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Home – Flex Plus – 2 Year Fixed (FPO2YRF80)

Flex Plus – 2 Year Fixed

FPF9 With effect from 21 July 2025

Initial Interest Rate
i

Fixed for 2 years from date of completion.

6.15% fixed
Max Loan to Value (LTV)
i

Maximum loan to value available:

80%
Product Fees
i
Application fee
Free
Completion fee
£800 (non-refundable)
£800 (non-refundable)
Overall Cost for Comparison
i

The overall cost for comparison

7.1% APRC representative

Please note your home may be repossessed if you do not keep up repayments on your mortgage

Monthly repayments calculator

Whether you’re looking for residential or buy-to-let products, use our helpful calculators to pre-determine the likely status of your application.

Repayments Calculator

Fee information

Application fee
Free
Completion fee
£800 (non-refundable)
This fee can be paid before the start of the mortgage or you can elect to add this to the mortgage loan and it will be deducted from the mortgage advance on completion. By electing to add fees to the loan, you will pay interest on them at the same interest rate as your mortgage throughout the mortgage term and this will affect interest charges and payment calculations. If preferred, fees that have been added to the loan may be repaid by a separate capital payment at any time after the start of the mortgage and this will result in lower monthly payments and reduced interest charges.
Valuation fee
Please see the table at the link for details of the applicable fee.
Fees reference table
Early repayment charge
During year 1: 2% of the amount repaid early plus fees During year 2: 1% of the amount repaid early plus fees
This charge is calculated as a percentage of the amount repaid early, excluding any arrears of interest, or other charges. The early repayment charge is payable if you repay any amount in excess of 10% of the mortgage balance in any one year.
Overpayments
Overpayments of up to 10% per year may be made without incurring the early repayment charge.
Mortgage exit admin fee
£125 (non-refundable)

Representative Example

A Mortgage of
A mortgage of £233,800 (a loan of £233,000 plus a completion fee of £800 added to the loan)
Payable term
Payable over 29 years
Initial rate and term
Initially on a fixed rate for 2 years of 6.15%
Followed by
Our Homeowner Variable Rate of 7.04% for the remaining 27 years
Monthly payments
24 payments of £1,441.59 followed by 324 payments of £1,571.42
Total amount payable
The total amount payable would be £544,403.24 made up of the loan amount plus interest (£309,938.24) plus the fees below
Arrangement fee
Free
Mortgage exit administration fee
£125 (non-refundable)
Valuation fee
£290
Cost for comparison

Advice about letting your property

Buying a rental property is very different from buying a home to live in. It is strongly recommended that you take advice about purchasing property to let or on letting property you already own from an accredited body such as:

  • National Residential Landlords Association
  • Propertymark

Further guidance and information is also available on the governments Money Helper Website

Scroll down to start your application

Applying for an account

Our team are here to help you through every step of your mortgage application process. We know it may seem daunting, especially if this is your first time, but pick up the phone and speak to one of our advisors and they’ll lay out the process step-by-step.

Get the help you need, from creating an account, deposits, withdrawals.

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