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Ipswich Building Society Mortgages

Ipswich Building Society Mortgages

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Ipswich BS 2 Year Discounted Variable

Initial Rate
2.25% Discounted Variable for 2 years (2.99% disc)
APRC
4.10%
Product Fee
£1,198
Monthly Repayment
£654.20

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Lender:
Ipswich BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£75,000
Max Loan:
£750,000
Product Description:
2.25% Discounted Variable for 2 years (2.99% disc)
Incentives:
Free valuation fees for properties valued Max £1M
free legal fees

Ongoing Monthly Payments:
£654.20 x 24
Total Amount Payable:
£250,983.72
Total Interest Payable:
£99,690.72
Valuation Fee:
Free
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 1% Mortgage Advance

Ipswich BS 2 Year Discounted Variable

Initial Rate
2.25% Discounted Variable for 2 years (2.99% disc)
APRC
4.10%
Product Fee
£1,198
Monthly Repayment
£654.20

Continue on Fluent Mortgages' website + More info

Lender:
Ipswich BS
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
0%
Min Loan:
£75,000
Max Loan:
£750,000
Product Description:
2.25% Discounted Variable for 2 years (2.99% disc)
Incentives:

Ongoing Monthly Payments:
£654.20 x 24
Total Amount Payable:
£251,943.72
Total Interest Payable:
£99,690.72
Valuation Fee:
£160
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 1% Mortgage Advance

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Ipswich BS 2 Year Fixed

Initial Rate
2.45% Fixed to 31/01/2024
APRC
4.20%
Product Fee
£1,198
Monthly Repayment
£669.15

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Lender:
Ipswich BS
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
0%
Min Loan:
£75,000
Max Loan:
£750,000
Product Description:
2.45% Fixed to 31/01/2024
Incentives:

Initial Monthly Repayment:
£669.15 x 27
Ongoing Monthly Payments:
£744.17 x 39
Total Amount Payable:
£250,872.84
Total Interest Payable:
£98,619.84
Valuation Fee:
£160
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/1/24: 3% Mortgage Advance

Representative example

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 27 months at 2.45%, reverting to 3.50% variable for 39 months and 5.24% variable for remaining term. 27 monthly payments of £669.15, 39 monthly payments of £744.17, and 234 monthly payments of £861.24. The total amount payable would be £250,122.84 made up of the loan amount, interest £98,619.84 and a product fee £1,198 and valuation fee £160. The overall cost for comparison is 4.20% APRC representative.

Ipswich BS 2 Year Fixed

Initial Rate
2.45% Fixed to 31/01/2024
APRC
4.20%
Product Fee
£1,198
Monthly Repayment
£669.15

Continue on Fluent Mortgages' website + More info

Lender:
Ipswich BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£75,000
Max Loan:
£750,000
Product Description:
2.45% Fixed to 31/01/2024
Incentives:
Free valuation fees for properties valued Max £1M
free legal fees

Initial Monthly Repayment:
£669.15 x 27
Ongoing Monthly Payments:
£744.17 x 39
Total Amount Payable:
£249,912.84
Total Interest Payable:
£98,619.84
Valuation Fee:
Free
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/1/24: 3% Mortgage Advance

Representative example

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 27 months at 2.45%, reverting to 3.50% variable for 39 months and 5.24% variable for remaining term. 27 monthly payments of £669.15, 39 monthly payments of £744.17, and 234 monthly payments of £861.24. The total amount payable would be £250,152.84 made up of the loan amount, interest £98,619.84 and a product fee £1,198 and valuation fee £0. The overall cost for comparison is 4.20% APRC representative.

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Ipswich BS 2 Year Discounted Variable

Initial Rate
2.65% Discounted Variable for 2 years (2.59% disc)
APRC
4.20%
Product Fee
£1,198
Monthly Repayment
£684.31

Continue on Fluent Mortgages' website + More info

Lender:
Ipswich BS
Max First Time Buyer LTV:
90%
Max House Purchase LTV:
90%
Max Remortgage LTV:
0%
Min Loan:
£75,000
Max Loan:
£500,000
Product Description:
2.65% Discounted Variable for 2 years (2.59% disc)
Incentives:

Ongoing Monthly Payments:
£684.31 x 24
Total Amount Payable:
£253,422.36
Total Interest Payable:
£101,169.36
Valuation Fee:
£160
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 1% Mortgage Advance

