Rate Bulletin - Santander For Intermediaries
Mortgage Range Want to know more? Visit santanderforintermediaries.co.uk Issue 27 The rates detailed are available to all new customers and existing mortgage customers moving home with effect from 17 December 2014 Key Changes NEW 60% LTV, 10 Year Fixed, Homebuyer & Remortgage, 3.44% with a £995 booking fee WITHDRAWN 95% LTV, Help to Buy: Mortgage Guarantee 2 Year Tracker, 5.24% (BBR +4.74%) with a £0 booking fee AMENDED 70% LTV, 3 Year Fixed, £995 booking fee, Homebuyer & Remortgage – Rate reduced from 2.69% to 2.54% 90% LTV, 5 Year Fixed, £0 booking fee, Homebuyer – Rate reduced from 4.99% to 4.45% The charge and benefit end dates, and completion deadlines, rolled on one month with new product codes issued on standard fixed rates. Aimed at Intermediaries and Investment Professionals only. Not for public distribution. Abbey's mortgage range - Page 1 of 10 Fixed rate mortgages 90% LTV products, the booking fee cannot be added to the loan. 2 year Fixed rate Maximum Loan to Value Initial Rate Differential to BBR APR Booking fee Completion deadline Minimum loan size Maximum loan size Early Repayment Charge Payable if you repay on Product Code or before 60% 1.84% n/a 4.4% £995 31 March 2015 £6,000 £1m 3% (+ benefit) 2 April 2017 M441R Remortgage Solution 70% 2.09% n/a 4.5% £995 30 June 2015 £1,000,001 £1.5m 3% 2 April 2017 M443V Homebuyer Free Valuation 70% 2.09% n/a 4.2% £995 30 April 2015 £1,000,001 £1.5m 3% (+ benefit) 2 April 2017 M443R Remortgage Solution 70% 2.59% n/a 4.5% £0 30 June 2015 £6,000 £550k 3% 2 April 2017 M442V Homebuyer Free Valuation 70% 2.59% n/a 4.2% £0 30 April 2015 £25,000 £550k 3% (+ benefit) 2 April 2017 M442R Remortgage Solution 75% 1.94% n/a 4.4% £995 30 June 2015 £6,000 £1m 3% 2 April 2017 M446V Homebuyer Free Valuation 75% 1.94% n/a 4.4% £995 30 April 2015 £6,000 £1m 3% (+ benefit) 2 April 2017 M446R Remortgage Solution 75% 2.79% n/a 4.5% £0 30 June 2015 £6,000 £550k 3% 2 April 2017 M445V Homebuyer Free Valuation 75% 2.79% n/a 4.3% £0 30 April 2015 £25,000 £550k 3% (+ benefit) 2 April 2017 M445R Remortgage Solution 80% 2.29% n/a 4.5% £995 30 June 2015 £6,000 £1m 3% 2 April 2017 M447V Homebuyer Free Valuation 80% 2.29% n/a 4.6% £995 30 April 2015 £6,000 £1m 3% (+ benefit) 2 April 2017 M447R Remortgage Solution 85% 2.74% n/a 4.6% £995 30 June 2015 £6,000 £750k 3% 2 April 2017 M448V Homebuyer Free Valuation 85% 2.74% n/a 4.6% £995 30 April 2015 £6,000 £750k 3% (+ benefit) 2 April 2017 M448R Remortgage Solution 85% 3.49% n/a 4.6% £0 30 June 2015 £6,000 £750k 3% 2 April 2017 M449V Homebuyer Free Valuation 85% 3.49% n/a 4.7% £0 30 April 2015 £25,000 £750k 3% (+ benefit) 2 April 2017 M449R Remortgage Solution 90% 3.99% n/a 4.7% £0 30 June 2015 £6,000 £500k 3% 2 April 2017 M450V Homebuyer Free Valuation Benefit package 2 year Fixed rate - Large Loans Maximum Loan to Value Initial Rate Differential to BBR APR Booking fee Completion deadline Minimum loan size Maximum loan size Early Repayment Charge 70% 2.39% n/a 4.4% £1,995 30 June 2015 £250,000 £2.5m 3% 2 April 2017 M444V Homebuyer Free Valuation 70% 2.39% n/a 4.4% £1,995 30 April 2015 £250,000 £2.5m 3% (+ benefit) 2 April 2017 M444R Remortgage Solution Product Code Key: C = Available to All customers R = Remortgage only Payable if you repay on Product Code Benefit package or before H = Movers and First Time Buyers only Abbey's mortgage range - Page 2 of 10 3 year Fixed rate Maximum Loan to Value Initial Rate Differential to BBR APR Booking fee Completion deadline Minimum loan size Maximum loan size Early Repayment Charge Payable if you repay on Product Code Benefit package or before 70% 2.54% n/a 4.3% £995 30 June 2015 £6,000 £1.5m 3% 2 April 2018 EA60V Homebuyer Free Valuation 70% 2.54% n/a 4.3% £995 30 April 2015 £6,000 £1.5m 3% (+ benefit) 2 April 2018 EA60R Remortgage Solution 75% 3.09% n/a 4.6% £995 30 June 2015 £6,000 £1m 3% 2 April 2018 EA61V Homebuyer Free Valuation 75% 3.09% n/a 