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Single self contained units

2 YEAR FIXED RATE (65% LTV)

Funded by Paragon Mortgages 2010 Limited

Code Initial rate Product fee Early repayment charge APR Reversion rate ICR rate Product specific criteria
2BM019 3.20% £995 3% for 2 years 5.00% Paragon Bank SVR

(currently 5.10%)

5.50% Max loan - £500,000
2 YEAR FIXED RATES (75% LTV)

Funded by Paragon Mortgages 2010 Limited

Code Initial rate Product fee Early repayment charge APR Reversion rate ICR rate Product specific criteria
2BM021 3.30% 1.00% 3% for 2 years 5.10% Paragon Bank SVR

(currently 5.10%)

5.50%  
2BM022 3.40% £1495 3% for 2 years 5.10% Paragon Bank SVR

(currently 5.10%)

5.50% Max loan - £500,000
5 YEAR FIXED RATES (75% LTV)

Funded by Paragon Bank PLC

Code Initial rate Product fee Early repayment charge APR Reversion rate ICR rate Product specific criteria
2BM012 3.75% 1.50% 5% for years 1 and 2

4% for years 3 and 4

3% for year 5
4.90% Paragon Bank SVR

(currently 5.10%)

4.00%  
2BM013 3.90% £1999 5% for years 1 and 2

4% for years 3 and 4

3% for year 5
5.00% Paragon Bank SVR

(currently 5.10%)

4.00% Max loan - £500,000
5 YEAR FIXED RATE (75% LTV) – LIMITED EDITION

Funded by Paragon Bank PLC

Code Initial rate Product fee Early repayment charge APR Reversion rate ICR rate Product specific criteria
2BM017 3.65% 0.50% 5% for years 1 and 2

4% for years 3 and 4

3% for year 5
4.80% Paragon Bank SVR

(currently 5.10%)

4.00% Limited edition product
5 YEAR STEPPED FIXED RATE (75% LTV)

Funded by Paragon Bank PLC

Code Stepped rates Product fee Early repayment charge APR Reversion rate ICR rate Product specific criteria
2BM016 3.00% for year 1

3.25% for year 2

3.50% for year 3

3.75% for year 4

4.00% for year 5
2.00% 5% for years 1 and 2

4% for years 3 and 4

3% for year 5
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  • All our products are subject to availability and can be withdrawn at any time.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.