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 all our broker material such as rates, lending criteria, affordability calculator, contact information and more in the links below.

Contact Our Business Development Team

Tel: 01582 463133 - Option 1

Email: brokerteam@harpendenbs.co.uk

Jean Errington

Telephone Business Development Manager

Vanessa Hunt

Key Account Manager

Chelsea Pordage

Business Development Manager

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	5.14%	7.79%	65%	65%	£150,000 - £1,250,000	£995	3% Year 1 2% Year 2	35 Years
2 Year Discount	5.54%	7.79%	75%	75%	£150,000 - £1,250,000	£995	3% Year 1 2% Year 2	35 Years
2 Year Discount	6.14%	7.79%	80%	N/A	£150,000-£999,999	£995	3% Year 1 2% Year 2	35 Years
Mortgage Product	Fixed Rate	Followed by our Standard Variable Rate	Maximum LTV (Repayment)	Maximum LTV (Interest-only/Part & Part)	Loan Amount	Arrangement Fee	ERCs	Maximum Term
Fixed until 31/01/2027	5.29%	7.79%	65%	65%	£150,000 - £1,250,000	£995	3% Year 1 2% Year 2	35 Years
Fixed until 31/01/2027	5.59%	7.79%	70%	70%	£150,000 - £1,250,000	£995	3% Year 1 2% Year 2	35 Years
Fixed until 31/01/2027	5.79%	7.79%	75%	75%	£150,000 - £1,250,000	£995	3% Year 1 2% Year 2	35 Years

Max LTV for Lending In Retirement is 70%

Residential Large Loan

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	6.04%	7.79%	75%	75%	£1,250,001 - £2.5M	£1,500	3% Year 1 2% Year 2	35 Years
2 Year Discount	6.34%	7.79%	70%	70%	£2,500,001 - £3.5M	£3,000	3% Year 1 2% Year 2	35 Years
Mortgage Product	Fixed Rate	Followed by our Standard Variable Rate	Maximum LTV (Repayment)	Maximum LTV (Interest-only/Part & Part)	Loan Amount	Arrangement Fee	ERCs	Maximum Term
Fixed until 31/01/2027	6.09%	7.79%	75%	75%	£1,250,001 - £2.5M	£1,500	3% Year 1 2% Year 2	35 Years

Max LTV for Lending In Retirement is 70%

Residential 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	5.44%	7.79%	65%	65%	£150,000 - £1,250,000	£995	3% Year 1 2% Year 2	35 Years
2 Year Discount	5.84%	7.79%	75%	75%	£150,000 - £1,250,000	£995	3% Year 1 2% Year 2	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

ERCs

Maximum Term

2 Year Discount

5.44%

7.79%

65%

£150,000 - £1,250,000

£995

3% Year 1

2% Year 2

35 Years

2 Year Discount

5.84%

7.79%

75%

£150,000 - £1,250,000

£995

3% Year 1

2% Year 2

35 Years

Holiday 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	5.64%	7.79%	60%	60%	£150,000 - £1,250,000	£995	3% Year 1 2% Year 2	25 Years
2 Year Discount	6.04%	7.79%	75%	75%	£150,000 - £1,250,000	£995	3% Year 1 2% Year 2	25 Years
2 Year Discount	6.74%	7.79%	80%	N/A	£150,000 - £999,999	£995	3% Year 1 2% Year 2	25 Years
2 Year Discount	6.54%	7.79%	75%	75%	£1,250,001 - £2M	£1,500	3% Year 1 2% Year 2	25 Years

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	5.94%	7.79%	60%	60%	£150,000 - £1,250,000	£995	3% Year 1 2% Year 2	25 Years
2 Year Discount	6.24%	7.79%	75%	75%	£150,000 - £1,250,000	£995	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

5.94%

7.79%

60%

£150,000 - £1,250,000

£995

3% Year 1

2% Year 2

25 Years

2 Year Discount

6.24%

7.79%

75%

£150,000 - £1,250,000

£995

3% Year 1

2% Year 2

25 Years

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	ERCs	Maximum Term
2 Year Discount	6.04%	7.79%	65%	65%	£150,000 - £1,250,000	£1,500	2% Year 1 & Year 2	5-35 Years
2 Year Discount	6.64%	7.79%	75%	75%	£150,000 - £1,250,000	£1,500	2% Year 1 & Year 2	5-35 Years
2 Year Discount	6.84%	7.79%	65%	65%	£1,250,001 - £2M	0.50%	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

ERCs

Maximum Term

2 Year Discount

6.04%

7.79%

65%

£150,000 - £1,250,000

£1,500

2% Year 1 & Year 2

5-35 Years

2 Year Discount

6.64%

7.79%

75%

£150,000 - £1,250,000

£1,500

2% Year 1 & Year 2

5-35 Years

2 Year Discount

6.84%

7.79%

65%

£1,250,001 - £2M

0.50%

2% Year 1 & Year 2

5-35 Years

Residential Credit Repair

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 - Level 1	6.94%	7.79%	70%	70%	£150,000- £750,000	£995	3% Year 1 2% Year 2	35 Years
2 Year Discount - Level 2	7.19%	7.79%	70%	70%	£150,000- £750,000	£995	3% Year 1 2% Year 2	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

ERCs

Maximum Term

2 Year Discount - Level 1

6.94%

7.79%

70%

£150,000- £750,000

£995

3% Year 1

2% Year 2

35 Years

2 Year Discount - Level 2

7.19%

7.79%

70%

£150,000- £750,000

£995

3% Year 1

2% Year 2

35 Years

Should you or your clients require any documents in alternative formats such as braille or large print, please contact us and we will be happy to help.

If at any time during your relationship with HBS you encounter any communication difficulties or have any other vulnerabilities that you would like us to be aware of, please do not hesitate to contact us and we will document this on your records. Making us aware of any additional requirements or adjustments will help us to provide a level of service that will enable your relationship with us to run smoothly.

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.