4.5% £995 30 April 2015 £6,000 £1m 3% (+ benefit) 2 April 2018 EA61R Remortgage Solution 3 year Fixed rate - FTB only Maximum Loan to Value Initial Rate Differential to BBR APR Booking fee Completion deadline Minimum loan size Maximum loan size Early Repayment Charge Payable if you repay on Product Code Benefit package or before 90% 4.89% n/a 4.9% £0 30 June 2015 £6,000 £500k 3% Maximum Loan to Value Initial Rate Differential to BBR APR Booking fee Completion deadline Minimum loan size Maximum loan size Early Repayment Charge 70% 3.19% n/a 4.3% £0 30 June 2015 £6,000 £1m 5% 2 April 2020 KA71V Homebuyer Free Valuation 70% 3.19% n/a 4.1% £0 30 April 2015 £25,000 £1m 5% (+ benefit) 2 April 2020 KA71R Remortgage Solution 75% 2.89% n/a 4.2% £995 30 June 2015 £6,000 £1m 5% 2 April 2020 KA73V Homebuyer Free Valuation 75% 2.89% n/a 4.0% £995 30 April 2015 £6,000 £1m 5% (+ benefit) 2 April 2020 KA73R Remortgage Solution 80% 3.44% n/a 4.4% £995 30 June 2015 £6,000 £1m 5% 2 April 2020 KA74V Homebuyer Free Valuation 80% 3.44% n/a 4.4% £995 30 April 2015 £6,000 £1m 5% (+ benefit) 2 April 2020 KA74R Remortgage Solution 85% 3.84% n/a 4.5% £995 30 June 2015 £6,000 £750k 5% 2 April 2020 KA75V Homebuyer Free Valuation 85% 3.84% n/a 4.5% £995 30 April 2015 £6,000 £750k 5% (+ benefit) 2 April 2020 KA75R Remortgage Solution 90% 4.45% n/a 4.8% £0 30 June 2015 £6,000 £500k 5% 2 April 2020 KA76V Homebuyer Free Valuation 2 April 2018 EA62V Homebuyer Free Valuation 5 year Fixed rate Payable if you repay on Product Code Benefit package or before 5 year Fixed rate - Large Loans Maximum Loan to Value Initial Rate Differential to BBR APR Booking fee Completion deadline Minimum loan size Maximum loan size Early Repayment Charge 70% 3.49% n/a 4.3% £1,995 30 June 2015 £250,000 £2.5m 5% 2 April 2020 KA72V Homebuyer Free Valuation 70% 3.49% n/a 4.3% £1,995 30 April 2015 £250,000 £2.5m 5% (+ benefit) 2 April 2020 KA72R Remortgage Solution Product Code Key: C = Available to All customers R = Remortgage only Payable if you repay on Product Code Benefit package or before H = Movers and First Time Buyers only Abbey's mortgage range - Page 3 of 10 10 year Fixed rate Maximum Loan to Value Initial Rate Differential to BBR APR Booking fee Completion deadline Minimum loan size Maximum loan size Early Repayment Charge 60% 3.44% n/a 2.9% £995 30 June 2015 £6,000 £1m 6% 2 April 2025 W040V Homebuyer Free Valuation 60% 3.44% n/a 3.8% £995 30 April 2015 £6,000 £1m 6% (+ benefit) 2 April 2025 W040R Remortgage Solution Product Code Key: C = Available to All customers R = Remortgage only Payable if you repay on Product Code Benefit package or before H = Movers and First Time Buyers only Abbey's mortgage range - Page 4 of 10 Tracker mortgages 90% LTV products, the booking fee cannot be added to the loan. 2 year Tracker Maximum Loan to Value Initial Rate Differential to BBR APR Booking fee Completion deadline Minimum loan size Maximum loan size Early Repayment Charge Payable if you repay on Product Code Benefit package or before 75% 1.79% 1.29% 4.4% £995 30 June 2015 £6,000 £1m None 2nd anniversary V856V Homebuyer Free Valuation 75% 1.79% 1.29% 4.4% £995 30 April 2015 £6,000 £1m (benefit) 2nd anniversary V856R Remortgage Solution 80% 2.04% 1.54% 4.4% £995 30 June 2015 £6,000 £1m None 2nd anniversary V857V Homebuyer Free Valuation 80% 2.04% 1.54% 4.4% £995 30 April 2015 £6,000 £1m (benefit) 2nd anniversary V857R Remortgage Solution 80% 2.89% 2.39% 4.5% £0 30 June 2015 £6,000 £550K None 2nd anniversary V855V Homebuyer Free Valuation 80% 2.89% 2.39% 4.5% £0 30 April 2015 £25,000 £550K (benefit) 2nd anniversary V855R Remortgage Solution Maximum Loan to Value Initial Rate Differential to BBR APR Booking fee Completion deadline Minimum loan size Maximum loan size Early Repayment Charge 75% 2.49% 1.99% 2.6% £995 NONE £25,000 £1m None Lifetime Tracker Payable if you repay on Product Code Benefit package or before N/A J125C NONE Lifetime Tracker - Large Loans