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 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  • All Dudley Building Society mortgage products are subject to limited availability and may be withdrawn at the Society's discretion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.