New home - Fixed rate mortgages

The interest rate on your mortgage stays fixed for a set period, so no matter what happens to the Bank of England base rate, you know your interest rate will be the same each month during the fixed rate period.

Offset Fixed Rate Mortgage

With our offset fixed rate mortgage, you can choose to offset your Intelligent Finance savings and/or current account.

Product name	Max loan to value	Initial rate	Then changing for the remainder of the term to	The overall cost for comparison is


Home Purchase Offset fixed 60 until 28 February 2012	60% LTV	5.49% fixed until 28.02.12	4.00% currently (our offset variable mortgage rate)	4.4 % APR
Arrangement fee: £2499 \| Early repayment charges - 3.00% until 28.02.10, 2.00% until 28.02.11, 2.00% until 28.02.12 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Home Purchase Offset fixed 60 until 28 February 2012	60% LTV	4.89% fixed until 28.02.12	4.00% currently (our offset variable mortgage rate)	4.5 % APR
Arrangement fee: £999 \| Early repayment charges - 3.00% until 28.02.10, 2.00% until 28.02.11, 2.00% until 28.02.12 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Home Purchase Offset fixed 60 until 28 February 2014	60% LTV	5.09% fixed until 28.02.14	4.00% currently (our offset variable mortgage rate)	4.8 % APR
Arrangement fee: £999 \| Early repayment charges - 5.00% until 28.02.10, 4.00% until 28.02.11, 3.00% until 28.02.12, 3.00% until 28.02.13, 3.00% until 28.02.14 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Product name	Max loan to value	Initial rate	Then changing for the remainder of the term to	The overall cost for comparison is

Home Purchase Offset fixed 75 until 28 February 2012	75% LTV	5.69% fixed until 28.02.12	4.00% currently (our offset variable mortgage rate)	4.4 % APR
Arrangement fee: £2499 \| Early repayment charges - 3.00% until 28.02.10, 2.00% until 28.02.11, 2.00% until 28.02.12 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Offset fixed rate mortgages are only available on loans between £100,000 and £500,000

Your home may be repossessed if you do not keep up repayments on your mortgage.

Need help?

How do I apply?

Our mortgages are available exclusively as part of an offset plan through your local Professional Adviser.

How to find a Professional Adviser

Already have an Intelligent Finance Savings or Current Account?

You can apply for a mortgage online. Just register for online banking first, then log in and select "Enhance Plan".

See how much you could save

How much could I borrow?

View affordability calculator

Which mortgage is right for me?

Try mortgage picker

How does offsetting work?

See our demo to find out how offsetting works

Your home may be repossessed if you do not keep up repayments on your mortgage.

Please note that our mortgage range is available to new mortgage customers and to existing Intelligent Finance mortgage customers who are moving home.