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Standard Life Bank&#39s futureperfect good for £61m

Standard Life Bank has announced it has approved £61m in loans through its new Futureperfect mortgage product in the first two days it has been available.

The product offers a guaranteed 6.25 per cent capped rate for the entire 25 year lifespan.

It is the first product of its kind, and the industry has received it warmly.

Many mortgage brokers say when they sell it to potential clients they will market it as a five year product with the option to continue.

Given the redemption structure of Futureperfect, after the initial five years, borrowers can escape with no penalty.

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