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Mortgage Deal of the Month

Our choice for December’s Mortgage Deal of the Month is a market leading 5 Year Fixed rate mortgage at 60% Loan to Value (LTV)

Initial Rate:

A rate of 1.79% until 31/01/2024

This reverts to:

Skipton Building Society’s Residential Mortgage Variable Rate, currently 4.99%, for the remaining term of the mortgage

The overall cost for comparison is:

3.8% APRC

Arrangement and booking fee:


  • Available on residential loans up to 60% of the purchase price or valuation of the property, whichever is the lower.
  • Flexible Features – Portable, Overpayments, Payment holidays available.
  • Available for purchase and remortgage.
  • The product is available up to a loan of £300,000.00
  • An Early Repayment Charge (ERC) of 5.00% of loan amount until 31/01/2021, 4.00% of loan amount until 31/01/2022, 3.00% of loan amount until 31/01/2023, 2.00% of loan amount until 31/01/2024.

Information is correct as at 5th December 2018.

Representative example:

3.6% APRC based on borrowing £400,000 over 25 years on 1.29% fixed for 24 months, giving 24 monthly payments of £1,564.56 followed by 276 payments of £2,069.74 on a variable rate (currently 3.99%).  Total amount payable £609,056 including the following one off costs – £999 lender arrangement fee and £20 remittance fee.

Springtide Capital Limited is authorised and regulated by the Financial Conduct Authority.

Important Legal Information
There may be a fee for mortgage advice. The precise amount will depend upon your circumstances and loan amount. The FCA does not regulate most buy-to-let, second charge or commercial mortgages. The Financial Ombudsman Service is available at or by contacting them on 0800 023 4 567. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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