Money Worries | instantwirebank

We offer a range of mortgages designed to suit you.

Whether you're a first time buyer or looking to remortgage, we offer different levels of flexibility and security across all our mortgages, subject to a maximum Loan To Value (LTV).

Your home may be repossessed if you do not keep up repayments on your mortgage.

Below are all of our current mortgage products and interest rates. If you have any questions about our rates please call us on .

Maximum Loan to Valuation (LTV) of 90%

Maximum Loan to Valuation (LTV) of 85%

Maximum Loan to Valuation (LTV) of 80%

Maximum Loan to Valuation (LTV) of 75%

Maximum Loan to Valuation (LTV) of 95%

Maximum Loan to Valuation (LTV) of 90%

Maximum Loan to Valuation (LTV) of 85%

Maximum Loan to Valuation (LTV) of 80%

Maximum Loan to Valuation (LTV) of 75%

Maximum Loan to Valuation (LTV) of 70%

10 Year Fixed Fee Saver*
2 Year Fixed Standard
2 Year Fixed Premier Standard Premier Financial Solution Premier Customers Only
2 Year Fixed Fee Saver*
3 Year Fixed Standard
3 Year Fixed Premier Standard Premier Financial Solution Premier Customers Only
3 Year Fixed Fee Saver*
5 Year Fixed Standard
5 Year Fixed Premier Standard Premier Financial Solution Premier Customers Only
5 Year Fixed Fee Saver*

Maximum Loan to Valuation (LTV) of 60%

10 Year Fixed Fee Saver*
2 Year Fixed Standard
2 Year Fixed Premier Standard Premier Financial Solution Premier Customers Only
2 Year Fixed Fee Saver*
3 Year Fixed Standard
3 Year Fixed Premier Standard Premier Financial Solution Premier Customers Only
3 Year Fixed Fee Saver*
5 Year Fixed Standard
5 Year Fixed Premier Standard Premier Financial Solution Premier Customers Only
5 Year Fixed Fee Saver*

Maximum Loan to Valuation (LTV) of 90%

2 Year Term Tracker Standard

Maximum Loan to Valuation (LTV) of 85%

2 Year Term Tracker Standard

Maximum Loan to Valuation (LTV) of 80%

2 Year Term Tracker Standard

Maximum Loan to Valuation (LTV) of 75%

2 Year Term Tracker Standard

Maximum Loan to Valuation (LTV) of 70%

2 Year Term Tracker Standard

Maximum Loan to Valuation (LTV) of 60%

2 Year Term Tracker Standard

Maximum Loan to Valuation (LTV) of 95%

Maximum Loan to Valuation (LTV) of 90%

Maximum Loan to Valuation (LTV) of 85%

Maximum Loan to Valuation (LTV) of 80%

Maximum Loan to Valuation (LTV) of 75%

Maximum Loan to Valuation (LTV) of 70%

10 Year Fixed Fee Saver*
2 Year Fixed Standard
2 Year Fixed Premier Standard Premier Financial Solution Premier Customers Only
2 Year Fixed Fee Saver*
3 Year Fixed Standard
3 Year Fixed Premier Standard Premier Financial Solution Premier Customers Only
3 Year Fixed Fee Saver*
5 Year Fixed Standard
5 Year Fixed Premier Standard Premier Financial Solution Premier Customers Only
5 Year Fixed Fee Saver*

Maximum Loan to Valuation (LTV) of 60%

10 Year Fixed Fee Saver*
2 Year Fixed Standard
2 Year Fixed Premier Standard Premier Financial Solution Premier Customers Only
2 Year Fixed Fee Saver*
3 Year Fixed Standard
3 Year Fixed Premier Standard Premier Financial Solution Premier Customers Only
3 Year Fixed Fee Saver*
5 Year Fixed Standard
5 Year Fixed Premier Standard Premier Financial Solution Premier Customers Only
5 Year Fixed Fee Saver*

