Three Year Fixed Rate Mortgage

Interest Rates
3.99% Representing a Fixed Rate of 3.99% for the first three years, changing to our standard variable rate which is currently 4.99%
5.0% APRC (The overall cost for comparison)
Main Features
Available for: Purchase & Remortgage
Min/Max Adv £25,000/£1,000,000
Max Loan To Value: 75% (including arrangement fee)
Arrangement Fee: 1.00% (If the arrangement fee is added to the loan; the Loan to Value must not exceed 75%)
Valuation Fee: Payable on application. See Valuation Fee leaflet
Early Repayment Charge (ERC): 3% in the first three years
Overpayments: 10% of the advance amount can be repaid per annum for the first three years without incurring a charge. A 3% charge is due on any amount repaid that exceeds 10% per annum.

This mortgage must be repaid on an interest only basis

Other Features: n/a
Representative Example

A mortgage of £34,000 payable over 14 years and 7 months initially on a fixed rate for 3 years at 3.99% and then on our current Standard Variable Rate of 4.99% (variable) for the remaining 11 years and 7 months would require 36 monthly payments of £113.05 and 139 monthly payments of £141.38 plus one initial interest payment of £115.22.

The total amount payable would be £58,611.84 made up of the loan amount plus interest (£23,836.84) and Arrangement Fee (£340), Valuation fee (£160), CHAPS fee (£25), Application Fee (£125) and Discharge fee (£125).

The overall cost for comparison is 5.0% APRC representative.


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  • All Dudley Building Society mortgage products are subject to limited availability and may be withdrawn at the Society's discretion.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

Principal Office
7 Harbour Buildings, The Waterfront
Brierley Hill, West Midlands, DY5 1LN
Tel: 01384 231414
Fax: 01384 233250

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The Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and is a member of the Building Societies Association. Financial services complaints we cannot settle may be referred to the Financial Ombudsman Service. This site is intended for UK residents only. Our Financial Services Register number is 161294. You can check this number by visiting the FCA Website or by contacting the FCA on 0800 111 6768