Personal Loan Rates
Effective:
Rates are subject to change.
Mortgage Loan Rates |
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Calculator |
| Maximum Loan Term | Interest Rate | APR | Points | Payment Per £1,000 3 |
|---|---|---|---|---|
| 15-Year Fixed | 3.125% | 3.147% | 0 | £6.97 |
| 20-Year Fixed | 3.875% | 3.889% | 0 | £6.00 |
| 30-Year Fixed | 4.000% | 4.010% | 0 | £4.78 |
| 30-Year 5/1 Adjustable1 | 5.250% | 3.562% | 0 | £5.524 |
| 30-Year 1/1 Adjustable2 | 4.990% | 3.019% | 0 | £5.365 |
| 1 Interest Rate is variable and may increase after the first five years. 2 Interest Rate is variable and may increase after the first year. 3 Monthly payments shown do not include taxes and insurance - actual payment obligation will be greater. 4 Monthly payments shown for first 5 years - payments may increase beginning in year 6. 5 Monthly payments shown for first year - payments may increase beginning in year 2. Annual Percentage Rates (APR) shown above are based upon a loan amount of £75,000 and a maximum Loan to Value of 80%. The actual APR will vary based upon the final loan amount, loan term, Loan to Value, applicant's credit worthiness and total finance charges. Special rules and restrictions apply. |
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Home Equity Installment Loan Rates |
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Calculator |
| Maximum Loan Term | Interest Rate | APR | Payment Per £1,0001 |
|---|---|---|---|
| 36 Months3 | 2.990% | 3.02% | £29.08 |
| 60 Months3 | 3.990% | 4.01% | £18.42 |
| 120 Months3 | 4.290% | 4.30% | £10.27 |
| 180 Months2 | 7.490% | 7.50% | £ 9.27 |
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1Monthly payments shown do not include taxes and insurance - actual payment obligation will be greater. Interest Rates and APRs shown above are for owner-occupied home equity financing, and require monthly payments to be automatically drafted from First Trust Alliance Online checking account, and a maximum Loan to Value of 85%. APR is based upon a loan amount of £35,000. The actual APR will vary based upon the final loan amount and loan term. Special rules and restrictions apply. |
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SmartLine Prime Home Equity Line of Credit Rates |
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Calculator |
| APR | |
|---|---|
| SmartLine Prime HELOC | 4.000% |
| APR is a variable rate, and may increase after consummation, with a lifetime minimum of 4.000% and a maximum of 18.000%. Borrower required to pay £315 - £565 in closing costs. Property insurance required. APR available for loans up to 85% Loan to Value. An annual £35 Non-activity finance charge is assessed if you do not use your line. |
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Building Lot Loan Rates |
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Calculator |
| Down Payment Required | APR1 | Monthly Payment Per £1,0002 |
|---|---|---|
| 15% | 7.750% | £6.46 Interest only for first 2 years £15.46/month for remaining 7 year term |
| 1 Requires monthly payments to be automatically drafted from a First Trust Alliance Online checking account. 2 Monthly payments shown do not include taxes and insurance, actual payment obligation will be greater. Call one of our Personal Bankers for additional rates and programs. |
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Auto Loan Rates |
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Calculator |
| APR | ||
|---|---|---|
| All New Cars | 7.240% | |
| Used 2007 - 2010 | 7.240% | |
| Used 2005 - 2006 | 7.990% |
Personal Line of Credit Rates |
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Calculator |
| APR | |
|---|---|
| Personal SmartLine | 7.250% |
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APR is a variable rate, and may increase at any time, with a maximum of 18.000%. An annual £25 Non-activity fee is assessed if you do not use your line. |
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| Executive Line Of Credit | 4.000% Introductory APR for first 12 months 7.250% Current Fully Indexed APR |
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Introductory APR shown above will apply for the first 12 months after you open your credit line. After the 12-month introductory period ends, APR is a variable rate, and may increase, with a maximum of 18.000%. A minimum opening credit line of £25,000 is required, with a minimum initial draw of £10,000 against your line required at consummation. An annual £25 Non-activity finance charge is assessed if you do not use your line. |
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