Maximum Loan to Value Initial Rate Differential to BBR APR Booking fee Completion deadline Minimum loan size Maximum loan size Early Repayment Charge 70% 2.79% 2.29% 2.7% £1,995 NONE £250,000 £2.5m None Product Code Key: C = Available to All customers R = Remortgage only Payable if you repay on Product Code Benefit package or before N/A J120C NONE H = Movers and First Time Buyers only Abbey's mortgage range - Page 5 of 10 Flexible Offset mortgages Minimum loan £150,000 Flexible Offset mortgages Maximum Loan to Value Initial Rate Differential to BBR APR Booking fee Completion deadline Minimum loan size Maximum loan size Early Repayment Charge 75% 3.19% 2.69% 3.3% £495 NONE £150,000 £1m None Product Code Key: C = Available to All customers R = Remortgage only Payable if you repay on Product Code Benefit package or before N/A P450C NONE H = Movers and First Time Buyers only Abbey's mortgage range - Page 6 of 10 Help to Buy: Equity Loan These clients are not eligible for our other 75% LTV products. Clients must have a copy of their 'Authority to Proceed' document from their local Help to Buy Agent before they can proceed with a full mortgage application. 2 year Fixed rate Maximum Loan to Value Initial Rate Differential to BBR APR Booking fee Completion deadline Minimum loan size Maximum loan size Early Repayment Charge 75% 3.24% n/a 4.6% £0 30 June 2015 £6,000 £450k 3% Maximum Loan to Value Initial Rate Differential to BBR APR Booking fee Completion deadline Minimum loan size Maximum loan size Early Repayment Charge 75% 3.64% n/a 4.4% £0 30 June 2015 £6,000 £450k 5% Maximum Loan to Value Initial Rate Differential to BBR APR Booking fee Completion deadline Minimum loan size Maximum loan size Early Repayment Charge 75% 3.24% 2.74% 4.6% £0 30 June 2015 £6,000 £450k None Payable if you repay on Product Code Benefit package or before 2 April 2017 H291V Homebuyer Free Valuation 5 year Fixed rate Payable if you repay on Product Code Benefit package or before 2 April 2020 H292V Homebuyer Free Valuation 2 year Tracker Product Code Key: C = Available to All customers R = Remortgage only Payable if you repay on Product Code Benefit package or before 2nd anniversary H233V Homebuyer Free Valuation H = Movers and First Time Buyers only Abbey's mortgage range - Page 7 of 10 Help to Buy: Mortgage Guarantee Clients must meet the scheme eligibility criteria: - Existing mortgage customer (moving home) or First Time Buyer - Mortgage is for a pre-owned house only - LTV greater than 90% and less than or equal to 95% - Purchase price or valuation must be no more than £600,000 - Repayment (Capital & Interest) basis only - Not an owner of any other property 2 year Fixed rate Maximum Loan to Value Initial Rate Differential to BBR APR Booking fee Completion deadline Minimum loan size Maximum loan size Early Repayment Charge 95% 5.49% n/a 5.0% £0 30 June 2015 £6,000 £570k 3% Maximum Loan to Value Initial Rate Differential to BBR APR Booking fee Completion deadline Minimum loan size Maximum loan size Early Repayment Charge 95% 5.59% n/a 5.2% £0 30 June 2015 £6,000 £570k 5% Payable if you repay on Product Code Benefit package or before 2 April 2017 Y053V Homebuyer Free Valuation 5 year Fixed rate Product Code Key: C = Available to All customers R = Remortgage only Payable if you repay on Product Code Benefit package or before 2 April 2020 Y054V Homebuyer Free Valuation H = Movers and First Time Buyers only Abbey's mortgage range - Page 8 of 10 Existing Mover Exclusives For existing mortgage customers moving home. These customers are also eligible for our other Homebuyer products. Minimum loan £6,000 3 year Fixed rate Maximum Loan to Value Initial Rate Differential to BBR APR Booking fee Completion deadline Minimum loan size Maximum loan size Early Repayment Charge 75% 3.04% n/a 4.6% £995 30 June 2015 £6,000 £1m 3% (+ benefit) Maximum Loan to Value Initial Rate Differential to BBR APR Booking fee Completion deadline Minimum loan size