Ipswich BS 2 Year Discounted Variable

Initial Rate
2.65% Discounted Variable for 2 years (2.59% disc)
APRC
4.20%
Product Fee
£1,198
Monthly Repayment
£684.31

Continue on Fluent Mortgages' website + More info

Lender:
Ipswich BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
90%
Min Loan:
£75,000
Max Loan:
£500,000
Product Description:
2.65% Discounted Variable for 2 years (2.59% disc)
Incentives:
Free valuation fees for properties valued Max £1M
free legal fees

Ongoing Monthly Payments:
£684.31 x 24
Total Amount Payable:
£252,462.36
Total Interest Payable:
£101,169.36
Valuation Fee:
Free
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 1% Mortgage Advance

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Ipswich BS 2 Year Discounted Variable

Initial Rate
2.70% Discounted Variable for 2 years (2.54% disc)
APRC
4.60%
Product Fee
£1,198
Monthly Repayment
£688.13

Continue on Fluent Mortgages' website + More info

Lender:
Ipswich BS
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
0%
Min Loan:
£75,000
Max Loan:
£750,000
Product Description:
2.70% Discounted Variable for 2 years (2.54% disc)
Incentives:

Ongoing Monthly Payments:
£688.13 x 24
Total Amount Payable:
£253,606.08
Total Interest Payable:
£101,353.08
Valuation Fee:
£160
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 1% Mortgage Advance

Ipswich BS 2 Year Discounted Variable

Initial Rate
2.70% Discounted Variable for 2 years (2.54% disc)
APRC
4.60%
Product Fee
£1,198
Monthly Repayment
£688.13

Continue on Fluent Mortgages' website + More info

Lender:
Ipswich BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£75,000
Max Loan:
£750,000
Product Description:
2.70% Discounted Variable for 2 years (2.54% disc)
Incentives:
Free valuation fees for properties valued Max £1M
free legal fees

Ongoing Monthly Payments:
£688.13 x 24
Total Amount Payable:
£252,646.08
Total Interest Payable:
£101,353.08
Valuation Fee:
Free
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 2 yrs: 1% Mortgage Advance

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Ipswich BS 2 Year Fixed

Initial Rate
2.80% Fixed to 31/01/2024
APRC
4.30%
Product Fee
£1,198
Monthly Repayment
£695.81

Continue on Fluent Mortgages' website + More info

Lender:
Ipswich BS
Max First Time Buyer LTV:
90%
Max House Purchase LTV:
90%
Max Remortgage LTV:
0%
Min Loan:
£75,000
Max Loan:
£500,000
Product Description:
2.80% Fixed to 31/01/2024
Incentives:

Initial Monthly Repayment:
£695.81 x 27
Ongoing Monthly Payments:
£746.50 x 39
Total Amount Payable:
£252,310.65
Total Interest Payable:
£100,057.65
Valuation Fee:
£160
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/1/24: 3% Mortgage Advance

Representative example

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 27 months at 2.80%, reverting to 3.50% variable for 39 months and 5.24% variable for remaining term. 27 monthly payments of £695.81, 39 monthly payments of £746.50, and 234 monthly payments of £863.92. The total amount payable would be £251,560.65 made up of the loan amount, interest £100,057.65 and a product fee £1,198 and valuation fee £160. The overall cost for comparison is 4.30% APRC representative.

Ipswich BS 2 Year Fixed

Initial Rate
2.80% Fixed to 31/01/2024
APRC
4.30%
Product Fee
£1,198
Monthly Repayment
£695.81

Continue on Fluent Mortgages' website + More info

Lender:
Ipswich BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
90%
Min Loan:
£75,000
Max Loan:
£500,000
Product Description:
2.80% Fixed to 31/01/2024
Incentives:
Free valuation fees for properties valued Max £1M
free legal fees

Initial Monthly Repayment:
£695.81 x 27
Ongoing Monthly Payments:
£746.50 x 39
Total Amount Payable:
£251,350.65
Total Interest Payable:
£100,057.65
Valuation Fee:
Free
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/1/24: 3% Mortgage Advance

Representative example

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 27 months at 2.80%, reverting to 3.50% variable for 39 months and 5.24% variable for remaining term. 27 monthly payments of £695.81, 39 monthly payments of £746.50, and 234 monthly payments of £863.92. The total amount payable would be £251,590.65 made up of the loan amount, interest £100,057.65 and a product fee £1,198 and valuation fee £0. The overall cost for comparison is 4.30% APRC representative.

