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Fixed rate (fixed until 28 February 2022) |
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|---|---|---|---|---|
| Maximum LTV | Initial fixed interest rate | Interest rate following the fixed interest term | The overall cost for comparison | Early repayment charge |
| 60% | 1.99% | 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% | 2.25% | 4.3% APRC | ||
| 80% | 2.32% | 4.3% APRC | ||
| 85% | 2.52% | 4.4% APRC | ||
| 90% | 2.88% | 4.4% APRC | ||
| 95%* | 3.60% | 4.5% APRC | ||
| See below for summary of additional information | ||||
Fixed rate (fixed until 28 February 2025) |
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|---|---|---|---|---|
| Maximum LTV | Initial fixed interest rate | Interest rate following the fixed interest term | The overall cost for comparison | Early repayment charge |
| 60% | 1.99% | The Bank's standard variable rate, currently 4.45% |
3.8% APRC | If the mortgage is repaid or reduced within the fixed rate period, an early repayment charge will apply. |
| 75% | 2.32% | 3.9% APRC | ||
| 80% | 2.32% | 3.9% APRC | ||
| 85% | 2.53% | 4.0% APRC | ||
| 90% | 2.53% | 4.0% APRC | ||
| 95%* | 4.40% | 4.7% APRC | ||
2 year variable rate 'Discount Freedom' |
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|---|---|---|---|---|---|
| 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 |
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|---|---|---|---|
| Maximum LTV | Variable interest rate | The overall cost for comparison | Early repayment charge |
75% |
4.45% |
4.7% APRC |
N/A |
Co-ownership |
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|---|---|---|---|---|---|
| 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 28 February 2022 | 2.25% | 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 28 February 2025 | 2.32% | 3.9% APRC | |||
Standard variable rate |
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|---|---|---|---|---|---|
| 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.
Need to talk to us?
You can contact us in a number of ways. Choose whatever suits you.
- Call our run-by desk on 028 9047 9100
- Email us
- Contact your Business Development Manager
Help and guidance
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.