Intermediaries Mortgage Range - Harpenden Building Society

Intermediaries Mortgage Products and Lending Criteria

Here at Harpenden, we provide individually underwritten mortgages tailor made to the customer’s needs. Our pragmatic and sensible approach ensures mortgage applications are individually assessed using common-sense. We deal exclusively with intermediaries, and have the expertise coupled with experience in dealing with complex mortgage applications. We pride ourselves on being flexible and accommodating. This is conveyed through our policy of lending to people in different types of employment which has kept pace in an ever-changing environment. We therefore lend to people who are employed, self-employed and retired. We create specialist solutions for your clients.

You can view our rates and lending criteria in the links below.

Contact Our Business Development Team

Jean Errington

Telephone Business Development Manager

Telephone: 07483 310314

Email: brokerteam@harpendenbs.co.uk

Chelsea Pordage

Telephone Business Development Manager

Telephone: 07824 616710

Email: brokerteam@harpendenbs.co.uk

Vanessa Hunt

Key Account Manager

Telephone: 07741 661036

Email: brokerteam@harpendenbs.co.uk

Discount range - View our Mortgages

Residential

Mortgage Product	Current Variable Pay Rate	Followed by our Standard Variable Rate	Maximum LTV (Repayment)	Maximum LTV (Interest-only/Part & Part)	Loan Amount	Arrangement Fee	ERCs	Maximum Term
2 Year Discount	4.59%*	7.04%	60%	60%	£150,000-£999,999	£800	3% Year 1; 2% Year 2	35 Years
2 Year Discount	4.89%	7.04%	60%	60%	£150,000-£999,999	£800	3% Year 1; 2% Year 2	35 Years
2 Year Discount	5.19%*	7.04%	75%	75%	£150,000-£999,999	£800	3% Year 1; 2% Year 2	35 Years
2 Year Discount	5.49%	7.04%	75%	75%	£150,000-£999,999	£800	3% Year 1; 2% Year 2	35 Years
2 Year Discount	6.49%	7.04%	80%	N/A	£150,000-£999,999	£800	3% Year 1; 2% Year 2	35 Years

Max LTV for Lending In Retirement is 70%

* Available via SmartrFit

Residential Large Loan

Mortgage Product	Current Variable Pay Rate	Followed by our Standard Variable Rate	Maximum LTV	Loan Amount	Arrangement Fee	ERCs	Maximum Term
2 Year Discount	5.49%	7.04%	75%	£1m - £1,249,999	£1,500	3% Year 1; 2% Year 2	35 Years
2 Year Discount	5.49%	7.04%	70%	£1.25m - £1,999,999	£1,500	3% Year 1; 2% Year 2	35 Years
2 Year Discount	5.89%	7.04%	65%	£2m - £2.5M	£3,000	3% Year 1; 2% Year 2	35 Years

Mortgage Product

Current Variable Pay Rate

Followed by our Standard Variable Rate

Maximum LTV

Loan Amount

Arrangement Fee

ERCs

Maximum Term

2 Year Discount

5.49%

7.04%

75%

£1m - £1,249,999

£1,500

3% Year 1; 2% Year 2

35 Years

2 Year Discount

5.49%

7.04%

70%

£1.25m - £1,999,999

£1,500

3% Year 1; 2% Year 2

35 Years

2 Year Discount

5.89%

7.04%

65%

£2m - £2.5M

£3,000

3% Year 1; 2% Year 2

35 Years

Max LTV for Lending In Retirement is 70%

Holiday Let/Second Home

Mortgage Product	Current Variable Pay Rate	Followed by our Standard Variable Rate	Maximum LTV (Repayment)	Maximum LTV (Interest-only/Part & Part)	Loan Amount	Arrangement Fee	ERCs	Maximum Term
2 Year Discount	4.89%**	7.04%	60%	60%	£150,000-£999,999	£800	3% Year 1; 2% Year 2	25 Years
2 Year Discount	5.09%	7.04%	60%	60%	£150,000-£999,999	£800	3% Year 1; 2% Year 2	25 Years
2 Year Discount	5.39%**	7.04%	75%	75%	£150,000-£999,999	£800	3% Year 1; 2% Year 2	25 Years
2 Year Discount	5.59%	7.04%	75%	75%	£150,000-£999,999	£800	3% Year 1; 2% Year 2	25 Years
2 Year Discount	6.59%	7.04%	80%	N/A	£150,000-£999,999	£800	3% Year 1; 2% Year 2	25 Years

