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Whether you are buying your first home, remortgaging, protecting your family’s future, or simply trying to make sense of it all, you have landed in the right place. This blog is here to cut through the noise and bring you helpful, jargon free insights into the world of mortgages, housing and insurance.

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Why Income Protection Matters If You’re Self-Employed

Jul 1, 2025

Why Income Protection Matters If You’re Self-EmployedWhen you work for yourself, your income depends on your ability to keep showing up and doing the job. There’s no sick pay, no HR department, and no...

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Scheme ID

00CQ3Z

Scheme ID

3.77% then 7.99% (var)

Monthly repayment

£0,000

Scheme fees

£0,000

Early repayment charge: 2% reducing to 1% until 31/01/27

Overall cost for comparison: 7.4% APRC

National Westminster Bank plc

Fees and charges

Booking fee	£0
Arrangement fee	£3,123
Valuation fee	£340
Other fee	£0
Cash back	£0

Flexibility

2% reducing to 1% until 31/01/27
Max LTV	85%
Overpayments allowed	Yes
Early repayment charge

Other info

Exit fee	£99
Estimated legals	£0

A variable rate 2.99% above the Bank of England base rate (5.25%), giving a current payable rate of 8.24% for 2 years. Afterward, it changes to 3.40% above the base rate (5.25%), resulting in 8.65% for the remaining term.

Mortgageability Talk to broker