Maximum loan size Early Repayment Charge 80% 1.99% 1.49% 4.4% £995 30 June 2015 £6,000 £1m (benefit) Payable if you repay on Product Code Benefit package or before 2 April 2018 EA63L Homebuyer Solution 2 year Tracker Product Code Key: C = Available to All customers R = Remortgage only Payable if you repay on Product Code Benefit package or before 2nd Anniversary V851L Homebuyer Solution H = Movers and First Time Buyers only Abbey's mortgage range - Page 9 of 10 Current Account Exclusives For existing qualifying Santander Current Account customers. Santander Current Account must have been open for 30 calendar days at the time of the mortgage application and the new Santander mortgage Direct Debit must come out of this Santander current account. Minimum loan £6,000 2 year Fixed rate Maximum Loan to Value Initial Rate Differential to BBR APR Booking fee Completion deadline Minimum loan size Maximum loan size Early Repayment Charge Payable if you repay on Product Code Benefit package or before 75% 1.94% n/a 4.5% £495 30 June 2015 £6,000 £1m 3% (+ benefit) 2 April 2017 C420H Homebuyer Solution 75% 1.94% n/a 4.4% £495 30 April 2015 £6,000 £1m 3% (+ benefit) 2 April 2017 C420R Remortgage Solution 80% 2.29% n/a 4.5% £495 30 June 2015 £6,000 £1m 3% (+ benefit) 2 April 2017 C421H Homebuyer Solution 80% 2.29% n/a 3.7% £495 30 April 2015 £6,000 £1m 3% (+ benefit) 2 April 2017 C421R Remortgage Solution Maximum Loan to Value Initial Rate Differential to BBR APR Booking fee Completion deadline Minimum loan size Maximum loan size Early Repayment Charge 80% 3.44% n/a 4.3% £495 30 June 2015 £6,000 £1m 5% (+ benefit) 2 April 2020 C422H Homebuyer Solution 80% 3.44% n/a 4.3% £495 30 April 2015 £6,000 £1m 5% (+ benefit) 2 April 2020 C422R Remortgage Solution 5 year Fixed rate Payable if you repay on Product Code Benefit package or before 2 year Tracker rate Maximum Loan to Value Initial Rate Differential to BBR APR Booking fee Completion deadline Minimum loan size Maximum loan size Early Repayment Charge 75% 1.79% 1.29% 4.4% £495 30 June 2015 £6,000 £1m 3% (+ benefit) 2nd anniversary C415H Homebuyer Solution 75% 1.79% 1.29% 3.6% £495 30 April 2015 £6,000 £1m 3% (+ benefit) 2nd anniversary C415R Remortgage Solution 80% 2.04% 1.54% 4.4% £495 30 June 2015 £6,000 £1m (benefit) 2nd anniversary C417H Homebuyer Solution 80% 2.04% 1.54% 4.3% £495 30 April 2015 £6,000 £1m (benefit) 2nd anniversary C417R Remortgage Solution Product Code Key: C = Available to All customers R = Remortgage only Payable if you repay on Product Code Benefit package or before H = Movers and First Time Buyers only Abbey's mortgage range - Page 10 of 10 Buy to Let mortgages Percentage booking fees must be added to the loan 2 year Fixed rate Maximum Loan to Value Initial Rate Differential to BBR APR Booking fee Completion deadline Minimum loan size Maximum loan size Early Repayment Charge Payable if you repay on Product Code Benefit package or before 60% 2.45% n/a 4.7% £1,995 30 June 2015 £25,000 £750K 3% 2 April 2017 BLK0V Homebuyer Free Valuation 60% 2.45% n/a 4.7% £1,995 30 April 2015 £25,000 £750K 3% (+ benefit) 2 April 2017 BLK0R Remortgage Cashback 60% 2.79% n/a 4.7% £1,495 30 June 2015 £25,000 £750K 3% 2 April 2017 BLL3V Homebuyer Free Valuation 60% 2.79% n/a 4.7% £1,495 30 April 2015 £25,000 £750K 3% (+ benefit) 2 April 2017 BLL3R Remortgage Cashback 30 June 2015 £50,000 £750K 3% 2 April 2017 BLL4V Homebuyer Free Valuation 60% 2.59% n/a 4.9% 2.50% (must be added to the loan) 60% 2.59% n/a 5.0% 2.50% (must be added to the loan) 30 April 2015 £50,000 £750K 3% (+ benefit) 2 April 2017 BLL4R Remortgage Cashback 75% 2.95% n/a 4.6% £1,995 30 June 2015 £25,000 £750K 3% 2 April 2017 BLL5V Homebuyer Free Valuation 75% 2.95% n/a 4.9% £1,995 30 April 2015 £25,000 £750K 3% (+ benefit) 2 April 2017 BLL5R Remortgage Cashback 75% 3.34% n/a 4.6% £1,495 30 June 2015 £25,000 £750K 3% 2 April 2017 BLL6V Homebuyer Free Valuation 75% 3.34% n/a 4.9% £1,495 30 April 2015 £25,000 £750K 3% (+ benefit) 2 April 2017 BLL6R Remortgage Cashback Maximum Loan to Value Initial Rate Differential to BBR APR Booking fee Completion deadline Minimum loan size Maximum loan size Early Repayment Charge 60% 4.04% n/a 4.8% £1,495 30 June 2015 £25,000 £750K 5% 2 April 2020 BLL7V Homebuyer Free Valuation 60% 4.04% n/a 5.8% £1,495 30 April 2015 £25,000 £750K 5% (+ benefit) 2 April 2020 BLL7R Remortgage Cashback 75% 4.34% n/a 4.9% £1,495 30 June 2015 £25,000 £750K 5% 2 April 2020 BLL8V Homebuyer Free Valuation 75% 4.34% n/a 6.0% £1,495 30 April 2015 £25,000 £750K 5% (+ benefit) 2 April 2020 BLL8R Remortgage Cashback Maximum Loan to Value Initial Rate Differential to BBR APR Booking fee Completion deadline Minimum loan size Maximum loan size Early Repayment Charge 75% 2.99% 2.49% 4.7% £1,495 30 June 2015 £25,000 £750K 2% 2nd anniversary BLH0V Homebuyer Free Valuation 75% 2.99% 2.49% 4.5% £1,495 30 April 2015 £25,000 £750K 2% (+ benefit) 2nd anniversary BLH0R Remortgage Cashback 5 year Fixed rate Payable if you repay on Product Code Benefit package or before 2 year Tracker Product Code Key: C = Available to All customers R = Remortgage only Payable if you repay on Product Code Benefit package or before H = Movers and First Time Buyers only Product notes Bank of England Base Rate officially known as Bank of England Repo Rate, currently 0.50%. Santander’s Standard Variable Rate, currently 4.74%. General notes Interest is calculated on a daily basis and charged monthly for all products We reserve the right to increase or reduce the Standard Variable Rate, SVR is not available to new customers Variable Rate Tracker products are subject to a minimum rate of 0.0001% Maximum loan size on mortgage products relates to the total borrowing required by the customer, not just the borrowing on that product Booking fees are charged on some of our products. Where the fee has been added to the loan, the added fee will attract interest over the term. The customer can repay this by cheque within 14 days after completion without incurring any interest on the booking fee. If you choose a product that allows the customer to add the fee to the loan, the added fee will attract interest, and in turn will increase the interest paid over the term of the mortgage Pre-completion product change fee If any customer wants to change to another product after their application has been agreed and the survey has been instructed, they have to pay a fee of £199. This fee cannot be capitalised in any circumstances. If a customer wishes to change their product they must pay this fee before the product change is processed. If the customer has already paid the booking fee upfront for the original product and wants to change to another product, the new booking fee would be payable as well. Booking Fee Refund Policy If the customer changes their mind after we have collected a booking fee paid upfront, we would not refund it unless one of the following applies: we decline the application for any reason prior to the valuation being requested, after the valuation has been completed our surveyor decides that the property would be inadequate security for Santander, our surveyor downvalues the property and the customer needs to select a different product. Top up of an existing product Prior to completion, the maximum top up available is 10% of the original loan amount. The minimum is £1,000. Early Repayment Charges Our ERCs are calculated as a percentage of the outstanding mortgage balance at the time of redemption. The level of charge will differ by the type of product and the product term. All borrowers are able to make capital repayments of up to 10% of their total outstanding loan balance each calendar year without incurring an ERC. The minimum capital repayment is £500. If the booking fee has been added to the loan, the customer can repay this within 14 days following completion. Repayment of the booking fee will not affect a customer’s