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Ipswich BS 5 Year Fixed

Initial Rate
2.85% Fixed for 5 years
APRC
4.30%
Product Fee
£1,198
Monthly Repayment
£699.67

Continue on Fluent Mortgages' website + More info

Lender:
Ipswich BS
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
0%
Min Loan:
£75,000
Max Loan:
£750,000
Product Description:
2.85% Fixed for 5 years
Incentives:

Initial Monthly Repayment:
£699.67 x 60
Ongoing Monthly Payments:
£861.01 x 240
Total Amount Payable:
£250,875.60
Total Interest Payable:
£98,622.60
Valuation Fee:
£160
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 5 yrs: 5% Mortgage Advance

Ipswich BS 5 Year Fixed

Initial Rate
2.85% Fixed for 5 years
APRC
4.30%
Product Fee
£1,198
Monthly Repayment
£699.67

Continue on Fluent Mortgages' website + More info

Lender:
Ipswich BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£75,000
Max Loan:
£750,000
Product Description:
2.85% Fixed for 5 years
Incentives:
Free valuation fees for properties valued Max £1M
free legal fees

Initial Monthly Repayment:
£699.67 x 60
Ongoing Monthly Payments:
£861.01 x 240
Total Amount Payable:
£249,915.60
Total Interest Payable:
£98,622.60
Valuation Fee:
Free
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 5 yrs: 5% Mortgage Advance

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Ipswich BS 3 Year Fixed

Initial Rate
2.90% Fixed to 31/01/2025
APRC
4.30%
Product Fee
£1,198
Monthly Repayment
£703.54

Continue on Fluent Mortgages' website + More info

Lender:
Ipswich BS
Max First Time Buyer LTV:
90%
Max House Purchase LTV:
90%
Max Remortgage LTV:
0%
Min Loan:
£75,000
Max Loan:
£500,000
Product Description:
2.90% Fixed to 31/01/2025
Incentives:

Initial Monthly Repayment:
£703.54 x 39
Ongoing Monthly Payments:
£745.44 x 27
Total Amount Payable:
£251,689.74
Total Interest Payable:
£99,436.74
Valuation Fee:
£160
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/1/25: 3% Mortgage Advance

Representative example

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 39 months at 2.90%, reverting to 3.50% variable for 27 months and 5.24% variable for remaining term. 39 monthly payments of £703.54, 27 monthly payments of £745.44, and 234 monthly payments of £862.70. The total amount payable would be £250,939.74 made up of the loan amount, interest £99,436.74 and a product fee £1,198 and valuation fee £160. The overall cost for comparison is 4.30% APRC representative.

Ipswich BS 3 Year Fixed

Initial Rate
2.90% Fixed to 31/01/2025
APRC
4.30%
Product Fee
£1,198
Monthly Repayment
£703.54

Continue on Fluent Mortgages' website + More info

Lender:
Ipswich BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
90%
Min Loan:
£75,000
Max Loan:
£500,000
Product Description:
2.90% Fixed to 31/01/2025
Incentives:
Free valuation fees for properties valued Max £1M
free legal fees

Initial Monthly Repayment:
£703.54 x 39
Ongoing Monthly Payments:
£745.44 x 27
Total Amount Payable:
£250,729.74
Total Interest Payable:
£99,436.74
Valuation Fee:
Free
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/1/25: 3% Mortgage Advance

Representative example

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 39 months at 2.90%, reverting to 3.50% variable for 27 months and 5.24% variable for remaining term. 39 monthly payments of £703.54, 27 monthly payments of £745.44, and 234 monthly payments of £862.70. The total amount payable would be £250,969.74 made up of the loan amount, interest £99,436.74 and a product fee £1,198 and valuation fee £0. The overall cost for comparison is 4.30% APRC representative.

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Ipswich BS 2 Year Fixed

Initial Rate
2.99% Fixed to 31/01/2024
APRC
4.70%
Product Fee
£1,198
Monthly Repayment
£710.54

Continue on Fluent Mortgages' website + More info

Lender:
Ipswich BS
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
0%
Min Loan:
£75,000
Max Loan:
£750,000
Product Description:
2.99% Fixed to 31/01/2024
Incentives:

Initial Monthly Repayment:
£710.54 x 27
Ongoing Monthly Payments:
£747.73 x 39
Total Amount Payable:
£253,090.95
Total Interest Payable:
£100,837.95
Valuation Fee:
£160
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/1/24: 3% Mortgage Advance

Representative example

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 27 months at 2.99%, reverting to 3.50% variable for 39 months and 5.24% variable for remaining term. 27 monthly payments of £710.54, 39 monthly payments of £747.73, and 234 monthly payments of £865.35. The total amount payable would be £252,340.95 made up of the loan amount, interest £100,837.95 and a product fee £1,198 and valuation fee £160. The overall cost for comparison is 4.70% APRC representative.

