Standard Capital & Interest

Who is it for?

Our Standard Capital & Interest mortgage is available aged 50-85, whether your client is working or retired.

Your client chooses the term and pays the capital each month as well as the interest.

C&I can be taken with a term up to a maximum age of 85. They could be suitable for a wide range of circumstances, including:

  • Purchasing a new property
  • Remortgaging an existing loan
  • Generating funds for home improvements, lifestyle or to start a Bank of Mum and Dad
  • Those hoping to preserve the equity in their home

Key Points:

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    35 years:

    Up to 35 years maximum loan term

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    50 to 85 years old:

    Our C&I mortgage is open to borrowers aged 50 to 85

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    Up to 85% LTV:

    Borrow up to 85% loan to value.

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    0.55% gross proc fee:

    We have 2 proc fee options. Choose from:

    • Our Standard Proc Fee of 0.55% gross upfront
    • Our Ongoing Proc Fee of 0.55% gross upfront plus an additional 0.13% gross every year thereafter, for up to 15 years

    Our Ongoing Proc Fee requires an annual customer care call.

Product Rates


Download these guides to explore our products and criteria.

Useful Links

Browse our Standard Capital & Interest products

Fixed Rate Term
Interest Rate
Reversion Rate
Product Fee