ability to repay up to 10% of the capital each calendar year, free of any early repayment charge. Benefit package ERCs associated with Homebuyer Solution, Remortgage Solution and Remortgage Cashback will continue to be charged as a fixed amount on top of the percentage ERC. MORT0164 17DEC14 M Benefit packages Remortgage Solution (Available to all customers remortgaging their residential property where the product offers Remortgage Solution) Free standard valuation - all customers will receive a free valuation for mortgage purposes (up to a property value £2.5 million). In certain circumstances we may need to arrange a full inspection. In these cases, the valuer will contact the customer directly Standard legal work - we will also arrange and pay for the cost of standard legal work involved in transferring the mortgage, ensuring it will be undertaken professionally and speedily. The customer will be required to pay for the following third party fees above this limit if they apply: – For leasehold properties - the landlord’s registration fee for registering the mortgage with the landlord in accordance with the terms of the lease – If the title to the property is unregistered - the additional land registry registration fee If any additional work is required, which is not normally associated with a remortgage, this will be at the customer’s own cost. The customer will be advised of the cost of additional work before any work is carried out. Alternatively the customer can receive £250 cashback at completion as a contribution towards legal costs. Remortgage Cashback (Available to all customers remortgaging their Buy to Let property where the product offers Remortgage Cashback) Free standard valuation - all customers will receive a free standard valuation for mortgage purposes (up to a property value of £2.5 million). In certain circumstances we may need to arrange a full inspection. In these cases, the valuer will contact the customer directly. £250 cashback - all customers will also receive £250 cashback at completion, as a contribution towards legal costs. Homebuyer Solution (Available to all customers purchasing a new residential property where the product offers Homebuyer Solution) Free standard valuation - all customers will receive a free valuation for mortgage purposes (up to a property value of £2.5 million). In certain circumstances we may need to arrange a full inspection. In these cases, the valuer will contact the customer directly. £250 cashback - all customers will also receive £250 cashback at completion, as a contribution towards legal costs. Homebuyer Free Valuation (Available to all customers purchasing a new residential or Buy to Let property where the product offers Homebuyer Free Valuation) Free standard valuation - all customers will receive a free standard valuation for mortgage purposes (up to a property value of £2.5 million). In certain circumstances we may need to arrange a full inspection. In these cases, the valuer will contact the customer directly. Benefit packages ERC - Should the customer redeem their mortgage on or before 2 February 2017 the cashback or standard legal work benefit must be repaid (£250 cash back or a maximum of £200 for residential remortgage legal work). The repayment of the benefit received will be in addition to any product early repayment charge applicable. Santander for Intermediaries is a brand and is not a regulated company. We offer information and access to the products and services provided by Santander UK plc under the brand names of Abbey, Alliance & Leicester and Santander. Registered office of Santander UK plc is 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England. Santander UK plc Telephone 0870 607 6000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number is 106054. Abbey, Alliance & Leicester, Santander and the flame logo are registered trademarks. MORT0164 17DEC14 M
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