Five Year Fixed Rate Ex-Pat
Interest Rates 

3.89%

Representing a Fixed Rate of 3.89% for the first five years, changing to our Residential Standard Variable Rate which is currently 5.74%

5.1% APRC

(The overall cost for comparison)

Main Features 

Available for: Purchase and Remortgage 

Min/Max Adv: £25,000/£1,500,000

Max Loan To Value: 90% for loans up to £1m (including arrangement fee), 80% for loans between £1m - £1.5m (including arrangement fee)

Arrangement Fee: £750 

Valuation Fee: Payable on application. See Valuation Fee leaflet

Application Fee: £125

Early Repayment Charge (ERC): 3% of the current balance in the first two years and 1% for the remaining three years (fee waived if applicant returns to UK within ERC period)

Overpayments: 10% of the advance amount can be repaid per annum for five years without incurring a charge. A 3% charge is due on any amount repaid that exceeds 10% per annum for the first two years and a 1% charge in the following three years.

Restrictions: This mortgage must be repaid on a capital & interest basis

Other Features: N/A

Please note that we will consider the following:

  • Guarantor mortgages (max 75% LTV)
  • Self-employed applicants with only 2 year's accounts (Max 75% LTV)
  • Joint borrower, sole proprietor
Representative Example

A mortgage of £243,184 payable over 20 years initially on a fixed rate for 5 years at 3.89% and then on our current Residential Standard Variable Rate of 5.74% (variable) for the remaining 15 years would require 60 monthly payments of £1,459.59 and 180 monthly payments of £1,649.84 plus one initial interest payment of £803.44.

The total amount payable would be £386,825.04 made up of the loan amount plus interest (£142,166.04) and Valuation Fee (£450), Arrangement Fee (£750) CHAPS Fee (£25)Application Fee (£125) and Discharge Fee (£125).

The overall cost for comparison is 5.1% APRC representative.

Additional Notes
  • This mortgage summary should be read in conjunction with the Terms and Conditions.
  • All Dudley Building Society mortgage products are subject to limited availability and may be withdrawn at the Society's discretion
  • Fees and rates may vary according to the individual case. Fees and rates will be confirmed upon application.

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