Ipswich BS 2 Year Fixed

Initial Rate
2.99% Fixed to 31/01/2024
APRC
4.70%
Product Fee
£1,198
Monthly Repayment
£710.54

Continue on Fluent Mortgages' website + More info

Lender:
Ipswich BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£75,000
Max Loan:
£750,000
Product Description:
2.99% Fixed to 31/01/2024
Incentives:
Free valuation fees for properties valued Max £1M
free legal fees

Initial Monthly Repayment:
£710.54 x 27
Ongoing Monthly Payments:
£747.73 x 39
Total Amount Payable:
£252,130.95
Total Interest Payable:
£100,837.95
Valuation Fee:
Free
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 31/1/24: 3% Mortgage Advance

Representative example

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 27 months at 2.99%, reverting to 3.50% variable for 39 months and 5.24% variable for remaining term. 27 monthly payments of £710.54, 39 monthly payments of £747.73, and 234 monthly payments of £865.35. The total amount payable would be £252,370.95 made up of the loan amount, interest £100,837.95 and a product fee £1,198 and valuation fee £0. The overall cost for comparison is 4.70% APRC representative.

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Ipswich BS 5 Year Fixed

Initial Rate
3.09% Fixed for 5 years
APRC
4.40%
Product Fee
£1,198
Monthly Repayment
£718.36

Continue on Fluent Mortgages' website + More info

Lender:
Ipswich BS
Max First Time Buyer LTV:
90%
Max House Purchase LTV:
90%
Max Remortgage LTV:
0%
Min Loan:
£75,000
Max Loan:
£500,000
Product Description:
3.09% Fixed for 5 years
Incentives:

Initial Monthly Repayment:
£718.36 x 60
Ongoing Monthly Payments:
£865.05 x 240
Total Amount Payable:
£252,966.60
Total Interest Payable:
£100,713.60
Valuation Fee:
£160
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 5 yrs: 5% Mortgage Advance

Ipswich BS 5 Year Fixed

Initial Rate
3.09% Fixed for 5 years
APRC
4.40%
Product Fee
£1,198
Monthly Repayment
£718.36

Continue on Fluent Mortgages' website + More info

Lender:
Ipswich BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
90%
Min Loan:
£75,000
Max Loan:
£500,000
Product Description:
3.09% Fixed for 5 years
Incentives:
Free valuation fees for properties valued Max £1M
free legal fees

Initial Monthly Repayment:
£718.36 x 60
Ongoing Monthly Payments:
£865.05 x 240
Total Amount Payable:
£252,006.60
Total Interest Payable:
£100,713.60
Valuation Fee:
Free
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 5 yrs: 5% Mortgage Advance

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Ipswich BS 2 Year Fixed

Initial Rate
3.25% Fixed to 30/11/2023
APRC
4.50%
Product Fee
£0
Monthly Repayment
£730.97

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Lender:
Ipswich BS
Max First Time Buyer LTV:
90%
Max House Purchase LTV:
90%
Max Remortgage LTV:
0%
Min Loan:
£75,000
Max Loan:
£500,000
Product Description:
3.25% Fixed to 30/11/2023
Incentives:
Free valuation fees
free valuation admin fees
No arrangement fees

Initial Monthly Repayment:
£730.97 x 25
Ongoing Monthly Payments:
£749.50 x 39
Total Amount Payable:
£253,318.55
Total Interest Payable:
£102,423.55
Valuation Fee:
Free
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 30/11/23: 3% Mortgage Advance

Representative example

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 25 months at 3.25%, reverting to 3.50% variable for 39 months and 5.24% variable for remaining term. 25 monthly payments of £730.97, 39 monthly payments of £749.50, and 236 monthly payments of £868.30. The total amount payable would be £252,568.55 made up of the loan amount, interest £102,423.55 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.50% APRC representative.

