¹ The actual rate available will depend upon your client's circumstances. Please provide your client with a personalised illustration.

² Your client will receive a cashback on completion of their mortgage. Not available for mortgage transfers or additional borrowing.

⁴ If you recommend an interest only mortgage, your client must have a clearly understood and credible repayment strategy in line with the Society’s responsible lending criteria.

All our discounted mortgage products have a floored rate which means your interest rate will never go below this floored rate during the term of the product. To see the floored rate, please click on the View link next to the product.

Representative Example (based on a residential property purchase):

The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your main residential property: A mortgage of £125,000.00 on a capital and interest (repayment) basis payable over 25 years initially on a discounted variable rate of 5.80% (equal to 2.44% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 8.24% (variable) for the remaining 23 years you would pay:

1 monthly repayment of £336.75, followed by

24 monthly repayments of £786.48, followed by

276 monthly repayments of £966.54

The total amount payable would be £286,117.31 made up of the loan amount of £125,000.00 plus interest (£160,977.31), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 7.9% APRC representative. Please note: the example above is for a residential property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details. 

¹ The actual rate available will depend upon your client's circumstances. Please provide your client with a personalised illustration.

² Your client will receive a cashback on completion of their mortgage. Not available for mortgage transfers or additional borrowing.

³ These products are not available for Portfolio Landlords, Regulated Buy to Let or Non-Homeowner borrowers.

All our discounted mortgage products have a floored rate which means your interest rate will never go below this floored rate during the term of the product. To see the floored rate, please click on the View link next to the product.

Representative Example (based on a Non-portfolio Investment Property purchase):

The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your investment property: A mortgage of £125,000.00 on an interest only basis payable over 25 years initially on a discounted variable rate of 6.10% (equal to 2.14% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 8.24% (variable) for the remaining 23 years you would pay:

1 monthly repayment of £354.17, followed by

24 monthly repayments of £632.31, followed by

276 monthly repayments of £852.53

1 final payment of £125,000.00

The total amount payable would be £375,967.89 made up of the loan amount of £125,000.00 plus interest (£250,827.89), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 8.1% APRC representative. Please note: the example above is for a regulated investment property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details.

¹ The actual rate available will depend upon your client's circumstances. Please provide your client with a personalised illustration.

² Your client will receive a cashback on completion of their mortgage. Not available for mortgage transfers or additional borrowing.

⁴ If you recommend an interest only mortgage, your client must have a clearly understood and credible repayment strategy in line with the Society’s responsible lending criteria.

All our discounted mortgage products have a floored rate which means your interest rate will never go below this floored rate during the term of the product. To see the floored rate, please click on the View link next to the product.

Representative Example (based on a residential property purchase):

The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your main residential property: A mortgage of £125,000.00 on a capital and interest (repayment) basis payable over 25 years initially on a discounted variable rate of 5.49% (equal to 2.75% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 8.24% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £318.75, followed by
24 monthly repayments of £763.48, followed by
276 monthly repayments of £964.83
The total amount payable would be £285,075.35 made up of the loan amount of £125,000.00 plus interest (£159,935.35), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 7.8% APRC representative. Please note: the example above is for a residential property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details. 

¹ The actual rate available will depend upon your client's circumstances. Please provide your client with a personalised illustration.

² Your client will receive a cashback on completion of their mortgage. Not available for mortgage transfers or additional borrowing.

³ These products are not available for Portfolio Landlords, Regulated Buy to Let or Non-Homeowner borrowers.

All our discounted mortgage products have a floored rate which means your interest rate will never go below this floored rate during the term of the product. To see the floored rate, please click on the View link next to the product.

Representative Example (based on a Non-portfolio Investment Property purchase):

The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your investment property: A mortgage of £125,000.00 on an interest only basis payable over 25 years initially on a discounted variable rate of 5.4% (equal to 2.84% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 8.24% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £313.52, followed by
24 monthly repayments of £560.06, followed by
276 monthly repayments of £852.57
1 final payment of £125,000.00

The total amount payable would be £374,204.28 made up of the loan amount of £125,000.00 plus interest (£249,064.28), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 8.0% APRC representative.

Please note: the example above is for a non-portfolio investment property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details.