Maximum Loan to Valuation (LTV) of 90%

2 Year Term Tracker Standard

Maximum Loan to Valuation (LTV) of 85%

2 Year Term Tracker Standard

Maximum Loan to Valuation (LTV) of 80%

2 Year Term Tracker Standard

Maximum Loan to Valuation (LTV) of 75%

2 Year Term Tracker Standard

Maximum Loan to Valuation (LTV) of 70%

2 Year Term Tracker Standard

Maximum Loan to Valuation (LTV) of 60%

2 Year Term Tracker Standard

Maximum Loan to Valuation (LTV) of 90%

Maximum Loan to Valuation (LTV) of 85%

Maximum Loan to Valuation (LTV) of 80%

Maximum Loan to Valuation (LTV) of 75%

Maximum Loan to Valuation (LTV) of 70%

10 Year Fixed Fee Saver*
2 Year Fixed Standard
2 Year Fixed Premier Standard Premier Financial Solution Premier Customers Only
2 Year Fixed Fee Saver*
3 Year Fixed Standard
3 Year Fixed Premier Standard Premier Financial Solution Premier Customers Only
3 Year Fixed Fee Saver*
5 Year Fixed Standard
5 Year Fixed Premier Standard Premier Financial Solution Premier Customers Only
5 Year Fixed Fee Saver*

Maximum Loan to Valuation (LTV) of 60%

10 Year Fixed Fee Saver*
2 Year Fixed Standard
2 Year Fixed Premier Standard Premier Financial Solution Premier Customers Only
2 Year Fixed Fee Saver*
3 Year Fixed Standard
3 Year Fixed Premier Standard Premier Financial Solution Premier Customers Only
3 Year Fixed Fee Saver*
5 Year Fixed Standard
5 Year Fixed Premier Standard Premier Financial Solution Premier Customers Only
5 Year Fixed Fee Saver*

Maximum Loan to Valuation (LTV) of 90%

2 Year Term Tracker Standard

Maximum Loan to Valuation (LTV) of 85%

2 Year Term Tracker Standard

Maximum Loan to Valuation (LTV) of 80%

2 Year Term Tracker Standard

Maximum Loan to Valuation (LTV) of 75%

2 Year Term Tracker Standard

Maximum Loan to Valuation (LTV) of 70%

2 Year Term Tracker Standard

Maximum Loan to Valuation (LTV) of 60%

2 Year Term Tracker Standard

Maximum Loan to Valuation (LTV) of 90%

2 Year Fixed Standard Existing Premier Financial Solution Mortgage Holders only
2 Year Fixed Fee Saver* Existing Premier Financial Solution Mortgage Holders only
3 Year Fixed Standard Existing Premier Financial Solution Mortgage Holders only
3 Year Fixed Fee Saver* Existing Premier Financial Solution Mortgage Holders only
5 Year Fixed Standard Existing Premier Financial Solution Mortgage Holders only
5 Year Fixed Fee Saver* Existing Premier Financial Solution Mortgage Holders only

Maximum Loan to Valuation (LTV) of 85%

2 Year Fixed Standard Existing Premier Financial Solution Mortgage Holders only
2 Year Fixed Fee Saver* Existing Premier Financial Solution Mortgage Holders only
3 Year Fixed Standard Existing Premier Financial Solution Mortgage Holders only
3 Year Fixed Fee Saver* Existing Premier Financial Solution Mortgage Holders only
5 Year Fixed Standard Existing Premier Financial Solution Mortgage Holders only
5 Year Fixed Fee Saver* Existing Premier Financial Solution Mortgage Holders only

Maximum Loan to Valuation (LTV) of 80%

10 Year Fixed Fee Saver* Existing Premier Financial Solution Mortgage Holders only
2 Year Fixed Standard Existing Premier Financial Solution Mortgage Holders only
2 Year Fixed Fee Saver* Existing Premier Financial Solution Mortgage Holders only
3 Year Fixed Standard Existing Premier Financial Solution Mortgage Holders only
3 Year Fixed Fee Saver* Existing Premier Financial Solution Mortgage Holders only
5 Year Fixed Standard Existing Premier Financial Solution Mortgage Holders only
5 Year Fixed Fee Saver* Existing Premier Financial Solution Mortgage Holders only

