Step Into Your Dream Home with Conister Bank

We understand that every homeowner’s journey is unique. That’s why we offer Repayment Mortgages to help you achieve your financial goals while securing the property of your dreams.

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What is a Repayment Mortgage?

A repayment mortgage is designed to gradually repay both the interest and the capital (the original loan amount) over the term of the mortgage. By the end of the term, you’ll have fully repaid the loan and will own your property outright - provided all payments are made as scheduled.

Key Features of a Repayment Mortgage:

Monthly Payments	Loan Reduction	Full Repayment
Each monthly payment includes a portion for the interest and a portion for the capital repayment.	As time progresses, the balance of the mortgage decreases because you’re paying off the capital (loan amount).	At the end of the mortgage term the loan will be completely repaid, and you will fully own the property.

Fixed-Rate Mortgages

A Fixed Rate repayment mortgage ensures that your interest rate remains constant throughout the agreed term, providing stability and predictability. This means:
✔️ Your monthly repayments stay the same, regardless of changes in market interest rates.
✔️ It is ideal for those who prefer consistent payments, making it easier to budget and plan ahead.

Interest Rates

Find out more about our 60% - 95% loan-to-value (LTV) mortgage products and interest rates by clicking here

Representative example

A mortgage of £250,000 payable over 35 years, would require 24 monthly payments of £1,525.87 and 396 monthly payments of £2,318.25. This is based on an initial Fixed rate for 2 years with a 75% Loan to Value at 6.59% and then assuming the Follow on Rate applicable at that point in time. For the purpose of this example we have assumed a Follow on Rate 11% for the remaining 33 years.

The overall amount payable in this example would be £955,167.19 (which is made up of the £250,000 borrowed, plus £704,668.19 interest and a £499 setup fee).

Please note, the assumed Follow on Rate used in this example, 11%, may be higher or lower than the actual Follow on Rate that will be available at the end of your 2 year fixed term.

In this example the overall cost for comparison is 10.61% APR representative.

Navigating Our Mortgage Solutions

First-Time Buyers

Embarking on your first home purchase?

We’re here to guide you, helping you lay down roots in a place to call your own.

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Moving Home

Time for a change?

Our mortgage solutions are designed to make your move seamless, whether you’re upsizing, downsizing, or moving for a fresh start.

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Remortgaging

Looking to switch your mortgage to Conister Bank?

It’s an opportunity to potentially lower your repayments, borrow more, or adjust your mortgage term to suit your evolving needs.

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Additional Borrowing

Already have a mortgage with us?

If you need extra funds for home improvements or other personal reasons, we’re here to discuss.

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Get help from our Conister Bank mortgages team:

We’re with you every step of the way.

Whether you prefer a phone call, email, or in-person visit, we’re here to help make your dream home a reality.

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