   Early repayment charges - 3.00% until 01.05.15, 2.00% until 01.05.16 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.

Mortgage Fees and Charges

If you apply for a mortgage, the interest rates and any applicable charges will be set out in both the Key Facts Illustration and your mortgage offer.

Item Charge
Mortgage re-inspection fee £70.00
Copy mortgage statements £15.00
When it becomes necessary to instruct solicitors to collect missed payments £100.00
Mortgage Discharge Fee* (only payable if mortgage repaid early)
Consenting to the transfer of the mortgaged property £160.00

* If we charge a Mortgage Discharge Fee, we will tell you the amount of the fee and whether it is variable in your most recently accepted mortgage offer or mortgage product transfer offer. The amount of the fee, if applicable, will also be shown in your Annual Mortgage Statement and in any Amount Owing Statement we issue. We will also tell you the amount of the fee at any time you ask us to.

You must also meet other additional costs we incur. These costs include (but are not limited to) some or all of the following work, which may be done by third parties on our behalf for example:

  • Field Agent costs – a Field Agent is a third party who will make a visit to the property to discuss your financial circumstances on behalf of the bank
  • Solicitor’s costs – individual to each case
  • Court fees

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