Maximum Loan to Valuation (LTV) of 75%

10 Year Fixed Fee Saver* Existing Premier Financial Solution Mortgage Holders only
2 Year Fixed Standard Existing Premier Financial Solution Mortgage Holders only
2 Year Fixed Fee Saver* Existing Premier Financial Solution Mortgage Holders only
3 Year Fixed Standard Existing Premier Financial Solution Mortgage Holders only
3 Year Fixed Fee Saver* Existing Premier Financial Solution Mortgage Holders only
5 Year Fixed Standard Existing Premier Financial Solution Mortgage Holders only
5 Year Fixed Fee Saver* Existing Premier Financial Solution Mortgage Holders only

Maximum Loan to Valuation (LTV) of 70%

10 Year Fixed Fee Saver* Existing Premier Financial Solution Mortgage Holders only
2 Year Fixed Standard Existing Premier Financial Solution Mortgage Holders only
2 Year Fixed Fee Saver* Existing Premier Financial Solution Mortgage Holders only
2 Year Fixed Premier Standard Existing Premier Financial Solution Mortgage Holders only
3 Year Fixed Standard Existing Premier Financial Solution Mortgage Holders only
3 Year Fixed Fee Saver* Existing Premier Financial Solution Mortgage Holders only
3 Year Fixed Premier Standard Existing Premier Financial Solution Mortgage Holders only
5 Year Fixed Standard Existing Premier Financial Solution Mortgage Holders only
5 Year Fixed Fee Saver* Existing Premier Financial Solution Mortgage Holders only
5 Year Fixed Premier Standard Existing Premier Financial Solution Mortgage Holders only

Maximum Loan to Valuation (LTV) of 60%

10 Year Fixed Fee Saver* Existing Premier Financial Solution Mortgage Holders only
2 Year Fixed Standard Existing Premier Financial Solution Mortgage Holders only
2 Year Fixed Fee Saver* Existing Premier Financial Solution Mortgage Holders only
2 Year Fixed Premier Standard Existing Premier Financial Solution Mortgage Holders only
3 Year Fixed Standard Existing Premier Financial Solution Mortgage Holders only
3 Year Fixed Fee Saver* Existing Premier Financial Solution Mortgage Holders only
3 Year Fixed Premier Standard Existing Premier Financial Solution Mortgage Holders only
5 Year Fixed Standard Existing Premier Financial Solution Mortgage Holders only
5 Year Fixed Fee Saver* Existing Premier Financial Solution Mortgage Holders only
5 Year Fixed Premier Standard Existing Premier Financial Solution Mortgage Holders only

Maximum Loan to Valuation (LTV) of 90%

2 Year Term Tracker Standard Existing Premier Financial Solution# Mortgage Holders only

Maximum Loan to Valuation (LTV) of 85%

2 Year Term Tracker Standard Existing Premier Financial Solution Mortgage Holders only

Maximum Loan to Valuation (LTV) of 80%

2 Year Term Tracker Standard Existing Premier Financial Solution Mortgage Holders only

Maximum Loan to Valuation (LTV) of 75%

2 Year Term Tracker Standard Existing Premier Financial Solution Mortgage Holders only

Maximum Loan to Valuation (LTV) of 70%

2 Year Term Tracker Standard Existing Premier Financial Solution Mortgage Holders only

Maximum Loan to Valuation (LTV) of 60%

2 Year Term Tracker Standard Existing Premier Financial Solution Mortgage Holders only

Maximum Loan to Valuation (LTV) of 75%

Maximum Loan to Valuation (LTV) of 65%

Maximum Loan to Valuation (LTV) of 60%

Maximum Loan to Valuation (LTV) of 75%

Maximum Loan to Valuation (LTV) of 65%

Maximum Loan to Valuation (LTV) of 60%

* Click here to see what Fee Saver means

Standard Variable Rate

Our current Standard Variable Rate for residential mortgages is 3.94% and for Buy to Let mortgages is 5.00%, effective from 1st December 2017.

