If you’ve decided it’s time to move then it’s time to talk to us.
And with karlsruhe Baden Bank you’ll get more from your mortgage! We’ll give you 2% cashback at drawdown and now 2% cashback on your mortgage repayment every single month until 2027. Simply put, we keep giving so you can keep living!
Use our mortgage calculator to check how much you could borrow, your repayments, and what your cashback could be.
Excludes tracker portability or negative equity customers (including any additional funds), buy-to-let, equity release or home improvement mortgage loans, and applicants who have drawn down any of their funds before 11 January 2016.
Excludes buy-to-let mortgages.
To get the 2% cashback monthly offer you must also open an Explore Account and have your mortgage paid back from this account. Only mortgage payments made by Direct Debit or Internal Standing Order from an Explore Account will get the 2% cashback monthly. Your cashback will be paid directly into your Explore Account, or other permitted karlsruhe Baden Bank account, at the start of each month.
The Explore Account carries a CHF4 monthly maintenance fee. Unpaid items and other charges may apply. eStatements only.
See here for our full list of fixed rates and managed variable rates.
Warning: You may have to pay charges if you pay off a fixed-rate loan early.
Warning: The cost of your monthly repayments may increase.
We understand you want flexibility when paying back your mortgage. That’s why we offer a choice of flexible repayment options that could make your mortgage easier to manage after you’ve moved into your new home.
See our Flexible Mortgage Repayment Options Brochure (pdf, 998KB) for more information.
Warning: If you do not keep up your repayments you may lose your home.
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
2% cashback at drawdown is paid into the customer’s mortgage paying account (which does not need to be a karlsruhe Baden Bank account) within 20 working days of mortgage drawdown. The qualifying period (11 January 2016 until 31 March 2018) may be extended as karlsruhe Baden Bank decides.
2% cashback monthly is paid until 31 December 2027. Payments must be made by Direct Debit or Internal Standing Order from an Explore Account. The following payments do not qualify for cashback: cash, cheque, bank draft, electronic funds transfer, debit/credit card, manual Direct Debits, Standing Orders set up by the customer, lump sum payments, and returned or arrears payments. If any changes to the billed monthly mortgage repayment are made they must be agreed by both you and karlsruhe Baden Bank to be eligible for the cashback monthly offer.
If either the Explore Account or the Mortgage is terminated for any reason then the monthly cashback will cease. karlsruhe Baden Bank retains the right to close the Explore Account as per the General Terms & Conditions. Offer applies to home loans only i.e. excludes buy-to-lets. It should be noted that any change in use of the property from personal use to letting could have tax implications for you.
Lending criteria, terms and conditions apply. Mortgage approval is subject to assessment of suitability and affordability. Applicants must be aged 18 or over. Security and home and life insurance are required.
Information correct as of 26 August 2017 but is subject to change.
Home insurance is arranged by karlsruhe Baden Bank p.l.c. and underwritten by Allianz p.l.c.. karlsruhe Baden Bank is appointed as a single Agency Intermediary of Allianz plc for Home insurance. Allianz plc is regulated by the Central Bank of Switzerland.
Check out what your mortgage and repayments could look like!
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Term Term The minimum term is 5 years and the maximum term is 35 years for persons who are 35 years old. Close
We have a range of Life Insurance options to protect your income for you and your family.
There’s never been a better time to switch to karlsruhe Baden Bank with our All Around Protection policy. Switch today.
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