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We think it’s time to do things differently. See how we can help break the remortgage cycle.

Break the cycle

Have you ever felt anxious about remortgaging? You are not alone. Fixing your rate over a longer term may help remove the worry of remortgaging.

Payment certainty

Fixing your rate for the full mortgage term means you don’t have to worry about your payments going up. Meaning you can plan for the future.

Flexibility as standard

You can take your mortgage with you when you move home. After five years, if you’d like to change your mortgage deal, no problem. There’s no charge.

How much can I borrow?

This depends on a couple of things. We’ll need to look at the amount you earn and how much you spend. We do this to make sure you (and anyone else you’re buying a home with) can afford the mortgage.

Why should I fix my rate?

We think people are happiest when they aren’t worrying about money and we think our long-term fixed rate can help. You’ll know exactly what you must pay each month for your whole mortgage term. This allows you to plan for the future.

Flexibility matters

We get it. 40 years is a long time. You don’t know how your life will look in that time. And that’s why we’ve made sure our mortgage product comes with flexibility as standard.

If you decide to move home, you can take your mortgage with you, no problem. If rates come down and you’d like to change your deal or make unlimited overpayments that’s absolutely fine. You can do that without charge after five years.

Making greener choices

We want to help you make better choices for your home and the environment. If you want to make your home greener, great. We’ll help you to do that. In fact, we’ll even reward you with a lower mortgage rate if you make your home more energy efficient.

 

You could lose your home if you don’t keep up your mortgage repayments.

 

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Perenna Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 956138. Perenna Bank PLC is a company registered in England and Wales with company number 13084174. Our registered office is at 20 Eastbourne Terrace LONDON W2 6LG.

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