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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.
- 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 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 could 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.
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