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Houses in multiple occupation / Multi-unit blocks

2 YEAR FIXED RATE (65% LTV)

FIXED UNTIL 30/04/2019 Funded by Paragon Mortgages 2010 Limited

Code Initial rate Product fee Early repayment charge APR Reversion rate ICR rate Product specific criteria
2PM488 3.45% 1.50% 3% to 30/04/2019 5.10% Paragon Group SVR

(currently 5.10%)

5.50%  
2 YEAR FIXED RATE (75% LTV)

FIXED UNTIL 30/04/2019 Funded by Paragon Mortgages 2010 Limited

Code Initial rate Product fee Early repayment charge APR Reversion rate ICR rate Product specific criteria
2PM491 3.60% 1.50% 3% to 30/04/2019 5.10% Paragon Group SVR

(currently 5.10%)

5.60%  
5 YEAR FIXED RATES (75% LTV)

FIXED UNTIL 31/07/2022 Funded by Paragon Bank PLC

Code Initial rate Product fee Early repayment charge APR Reversion rate ICR rate Product specific criteria
2BM009 3.85% £1,999 5% to 31/07/2019

4% to 31/07/2021

3% to 31/07/2022
4.90% Paragon Bank SVR

(currently 5.10%)

4.00% Max loan - £500,000
2BM010 3.95% 1.50% 5% to 31/07/2019

4% to 31/07/2021

3% to 31/07/2022
5.00% Paragon Bank SVR

(currently 5.10%)

4.00%  
5 YEAR STEPPED FIXED RATE (75% LTV)

FIXED UNTIL 31/07/2022 Funded by Paragon Bank PLC

Code Initial rate Product fee Early repayment charge APR Reversion rate ICR rate Product specific criteria
2BM011 3.00% until 31/07/2018

3.25% until 31/07/2019

3.50% until 31/07/2020

3.75% until 31/07/2021

4.00% until 31/07/2022
2.00% 5% to 31/07/2019

4% to 31/07/2021

3% to 31/07/2022
5.00% Paragon Bank SVR

(currently 5.10%)

4.00%  

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  • APR calculated using an illustrative loan of £150,000.
  • All our products are subject to availability and can be withdrawn at any time.
  • After the initial fixed period, if the mortgage is interest only, it may be converted to capital and interest repayment, subject to 28 days written notice.
  • An application fee of £150 and a valuation fee applies to all products.

The gross rental income from the property should equal or exceed the ICR as determined using a combination of the tax band applicable to an applicant’s income and the property type. The tax band applicable to the applicant with the highest income will be used.

This will be calculated using the amount requested at either the product charging rate plus 2% or 5.5%, whichever is the greater. The exception to this rule will be 5 year fixed rate products, which will be calculated using the amount requested, at either the product charging rate or 4.00%, whichever is the greater.

The applicable ICR rate is shown against each product.

The tax band and ICR levels can be found under the affordability section on our criteria page

Paragon Mortgages is a trading style of Paragon Mortgages (2010) Limited (Registered in England No:6595834) and Paragon Bank PLC (Registered in England No:05390593). Paragon Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Paragon Bank PLC is registered on the Financial Services Register under the Firm Reference No:604551. Registered office: 51 Homer Road, Solihull, West Midlands B91 3QJ.