Fixed rate products
We offer a range of fixed rate mortgages for customers who want the certainty of paying the same amount each month, during that fixed rate period. We do allow 10% overpayments per year, however we do apply early repayment charges.
Tracker mortgages
We provide a variety of tracker products from the Bank of England base rate, along with the Handelsbanken Standard Variable Rate.
Offset mortgage
Our offset product provides customers with greater flexibility when it comes to managing their money and repayments. The mortgage is linked with a Handelsbanken savings and/or current account and those balances offset the amount of interest we charge on the mortgage.
Residential development loan
We offer development loans for a variety of circumstances such as:
- purchasing a property with the intention of demolishing some or all of it, to build or extend a home
- purchasing or developing land to build a new home
- undertaking significant extensions and renovations where planning permission is required.
Foreign currency mortgages
These are only available to UK residents and in Sterling and only for first charge lending secured against a UK residential property. The haircut we apply is specific to the currency and we can use income and/or assets in the following:
Euro
DKK (Danish Krone)
NOK (Norwegian Krone)
SEK (Swedish Krona)
USD (US Dollars)
…or any combination of these
Fee Saver
Your clients can choose a lower margin with a fee or a higher margin with no fee, depending on how much they owe on their mortgage. There’s an option to take either a new Handelsbanken mortgage or retain their existing mortgage with fee-saver options. Our fee saver options don’t have an arrangement fee.