Ipswich BS 2 Year Fixed

Initial Rate
3.25% Fixed to 30/11/2023
APRC
4.50%
Product Fee
£0
Monthly Repayment
£730.97

Continue on Fluent Mortgages' website + More info

Lender:
Ipswich BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
90%
Min Loan:
£75,000
Max Loan:
£500,000
Product Description:
3.25% Fixed to 30/11/2023
Incentives:
Free valuation fees
free valuation admin fees
No arrangement fees

Initial Monthly Repayment:
£730.97 x 25
Ongoing Monthly Payments:
£749.50 x 39
Total Amount Payable:
£252,918.55
Total Interest Payable:
£102,423.55
Valuation Fee:
Free
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 30/11/23: 3% Mortgage Advance

Representative example

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 25 months at 3.25%, reverting to 3.50% variable for 39 months and 5.24% variable for remaining term. 25 monthly payments of £730.97, 39 monthly payments of £749.50, and 236 monthly payments of £868.30. The total amount payable would be £252,758.55 made up of the loan amount, interest £102,423.55 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.50% APRC representative.

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Ipswich BS 5 Year Fixed

Initial Rate
3.25% Fixed for 5 years
APRC
4.70%
Product Fee
£1,198
Monthly Repayment
£730.97

Continue on Fluent Mortgages' website + More info

Lender:
Ipswich BS
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
0%
Min Loan:
£75,000
Max Loan:
£750,000
Product Description:
3.25% Fixed for 5 years
Incentives:

Initial Monthly Repayment:
£730.97 x 60
Ongoing Monthly Payments:
£867.70 x 240
Total Amount Payable:
£254,359.20
Total Interest Payable:
£102,106.20
Valuation Fee:
£160
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 5 yrs: 5% Mortgage Advance

Ipswich BS 5 Year Fixed

Initial Rate
3.25% Fixed for 5 years
APRC
4.70%
Product Fee
£1,198
Monthly Repayment
£730.97

Continue on Fluent Mortgages' website + More info

Lender:
Ipswich BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
80%
Min Loan:
£75,000
Max Loan:
£750,000
Product Description:
3.25% Fixed for 5 years
Incentives:
Free valuation fees for properties valued Max £1M
free legal fees

Initial Monthly Repayment:
£730.97 x 60
Ongoing Monthly Payments:
£867.70 x 240
Total Amount Payable:
£253,399.20
Total Interest Payable:
£102,106.20
Valuation Fee:
Free
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st 5 yrs: 5% Mortgage Advance

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Ipswich BS 2 Year Fixed

Initial Rate
3.74% Fixed to 30/11/2023
APRC
4.60%
Product Fee
£0
Monthly Repayment
£770.38

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Lender:
Ipswich BS
Max First Time Buyer LTV:
95%
Max House Purchase LTV:
95%
Max Remortgage LTV:
0%
Min Loan:
£75,000
Max Loan:
£500,000
Product Description:
3.74% Fixed to 30/11/2023
Incentives:
Free valuation fees
free valuation admin fees
No arrangement fees

Initial Monthly Repayment:
£770.38 x 25
Ongoing Monthly Payments:
£752.28 x 39
Total Amount Payable:
£255,174.50
Total Interest Payable:
£104,279.50
Valuation Fee:
Free
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 30/11/23: 3% Mortgage Advance

Representative example

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 25 months at 3.74%, reverting to 3.50% variable for 39 months and 5.24% variable for remaining term. 25 monthly payments of £770.38, 39 monthly payments of £752.28, and 236 monthly payments of £871.53. The total amount payable would be £254,424.50 made up of the loan amount, interest £104,279.50 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.60% APRC representative.

Ipswich BS 2 Year Fixed

Initial Rate
3.74% Fixed to 30/11/2023
APRC
4.60%
Product Fee
£0
Monthly Repayment
£770.38

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Lender:
Ipswich BS
Max First Time Buyer LTV:
0%
Max House Purchase LTV:
0%
Max Remortgage LTV:
95%
Min Loan:
£75,000
Max Loan:
£500,000
Product Description:
3.74% Fixed to 30/11/2023
Incentives:
Free valuation fees
free valuation admin fees
No arrangement fees

Initial Monthly Repayment:
£770.38 x 25
Ongoing Monthly Payments:
£752.28 x 39
Total Amount Payable:
£254,774.50
Total Interest Payable:
£104,279.50
Valuation Fee:
Free
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
to 30/11/23: 3% Mortgage Advance

Representative example

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 25 months at 3.74%, reverting to 3.50% variable for 39 months and 5.24% variable for remaining term. 25 monthly payments of £770.38, 39 monthly payments of £752.28, and 236 monthly payments of £871.53. The total amount payable would be £254,614.50 made up of the loan amount, interest £104,279.50 and a product fee £0 and valuation fee £0. The overall cost for comparison is 4.60% APRC representative.

