Offset products include a 3.49% Flexx For Term with a £199 booking fee and a £1,800 arrangement fee with no early repayment charge available at 65% loan to value.
A reduced fee version is also available at 3.69% with a £199 booking fee and a £1,300 arrangement fee.
Buy-to-let mortgages being launched include a 2-year fixed rate, 65% LTV deals beginning at 3.75% with a £250 booking fee and £2,248 arrangement fee.
A reduced fee version is also available at 4.25% with a £250 booking fee with a £999 arrangement fee.
Colin Franklin, managing director at Godiva Mortgages, said: “The fees attached to mortgage products are often perceived as something to avoid, but in some cases you can save money on your mortgage by paying a flat fee and getting a lower interest rate in return.
“So borrowers requiring larger mortgages may be better off with a flat fee rather than a percentage fee.
“Our Flexx For Term range offers fantastic value with low rates from 3.49% and with no early repayment charges. Borrowers also have the flexibility to choose from a range of fee options.
“All products include a valuation up to the value of £670 for offset or £700 for buy-to-let loans and a legal package for those remortgaging to us.
“We plan to launch more products in the coming weeks.”
