Fixed rate (fixed until 30 November 2021)
Maximum LTV Initial fixed interest rate Interest rate following the fixed interest term The overall cost for comparison Early repayment charge
60% 2.32%

The Bank's standard variable rate, currently

4.45%

 4.3% APRC If the mortgage is repaid or reduced within the fixed rate period, an early repayment charge will apply.
75% 2.40% 4.3% APRC
80% 2.40% 4.3% APRC
85% 2.65% 4.4% APRC
90% 2.95% 4.4% APRC
95%* 3.40% 4.5% APRC
See below for summary of additional information

Fixed rate (fixed until 30 November 2024)
Maximum LTV Initial fixed interest rate Interest rate following the fixed interest term The overall cost for comparison Early repayment charge
60% 2.35%

The Bank's standard variable rate, currently

4.45%

 3.9% APRC If the mortgage is repaid or reduced within the fixed rate period, an early repayment charge will apply.
75% 2.40% 3.9% APRC
80% 2.40% 3.9% APRC
85% 2.65% 4.0% APRC
90% 2.69% 4.0% APRC
95%* 4.40% 4.7% APRC

See below for summary of additional information

2 year variable rate 'Discount Freedom'
Maximum LTV Initial variable interest rate Differential to our Standard Variable Rate Interest rate following the discounted interest term The overall cost for comparison Early repayment charge
60% 2.09% -2.36%

The Bank's standard variable rate, currently

4.45%

 4.3% APRC

 

N/A
75% 2.44% -2.01% 4.3% APRC
80% 2.44% -2.01% 4.3% APRC
85% 3.05% -1.40% 4.4% APRC
90% 3.14% -1.31% 4.5% APRC
95%* 4.45% N/a 4.7% APRC
See below for summary of additional information

Self-Build Low Start Product
Maximum LTV Variable interest rate The overall cost for  comparison Early repayment charge 

75%

4.45%

4.7% APRC

N/A

Co-ownership
Product Initial fixed interest rate Interest rate following the fixed interest term The overall cost for comparison Early repayment charge Cashback
2 year fixed for co-ownership until 30 November 2021 2.32% The Bank's standard variable rate, currently 4.45% 4.3% APRC If the mortgage is repaid or reduced within the fixed rate period, an early repayment charge will apply. N/A
5 year fixed for co-ownership until 30 November 2024 2.35% 3.9% APRC

Standard variable rate
Maximum LTV Variable interest rate The overall cost for comparison Early repayment charge
95%* 4.45% 4.7% APRC N/A
See below for summary of additional information
This information is intended for intermediary use only and is not intended nor has it been approved as a qualifying credit promotion.
 

Summary of additional information

 

  • *95% maximum LTV above applies to property values of up to £250,000. The maximum LTV for properties valued between £250,000 and £750,000 is 90%. The maximum LTV for properties over £750,000 is 80%.
  • Up to £1500 Cashback click here for more details.
  • Free valuation for switchers and first time buyers.

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Our Criteria

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Mortgage Fees & Charges

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Frequently Asked Questions

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Important information

 

First Trust Bank reserves the right to withdraw or amend products at any time. Loans are granted subject to an appraisal of the applicant's financial standing. Applicants must be 18yrs or over. Minimum mortgage amount £25,000 (exceptions apply – Co-ownership minimum amount £75,000). Lending criteria, terms and conditions apply. An independent valuation will be required. The mortgage will be secured against the mortgaged property. Primary residence only.

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