We have decreased the interest rates on our J1, J2, J2.5, Green, J3 and J4 LTV series.

J1 – Interest rates are shown without cash facility loading or interest servicing reductions

J1Cash BackSet Up FeeMinimum AdvanceAge RangeInterest Rate (MER)AER
 0%£0£10,00055+3.07%3.11%
 2%£0£10,00055-853.27%3.32%
 5%£0£10,00055-853.57%3.63%

J2 – Interest rates are shown without cash facility loading or interest servicing reductions

J2Cash BackSet Up FeeMinimum AdvanceAge RangeInterest Rate (MER)AER
 0%£0£10,00055+3.08%3.13%
 2%£0£10,00055-853.28%3.33%
 5%£0£10,00055-853.58%3.64%

 J2.5 – Interest rates are shown without cash facility loading or interest servicing reductions

J2.5Cash BackSet Up FeeMinimum AdvanceAge RangeInterest Rate (MER)AER
 0%£0£10,00055+3.54%3.60%
 2%£0£10,00055-853.74%3.80%
 5%£0£10,00055-854.04%4.12%

Green – Interest rates are shown without cash facility loading or interest servicing reductions

GreenCash BackSet Up FeeMinimum AdvanceAge RangeInterest Rate (MER)AER
 £50£0£10,00055+3.44%3.49%

 J3 – Interest rates are shown without cash facility loading or interest servicing reductions

J3Cash BackSet Up FeeMinimum AdvanceAge RangeInterest Rate (MER)AER
 0%£0£10,00055+4.14%4.22%
 2%£0£10,00055-854.33%4.42%
 4%£0£10,00055-854.54%4.64%
 5%£0£10,00055-854.64%4.74%

J4 – Interest rates are shown without cash facility loading or interest servicing reductions             

J4Cash BackSet Up FeeMinimum AdvanceAge RangeInterest Rate (MER)AER
 0%£0£10,00055+4.84%4.95%
 2%£0£10,00055-855.04%5.16%
 5%£0£10,00055-855.34%5.47%

 Please note:

  • The cash facility and interest serving options are not available on the J6 LTV series
  • For customers who choose to take the option of a cash facility, there will be a 0.05% increase to the MER rates (in order to then calculate the AER rates, you need to add the 0.05% increase to the MER first)
  • There are two tiers of interest rate reduction for those customers who choose to service some or all of the monthly interest:
    • If servicing below 25% of the monthly interest there will be no reduction
    • If servicing 25.01% +  of the monthly interest amount there will be a 0.20% reduction
  • All cashback is capped at £20,000

Just a click or call away

If you have any further questions on the information above or would like to discuss a specific case, please do contact your dedicated account manager on their usual number. Alternatively, our sales support team are ready to help: you can reach them on 0345 302 2287 or by email