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Market Cooling or Resetting? June 2025 Property Snapshot

Jul 17, 2025

Market Cooling or Resetting? June 2025 Property SnapshotJune has brought some interesting twists to the UK property market. While April and May saw a solid run, June’s numbers show a slight dip in ask...

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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