London 020 3040 4400

Mortgage Deal of the Month

Our choice for January’s Mortgage Deal of the Month is a 5 year fixed rate at 1.34%:

Initial Rate:

A fixed rate of 1.34% until 31/05/2026

This reverts to:

A variable rate which is 3.49% above the Bank of England base rate, currently 0.10%, giving a current rate payable of
3.59% for the remaining term of the mortgage

The overall cost for comparison is:

The APRC applicable to your loan is 2.8%

£999 arrangement fee


  • Available on residential loans up to 60% of the purchase price or valuation of the property, whichever is the lower.
  • Available for purchase and remortgage
  • The product is available for loans between £5,000 and £2,000,000
  • Early Repayment Charges (ERC) of 3% of the amount repaid until 31/05/2026

Information is correct as at 18th January

Representative example:

Representative Example: 3.8% APRC based on borrowing £400,000 over 25 years on 1.44% fixed until 30.06.21, giving 24 monthly payments of £1,592.46 followed by 274 payments of £2,119.62 on a variable rate (currently 4.24%). Total amount payable £622,541 including the following one off cost – £999 lender arrangement 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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