Five Year Fixed Rate Ex-Pat
Interest Rates 


Representing a Fixed Rate of 3.89% for the first five years, changing to our Residential Standard Variable Rate which is currently 4.99%

4.8% 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: 80% (including arrangement fee) 

Arrangement Fee: £750 (If the arrangement fee is added to the loan; the Loan to Value must not exceed 80%) 

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 is due on any amount that exceeds 10% per annum for the remaining three years

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

Other Features: N/A

Representative Example

A mortgage of £144,750 payable over 35 years initially on a fixed rate for 5 years at 3.89% and then on our current Residential Standard Variable Rate of 4.99% (variable) for the remaining 30 years would require 60 monthly payments of £631.40 and 360 monthly payments of £718.66 plus one initial interest payment of £478.23.

The total amount payable would be £298,344.83 made up of the loan amount plus interest (£152,329.83) and Valuation Fee (£240), Arrangement Fee (£750) CHAPS Fee (£25)Application Fee (£125) and Discharge Fee (£125).

The overall cost for comparison is 4.8% 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  • All Dudley Building Society mortgage products are subject to limited availability and may be withdrawn at the Society's discretion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.