** Available via L&G Mortgage Club & Sesame Mortgage Network

Buy-to-Let

Mortgage Product	Current Variable Pay Rate	Followed by our Standard Variable Rate	Maximum LTV (Repayment)	Maximum LTV (Interest-only/Part & Part)	Loan Amount	Arrangement Fee	ERCs	Maximum Term
2 Year Discount	5.59%	7.04%	75%	70%	£150,000-£999,999	£800	3% Year 1; 2% Year 2	25 Years

Mortgage Product

Current Variable Pay Rate

Followed by our Standard Variable Rate

Maximum LTV (Repayment)

Maximum LTV (Interest-only/Part & Part)

Loan Amount

Arrangement Fee

ERCs

Maximum Term

2 Year Discount

5.59%

7.04%

75%

70%

£150,000-£999,999

£800

3% Year 1; 2% Year 2

25 Years

Standard Self-Build

Mortgage Product	Current Variable Pay Rate	Followed by our Standard Variable Rate	Maximum LTV (Repayment)	Maximum LTV (Interest-only/Part & Part)	Loan Amount	Arrangement Fee	Packager Fees*	ERCs	Maximum Term
2 Year Discount	6.09%	7.04%	65%	65%	£150,000-£999,999	£1,500	£800	2% Year 1 & Year 2	5-35 Years
2 Year Discount	6.29%	7.04%	70%	70%	£150,000-£999,999	£1,500	£800	2% Year 1 & Year 2	5-35 Years
2 Year Discount	6.49%	7.04%	65%	65%	£1M-£1.5M	0.50%	£800	2% Year 1 & Year 2	5-35 Years

Mortgage Product

Current Variable Pay Rate

Followed by our Standard Variable Rate

Maximum LTV (Repayment)

Maximum LTV (Interest-only/Part & Part)

Loan Amount

Arrangement Fee

Packager Fees*

ERCs

Maximum Term

2 Year Discount

6.09%

7.04%

65%

£150,000-£999,999

£1,500

£800

2% Year 1 & Year 2

5-35 Years

2 Year Discount

6.29%

7.04%

70%

£150,000-£999,999

£1,500

£800

2% Year 1 & Year 2

5-35 Years

2 Year Discount

6.49%

7.04%

65%

£1M-£1.5M

0.50%

£800

2% Year 1 & Year 2

5-35 Years

Available via Mayflower Mortgage & Finance.

*Payable to Mayflower Mortgage and Finance

Short Term Self-Build

Current Variable Pay Rate	Term	Minimum-Maximum Loan	Maximum LTV (Repayment)	Maximum LTV (Interest-only)	Arrangement Fee	Packager Fees *	ERCs
7.54%	1 to 3 Years	£300,000-£999,999	N/A	70%	1%	£800	2% Year 1; 0% Year 2-3

Current Variable Pay Rate

Term

Minimum-Maximum Loan

Maximum LTV (Repayment)

Maximum LTV (Interest-only)

Arrangement Fee

Packager Fees *

ERCs

7.54%

1 to 3 Years

£300,000-£999,999

N/A

70%

£800

2% Year 1;

0% Year 2-3

Available via Mayflower Mortgage & Finance

*Payable to Mayflower Mortgage and Finance

YOUR MORTGAGE WILL BE SECURED ON YOUR PROPERTY AND YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

MORTGAGE PRODUCTS ARE REGULATED BY THE FINANCIAL CONDUCT AUTHORITY EXCEPT SECOND/HOLIDAY HOME, BUY-TO-LET AND RESIDENTIAL DEVELOPMENT, WHERE THE BORROWER DOES NOT RESIDE ON SITE DURING THE DEVELOPMENT PERIOD.