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Call us on 01664 414141 between 9am and 6pm Monday to Friday and 9am and 12pm on Saturdays
Our mortgages are available through independent mortgage brokers across England and Wales

3.25% 3 Year Fixed Rate

melton fixed rate mortgages
Melton awards 2019

A fixed rate is ideal for customers wanting to plan ahead and budget better without any unwanted surprises.  This type of mortgage offers certainty and stability for those who prefer to budget for a fixed period of time.

Loan to Value (LTV) A fixed interest rate of 3.25% for 36 months Then changing to our SVR for rest of mortgage term, currently The overall cost for comparison is
95% 3.25% 4.99% 4.7% APRC
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Your home may be repossessed if you do not keep up repayments on your mortgage

Based on a £148,188 mortgage, secured by first charge on your main residential property, repaid on a repayment basis over a 30 year term: 36 monthly payments at a fixed rate of 3.19%, (£649.28) £23,374.08. 324 monthly payments at standard variable rate (currently 4.99%), (£787.02) £254,994.48. Valuation fee on property of £157,040, payable when you apply £240 (scale applies). Telegraphic Transfer fee payable when you apply £25. Solicitors fees payable to your conveyancer (estimated) £360. Mortgage Discharge Fee payable at the end of your mortgage £150. Total Amount Payable £279,143.56.

Terms

  • Maximum LTV is 95%.  LTV restrictions apply in London.
  • An Early Repayment Charge applies if overpayments exceed 10% within 3 years of completion: 3% during 1st year; 2% during 2nd year; 1% during 3rd year
  • Other lending criteria may apply – details available on request.

Additional features

  • No Application Fee or Completion Fee
  • £250 Cashback payable at the time of legal completion
  • Make overpayments of 10% of the current balance each year without incurring early repayment charges
  • The Society will pay the higher lending charge up to a maximum of 95% LTV
  • This mortgage is fully portable if the property is sold within the scheme period (terms apply).

Product Code: FIX 082

Working out your mortgage budget

It’s a good idea to know approximately how much you’ll have to spend before you start house hunting. The Melton’s mortgage advisors will help work out an affordability budget with you to give you an indication of how much you may be able to borrow.

Saving for your deposit

Opening a savings account can be a good way to save up for your deposit. Take a look at our range of savings accounts.

Finding your first home

Make friends with the agents. Calling and visiting your estate agents regularly will help ensure you’re the first to know when a hot new property hits the market.
Put aside a whole day, and do a number of viewings (six is the suggested maximum). Go on a weekday if you can – estate agents will give you more time than at the weekend.
Take your own pictures. These are much more useful than glossy agents’ shots. Film your visits on your phone, too. That way, you have something to refer back to.

We’re also here to help with:

Home insurance

We offer competitive buildings and contents insurance in partnership with Uinsure. Find out more.

TO FIND OUT MORE ABOUT OUR MORTGAGES PLEASE CONTACT AN INDEPENDENT MORTGAGE BROKER

You can find details of financial advice specialists by visiting www.unbiased.co.uk or the Financial Conduct Authority’s register of authorised mortgage advisors by visiting https://register.fca.org.uk

Click here to view our handy guides Mortgage Finder - Compare our mortgage products and monthly payments