Flexible fixed-rate mortgages
5-15 year fixed rate mortgages, giving you financial confidence that lasts.
We're here to help
At Perenna, we believe that if you can afford a home, then you should have the chance to own one.
That’s why we offer flexible fixed-rate mortgages from 5 to 15 years. You can choose a shorter term for flexibility or a longer one for certainty.
Remortgage
We want to take the ‘worry’ out of remortgaging. Perenna offers mortgages for every stage of your journey.
Home mover
Looking for your next home can be really exciting. Perenna can help you make your next move with confidence.
Dreaming about buying your first home?
Fix it right, first time with Perenna. Take the first step on the property ladder with us. You can own your own home with just a 5% deposit.
Let us make the most of your retirement
For us, age is just a number. We’ve removed age limits to give you more options. Take back your borrowing power.
How do I apply?
Perenna mortgages are available through independent mortgage brokers. Speak to your mortgage broker or visit Unbiased to find one near you. They can give you expert advice, tailored to your needs. Plus, they will know all about our mortgages, so they can help you find the right product and answer any questions along the way.
A mortgage that moves with you.
Our 5–15 year fixed-rate mortgages have a flexible early repayment charge (ERC). There is no ERC if you move home or sell your house. Or if you repay the mortgage in full using your own funds. You can also make extra payments of up to 10% per year without a charge. The ERC only applies during the fixed-rate period and only if you refinance, take a new product with us or another lender, or pay more than 10% extra.
What is the Perenna Reversion Rate?
When your fixed-rate deal ends, your mortgage will switch to the Perenna Reversion Rate. This is our version of what some call a Standard Variable Rate (SVR).
We’ll write to you before the end of your fixed rate to let you know the rate you’ll be moving onto, your new payments, and to give you some options which may include switching to a new product.
If you are on the Perenna Reversion Rate, we’ll write to you if the rate changes and let you know about your new payments.
Please read your offer document carefully to find out if your mortgage will revert to the Perenna Reversion Rate.
Current Perenna Reversion Rate: 7.5%
Creating a nation of happy homeowners
Brokers
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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 The Bloomsbury Building, 10 Bloomsbury Way, London, WC1A 2SL.
VAT number: 439664553
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