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Ipswich BS 2 Year Discounted Variable

Initial Rate
3.89% Discounted Variable for 2 years (1.35% disc)
APRC
4.90%
Product Fee
£1,198
Monthly Repayment
£782.67

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Lender:
Ipswich BS
Max First Time Buyer LTV:
80%
Max House Purchase LTV:
80%
Max Remortgage LTV:
0%
Min Loan:
£75,000
Max Loan:
£1,000,000
Product Description:
3.89% Discounted Variable for 2 years (1.35% disc)
Incentives:

Ongoing Monthly Payments:
£782.67 x 24
Total Amount Payable:
£261,698.16
Total Interest Payable:
£109,445.16
Valuation Fee:
£160
Exit Admin Fee:
£95
Early Repayment Charge:
Yes
Early Repayment Charge Details:
1st yr: 2% Mortgage Advance

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Your home may be repossessed if you do not keep up repayments on your mortgage.

The mortgage data above was supplied by Moneyfacts Group Plc and is updated at the time of mortgage search. The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.

Our mortgage comparison service is partnered with Fluent Mortgages for selections made outside of our featured lenders. Featured lenders are firms with whom we have a direct commercial relationship.

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Last updated on 18 March 2021.

Ipswich Building Society FAQ

Who are Ipswich Building Society?

The Ipswich Building Society is a UK building society based in Ipswich. Formed in 1975 by the merger of Ipswich & District Building Society and Ipswich & Suffolk Building Society, it is a member of the Building Societies Association.

The society offers a range of savings and borrowing facilities.

What type of mortgage products does the society offer?

The Ipswich Building Society offers a range of mortgage products. Each may be suitable to you, depending on your financial circumstance and life stage.

They offer mortgages for:

First-time buyers
Later life borrowers
Self-builders
Self-employed
Long-term disabled
Divorcees
Help-to-Buy borrowers
Zero-hour contract workers
Expats
Standard borrowers

Their mortgage products include:

Variable Rate mortgages
Fixed rate mortgages
Remortgaging facilities
Later life mortgages
Self-employed mortgages
Buy-to-let mortgages
Holiday let mortgages
Shared ownership mortgages
Gifted deposit mortgages
Expat mortgages

What interest rates are available on their mortgages?

You can find the interest rates offered on their mortgages above in our Ipswich Building Society mortgage comparison table. You can also visit their official website to discover more about Ipswich Building Society’s mortgage lending criteria.

Our comparison table allows you to compare mortgages by interest rate, so you can identify a mortgage with a suitable rate for your financial circumstances.

When looking to choose a mortgage with the best rate, it’s worth knowing that the interest rate on your mortgage will change over time.

When it changes hinges on the type of mortgage you choose. The interest rate on a fixed rate mortgage will remain the same during the initial term. It will then switch onto to your lender’s standard variable rate (SVR), unless you choose to remortgage.

With variable rate and tracker mortgages, interest rates can change at any time. Variable rate mortgage interest rates change when a lender modifies their SVR, while tracker mortgage rates typically change when the Bank of England’s base rate rises or falls.

Ipswich Building Society mortgage reviews – what do their customers say?

You can find reviews for the Ipswich Building Society in a number of different places. Such as the financial services review platform Smart Money People or review site Trustpilot.

When comparing the market for a huge financial commitment such as a mortgage, it can be sensible to understand how an organisation’s customers rate their service. This can help you gauge whether you’ve found the right financial product for you.

Am I eligible for a mortgage?

There are some very basic entry requirements that each mortgage provider shares before they will be willing to consider lending to you.

Typically, mortgage lenders will want you to earn at least £25,000, either as a sole applicant or as part of a joint mortgage. Earning less than this figure could mean you will struggle to make the monthly repayments stipulated by your mortgage agreement. This is just one of the steps they will take, to mitigate their risk in lending to you.

Another method of lowering a lender’s risk is assessing your finances through a credit rating check, allowing them to take a deep dive into your debts and monthly spending habits.

Each provider has different lending requirements, so don’t be disheartened if you’ve been turned down for a mortgage by one provider. Just because you’ve been turned down once, or even multiple times, doesn’t mean you can’t secure a mortgage with another provider.

Services offered by this provider may change over time. Always check Ts&Cs.

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