The Standard Variable Rate only applies when you reach the end of your fixed, tracker or discounted deal.

Our Mortgage Rates

We offer a range of mortgages designed to suit you.

Maximum Loan to Valuation (LTV) of 90%

Maximum Loan to Valuation (LTV) of 85%

Maximum Loan to Valuation (LTV) of 80%

Maximum Loan to Valuation (LTV) of 75%

Maximum Loan to Valuation (LTV) of 70%

Maximum Loan to Valuation (LTV) of 60%

Maximum Loan to Valuation (LTV) of 90%

Maximum Loan to Valuation (LTV) of 85%

Maximum Loan to Valuation (LTV) of 80%

Maximum Loan to Valuation (LTV) of 75%

Maximum Loan to Valuation (LTV) of 70%

Maximum Loan to Valuation (LTV) of 60%

Maximum Loan to Valuation (LTV) of 95%

Maximum Loan to Valuation (LTV) of 90%

Maximum Loan to Valuation (LTV) of 85%

Maximum Loan to Valuation (LTV) of 80%

Maximum Loan to Valuation (LTV) of 75%

Maximum Loan to Valuation (LTV) of 70%

Maximum Loan to Valuation (LTV) of 60%

Maximum Loan to Valuation (LTV) of 90%

Maximum Loan to Valuation (LTV) of 85%

Maximum Loan to Valuation (LTV) of 80%

Maximum Loan to Valuation (LTV) of 75%

Maximum Loan to Valuation (LTV) of 70%

Maximum Loan to Valuation (LTV) of 60%

Maximum Loan to Valuation (LTV) of 95%

Maximum Loan to Valuation (LTV) of 90%

Maximum Loan to Valuation (LTV) of 85%

Maximum Loan to Valuation (LTV) of 80%

Maximum Loan to Valuation (LTV) of 75%

Maximum Loan to Valuation (LTV) of 70%

Maximum Loan to Valuation (LTV) of 60%

Maximum Loan to Valuation (LTV) of 90%

Maximum Loan to Valuation (LTV) of 85%

Maximum Loan to Valuation (LTV) of 80%

Maximum Loan to Valuation (LTV) of 75%

Maximum Loan to Valuation (LTV) of 70%

Maximum Loan to Valuation (LTV) of 60%

Maximum Loan to Valuation (LTV) of 90%

Maximum Loan to Valuation (LTV) of 85%

Maximum Loan to Valuation (LTV) of 80%

Maximum Loan to Valuation (LTV) of 75%

Maximum Loan to Valuation (LTV) of 70%

Maximum Loan to Valuation (LTV) of 60%

Maximum Loan to Valuation (LTV) of 90%

Maximum Loan to Valuation (LTV) of 85%

Maximum Loan to Valuation (LTV) of 80%

Maximum Loan to Valuation (LTV) of 75%

Maximum Loan to Valuation (LTV) of 70%

Maximum Loan to Valuation (LTV) of 60%

Maximum Loan to Valuation (LTV) of 90%

Maximum Loan to Valuation (LTV) of 85%

Maximum Loan to Valuation (LTV) of 80%

Maximum Loan to Valuation (LTV) of 75%

Maximum Loan to Valuation (LTV) of 70%

Maximum Loan to Valuation (LTV) of 60%

Maximum Loan to Valuation (LTV) of 90%

Maximum Loan to Valuation (LTV) of 85%

Maximum Loan to Valuation (LTV) of 80%

Maximum Loan to Valuation (LTV) of 75%

Maximum Loan to Valuation (LTV) of 70%

Maximum Loan to Valuation (LTV) of 60%

Maximum Loan to Valuation (LTV) of 75%

Maximum Loan to Valuation (LTV) of 65%

Maximum Loan to Valuation (LTV) of 60%

Maximum Loan to Valuation (LTV) of 75%

Maximum Loan to Valuation (LTV) of 65%

Maximum Loan to Valuation (LTV) of 60%

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