Making a Fresh Start?
We recognise that life isn't always simple
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Fresh Start

We recognise that life isn’t always simple and when you’re making a fresh start following the breakdown of a relationship, re-locating for better prospects or have encountered unexpected life events, you might need a little help from your family to purchase your next home or even to remortgage your current home.

Our product is available, up to 100% loan to value, on a repayment basis for properties in mainland England and Wales. You can find more information and answers to some questions you may have here.

Fresh Start Mortgages

Variable Rate Mortgages
Product Initial rate Overall cost for
Max % LTV Completion fee Representative

3 Year Discount

3.34% 4.9% APRC 100% £499 View
for 36 months
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Representative example

A Mortgage of  £139,026.00, payable over 17 years and 4 months (208 months) initially on a discounted rate for 3 years (36 months) of 3.34% and then on our current standard variable rate of 5.34% for the remaining 14 years and 4 months (172 months) would require 36 monthly payments of £881.34 then 172 monthly payments of £1,002.67. The total amount payable would be £205,525.91 made up of the loan amount plus interest (£65,545.91) and a £200.00 valuation fee, £499.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.9% representative APRC.

How to apply...

The Loughborough mortgage service is tailored to each individual and offered on a fully advised basis where applicable. Our qualified advisers will spend time with you to understand your mortgage needs and financial circumstances before recommending the most suitable solution for you.

There are a number of ways you can arrange to talk to one of our friendly team of Advisers, choose what’s best for you: