Products

 

Use the buttons below to help you navigate which mortgage products you wish to view:

New Customers: Residential Discount Residential Fixed Rate BTL Discount BTL Fixed Rate
 
Existing Customers: Residential Discount Residential Fixed Rate BTL Discount BTL Fixed Rate

Residential Discount Mortgages

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
1543 2 Year Discount - up to 90% Loan to Value WITH £500 CASHBACK^ £0 £0 2.29% Variable for 2 years (our standard variable rate minus 2.90% discount) 5.19% 4.7% Annual Percentage Rate of Charge (APRC)* View  
1556 2 Year Discount - up to 85% Loan to Value £0 £0 1.70% Variable for 2 years (our standard variable rate minus 3.49% discount) 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
1567 2 Year Discount - up to 80% Loan to Value WITH £400 CASHBACK^ £0 £0 1.49% Variable for 2 years (our standard variable rate minus 3.70% discount) 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View  
1553 INTEREST ONLY** 2 Year Discount - up to 75% Loan to Value £0 £0 2.09% Variable for 2 years (our standard variable rate minus 3.10% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1552 INTEREST ONLY** 2 Year Discount - up to 75% Loan to Value £495 £0 1.79% Variable for 2 years (our standard variable rate minus 3.40% discount) 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  

* The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

​** If you choose an interest only mortgage, you must have a clearly understood and credible repayment strategy in line with the Society’s responsible lending criteria.

^ You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.

 

Representative Example (based on a house 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 2.29% (equal to 2.90% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 5.19% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £133.32, followed by
24 monthly repayments of £546.63, followed by
276 monthly repayments of £726.45
The total amount payable would be £213,892.64 made up of the loan amount of £125,000.00 plus interest (£88,752.64) a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 4.7% 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. 

Residential Fixed Rate Mortgages

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
1569 5 Year Fixed Rate - up to 95% Loan to Value WITH £500 CASHBACK^ (Min loan £100,000) £0 £0 3.25% Fixed until 31 January 2027 5.19% 4.4% Annual Percentage Rate of Charge (APRC)* View  
1568 2 Year Fixed Rate - up to 95% Loan to Value WITH £500 CASHBACK^ (Min loan £100,000) £0 £0 2.99% Fixed until 31 January 2024 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1559 5 Year Fixed Rate - up to 90% Loan to Value WITH £400 CASHBACK^ (Min loan £100,000) £0 £0 2.80% Fixed until 31 January 2027 5.19% 4.2% Annual Percentage Rate of Charge (APRC)* View  
1560 5 Year Fixed Rate - up to 90% Loan to Value WITH £400 CASHBACK^ (Min loan £100,000) £995 £0 2.60% Fixed until 31 January 2027 5.19% 4.2% Annual Percentage Rate of Charge (APRC)* View  
1557 2 Year Fixed Rate - up to 90% Loan to Value WITH £400 CASHBACK^ (Min loan £100,000) £0 £0 2.42% Fixed until 31 January 2024 5.19% 4.7% Annual Percentage Rate of Charge (APRC)* View  
1563 5 Year Fixed Rate - up to 85% Loan to Value WITH £400 CASHBACK^ (Min loan £100,000) £0 £0 2.35% Fixed until 31 January 2027 5.19% 4.1% Annual Percentage Rate of Charge (APRC)* View  
1564 5 Year Fixed Rate - up to 85% Loan to Value WITH £400 CASHBACK^ (Min loan £100,000) £995 £0 2.15% Fixed until 31 January 2027 5.19% 4.0% Annual Percentage Rate of Charge (APRC)* View  
1561 2 Year Fixed Rate - up to 85% Loan to Value WITH £400 CASHBACK^ (Min loan £100,000) £0 £0 2.10% Fixed until 31 January 2024 5.19% 4.7% Annual Percentage Rate of Charge (APRC)* View  
1562 2 Year Fixed Rate - up to 85% Loan to Value WITH £400 CASHBACK^ (Min loan £100,000) £995 £0 1.60% Fixed until 31 January 2024 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
1597 2 Year Fixed Rate - up to 85% Loan to Value WITH £400 CASHBACK^ £995 £0 1.85% Fixed until 31 March 2024 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
1565 2 Year Fixed Rate - up to 80% Loan to Value WITH £400 CASHBACK^ (Min loan £100,000) £0 £0 1.95% Fixed until 31 January 2024 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
1566 2 Year Fixed Rate - up to 80% Loan to Value WITH £400 CASHBACK^ (Min loan £100,000) £495 £0 1.75% Fixed until 31 January 2024 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  

* The actual rate available will depend upon your circumstances, please ask for a personalised illustration.

^ You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.

Completion must take place on or before 31 January 2022. Please note that if your mortgage does not complete by 31 January 2022, you will not benefit from the full fixed rate period quoted for that 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 fixed rate for 2 years fixed at 2.99% and then on our Standard Variable Rate (SVR) of 5.19% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £10.24, followed by
24 monthly repayments of £590.69, followed by
276 monthly repayments of £730.47
The total amount payable would be £215,936.52 made up of the loan amount of £125,000.00 plus interest (£90,796.52), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 4.8% 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.

BTL Discount Mortgages

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
1545 Regulated Buy to Let 2 Year Discount - up to 75% Loan to Value £0 £0 2.00% Variable for 2 years (our standard variable rate minus 3.19% discount) 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1544 Portfolio Buy to Let 2 Year Discount - up to 75% Loan to Value £0 £0 2.20% Variable for 2 years (our standard variable rate minus 2.99% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1546 Non-homeowner Buy to Let 2 Year Discount - up to 75% Loan to Value £0 £0 2.00% Variable for 2 years (our standard variable rate minus 3.19% discount) 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  

* The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

Representative Example (based on a 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 2.20% (equal to 2.99% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 5.19% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £128.08, followed by
24 monthly repayments of £228.76, followed by
276 monthly repayments of £538.37
1 final payment of £125,000.00
The total amount payable would be £279,348.44 made up of the loan amount of £125,000.00 plus interest (£154,208.44) a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 4.9% APRC representative. Please note: the example above is for a 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.

BTL Fixed Rate Mortgages

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
1573 Buy to Let 5 Year Fixed Rate - up to 75% Loan to Value WITH £400 CASHBACK^ (Min loan £100,000) £0 £0 2.11% Fixed until 31 January 2027 5.19% 4.3% Annual Percentage Rate of Charge (APRC)* View  
1572 Buy to Let 2 Year Fixed Rate - up to 75% Loan to Value (Min loan £100,000) £0 £0 1.97% Fixed until 31 January 2024 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1574 Buy to Let 2 Year Fixed Rate - up to 75% Loan to Value (Min loan £100,000) £995 £0 1.59% Fixed until 31 January 2024 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1539 REMORTGAGE ONLY Buy to Let 2 Year Fixed Rate - up to 75% Loan to Value WITH £400 CASHBACK^ (Min loan £150,000) £0 £0 1.96% Fixed until 31 January 2024 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1548 Buy to Let 5 Year Fixed Rate - up to 65% Loan to Value WITH £400 CASHBACK^ £995 £0 1.96% Fixed until 31 January 2027 5.19% 4.3% Annual Percentage Rate of Charge (APRC)* View  
1570 Buy to Let 2 Year Fixed Rate - up to 65% Loan to Value (Min loan £100,000) £0 £0 1.85% Fixed until 31 January 2024 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1576 Buy to Let 2 Year Fixed Rate - up to 65% Loan to Value WITH £400 CASHBACK^ £995 £0 1.52% Fixed until 31 March 2024 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1571 Buy to Let 2 Year Fixed Rate - up to 65% Loan to Value (Min loan £100,000) £995 £0 1.47% Fixed until 31 January 2024 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  

* The actual rate available will depend upon your circumstances, please ask for a personalised illustration.

^ You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.

Completion must take place on or before 31 January 2022. Please note that if your mortgage does not complete by 31 January 2022, you will not benefit from the full fixed rate period quoted for that 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 £250,000.00 on an interest only basis payable over 25 years initially on a fixed rate for 2 years fixed at 1.59% and then on our Standard Variable Rate (SVR) of 5.19% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £10.89, followed by
24 monthly repayments of £330.83, followed by
276 monthly repayments of £1,076.74
1 final payment of £250,000.00
The total amount payable would be £556,266.05 made up of the loan amount of £250,000.00 plus interest (£305,131.05), product fee of £995, a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 4.8% 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.

Residential Discount Mortgages for Existing Customers

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
2386 2 Year Discount - up to 95% Loan to Value £0 £0 2.50% Variable for 2 years (our standard variable rate minus 2.69% discount) 5.19% 4.7% Annual Percentage Rate of Charge (APRC)* View  
2383 2 Year Discount - up to 90% Loan to Value £0 £0 1.85% Variable for 2 years (our standard variable rate minus 3.34% discount) 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
1543 2 Year Discount - up to 90% Loan to Value WITH £500 CASHBACK^ £0 £0 2.29% Variable for 2 years (our standard variable rate minus 2.90% discount) 5.19% 4.7% Annual Percentage Rate of Charge (APRC)* View  
2378 2 Year Discount - up to 85% Loan to Value £0 £0 1.55% Variable for 2 years (our standard variable rate minus 3.64% discount) 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
1556 2 Year Discount - up to 85% Loan to Value £0 £0 1.70% Variable for 2 years (our standard variable rate minus 3.49% discount) 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
2373 2 Year Discount - up to 80% Loan to Value £0 £0 1.47% Variable for 2 years (our standard variable rate minus 3.72% discount) 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View  
1567 2 Year Discount - up to 80% Loan to Value WITH £400 CASHBACK^ £0 £0 1.49% Variable for 2 years (our standard variable rate minus 3.70% discount) 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View  
2364 2 Year Discount - up to 75% Loan to Value £0 £0 0.99% Variable for 2 years (our standard variable rate minus 4.20% discount) 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View  
2387 INTEREST ONLY** 2 Year Discount - up to 75% Loan to Value £0 £0 2.09% Variable for 2 years (our standard variable rate minus 3.10% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1553 INTEREST ONLY** 2 Year Discount - up to 75% Loan to Value £0 £0 2.09% Variable for 2 years (our standard variable rate minus 3.10% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1552 INTEREST ONLY** 2 Year Discount - up to 75% Loan to Value £495 £0 1.79% Variable for 2 years (our standard variable rate minus 3.40% discount) 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  

* The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

​** If you choose an interest only mortgage, you must have a clearly understood and credible repayment strategy in line with the Society’s responsible lending criteria.

^ You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.

 

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 2.50% (equal to 2.69% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 5.19% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £145.55, followed by
24 monthly repayments of £559.64, followed by
276 monthly repayments of £727.74
The total amount payable would be £214,573.15 made up of the loan amount of £125,000.00 plus interest (£89,433.15), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 4.7% 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.

Residential Fixed Rate Mortgages for Existing Customers

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
1569 5 Year Fixed Rate - up to 95% Loan to Value WITH £500 CASHBACK^ (Min loan £100,000) £0 £0 3.25% Fixed until 31 January 2027 5.19% 4.4% Annual Percentage Rate of Charge (APRC)* View  
2385 5 Year Fixed Rate - up to 95% Loan to Value £0 £0 3.25% Fixed until 31 March 2027 5.19% 4.4% Annual Percentage Rate of Charge (APRC)* View  
2384 2 Year Fixed Rate - up to 95% Loan to Value £0 £0 2.99% Fixed until 31 March 2024 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1568 2 Year Fixed Rate - up to 95% Loan to Value WITH £500 CASHBACK^ (Min loan £100,000) £0 £0 2.99% Fixed until 31 January 2024 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
2382 5 Year Fixed Rate - up to 90% Loan to Value £995 £0 2.49% Fixed until 31 March 2027 5.19% 4.1% Annual Percentage Rate of Charge (APRC)* View  
2381 5 Year Fixed Rate - up to 90% Loan to Value £0 £0 2.69% Fixed until 31 March 2027 5.19% 4.2% Annual Percentage Rate of Charge (APRC)* View  
2380 2 Year Fixed Rate - up to 90% Loan to Value £495 £0 1.97% Fixed until 31 March 2024 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
1559 5 Year Fixed Rate - up to 90% Loan to Value WITH £400 CASHBACK^ (Min loan £100,000) £0 £0 2.80% Fixed until 31 January 2027 5.19% 4.2% Annual Percentage Rate of Charge (APRC)* View  
1560 5 Year Fixed Rate - up to 90% Loan to Value WITH £400 CASHBACK^ (Min loan £100,000) £995 £0 2.60% Fixed until 31 January 2027 5.19% 4.2% Annual Percentage Rate of Charge (APRC)* View  
2379 2 Year Fixed Rate - up to 90% Loan to Value £0 £0 2.20% Fixed until 31 March 2024 5.19% 4.7% Annual Percentage Rate of Charge (APRC)* View  
1557 2 Year Fixed Rate - up to 90% Loan to Value WITH £400 CASHBACK^ (Min loan £100,000) £0 £0 2.42% Fixed until 31 January 2024 5.19% 4.7% Annual Percentage Rate of Charge (APRC)* View  
1563 5 Year Fixed Rate - up to 85% Loan to Value WITH £400 CASHBACK^ (Min loan £100,000) £0 £0 2.35% Fixed until 31 January 2027 5.19% 4.1% Annual Percentage Rate of Charge (APRC)* View  
1564 5 Year Fixed Rate - up to 85% Loan to Value WITH £400 CASHBACK^ (Min loan £100,000) £995 £0 2.15% Fixed until 31 January 2027 5.19% 4.0% Annual Percentage Rate of Charge (APRC)* View  
1561 2 Year Fixed Rate - up to 85% Loan to Value WITH £400 CASHBACK^ (Min loan £100,000) £0 £0 2.10% Fixed until 31 January 2024 5.19% 4.7% Annual Percentage Rate of Charge (APRC)* View  
1562 2 Year Fixed Rate - up to 85% Loan to Value WITH £400 CASHBACK^ (Min loan £100,000) £995 £0 1.60% Fixed until 31 January 2024 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
2377 5 Year Fixed Rate - up to 85% Loan to Value £995 £0 2.00% Fixed until 31 March 2027 5.19% 4.0% Annual Percentage Rate of Charge (APRC)* View  
2376 5 Year Fixed Rate - up to 85% Loan to Value £0 £0 2.17% Fixed until 31 March 2027 5.19% 4.0% Annual Percentage Rate of Charge (APRC)* View  
2375 2 Year Fixed Rate - up to 85% Loan to Value £495 £0 1.60% Fixed until 31 March 2024 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
2374 2 Year Fixed Rate - up to 85% Loan to Value £0 £0 1.83% Fixed until 31 March 2024 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
1597 2 Year Fixed Rate - up to 85% Loan to Value WITH £400 CASHBACK^ £995 £0 1.85% Fixed until 31 March 2024 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
2372 5 Year Fixed Rate - up to 80% Loan to Value £995 £0 1.72% Fixed until 31 March 2027 5.19% 3.8% Annual Percentage Rate of Charge (APRC)* View  
2371 5 Year Fixed Rate - up to 80% Loan to Value £0 £0 1.87% Fixed until 31 March 2027 5.19% 3.9% Annual Percentage Rate of Charge (APRC)* View  
2370 2 Year Fixed Rate - up to 80% Loan to Value £495 £0 1.50% Fixed until 31 March 2024 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
1565 2 Year Fixed Rate - up to 80% Loan to Value WITH £400 CASHBACK^ (Min loan £100,000) £0 £0 1.95% Fixed until 31 January 2024 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
1566 2 Year Fixed Rate - up to 80% Loan to Value WITH £400 CASHBACK^ (Min loan £100,000) £495 £0 1.75% Fixed until 31 January 2024 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
2369 2 Year Fixed Rate - up to 80% Loan to Value £0 £0 1.70% Fixed until 31 March 2024 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View  
2368 5 Year Fixed Rate - up to 75% Loan to Value £995 £0 1.34% Fixed until 31 March 2027 5.19% 3.7% Annual Percentage Rate of Charge (APRC)* View  
2367 5 Year Fixed Rate - up to 75% Loan to Value £0 £0 1.54% Fixed until 31 March 2027 5.19% 3.7% Annual Percentage Rate of Charge (APRC)* View  
2389 INTEREST ONLY** 5 Year Fixed Rate - up to 75% Loan to Value £0 £0 2.79% Fixed until 31 March 2027 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View  
2366 2 Year Fixed Rate - up to 75% Loan to Value £495 £0 1.19% Fixed until 31 March 2024 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View  
2365 2 Year Fixed Rate - up to 75% Loan to Value £0 £0 1.37% Fixed until 31 March 2024 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View  
2388 INTEREST ONLY** 2 Year Fixed Rate - up to 75% Loan to Value £0 £0 2.59% Fixed until 31 March 2024 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
2363 5 Year Fixed Rate - up to 60% Loan to Value £995 £0 1.25% Fixed until 31 March 2027 5.19% 3.7% Annual Percentage Rate of Charge (APRC)* View  
2362 5 Year Fixed Rate - up to 60% Loan to Value £0 £0 1.39% Fixed until 31 March 2027 5.19% 3.7% Annual Percentage Rate of Charge (APRC)* View  
2361 2 Year Fixed Rate - up to 60% Loan to Value £495 £0 1.09% Fixed until 31 March 2024 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View  
2360 2 Year Fixed Rate - up to 60% Loan to Value £0 £0 1.29% Fixed until 31 March 2024 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View  

* The actual rate available will depend upon your circumstances, please ask for a personalised illustration.

​** If you choose an interest only mortgage, you must have a clearly understood and credible repayment strategy in line with the Society’s responsible lending criteria.

^ You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.

Completion must take place on or before 31 March 2022. Please note that if your mortgage does not complete by 31 March 2022, you will not benefit from the full fixed rate period quoted for that 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 fixed rate for 2 years fixed at 2.99% and then on our Standard Variable Rate (SVR) of 5.19% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £10.24, followed by
24 monthly repayments of £590.69, followed by
276 monthly repayments of £730.54
The total amount payable would be £215,955.84 made up of the loan amount of £125,000.00 plus interest (£90,815.84), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 4.8% 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.

BTL Discount Mortgage for Existing Customers

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
2399 Buy to Let 2 Year Discount - up to 75% Loan to Value £0 £0 1.60% Variable for 2 years (our standard variable rate minus 3.59% discount) 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
2405 Regulated Buy to Let 2 Year Discount - up to 75% Loan to Value £0 £0 2.00% Variable for 2 years (our standard variable rate minus 3.19% discount) 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1545 Regulated Buy to Let 2 Year Discount - up to 75% Loan to Value £0 £0 2.00% Variable for 2 years (our standard variable rate minus 3.19% discount) 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1544 Portfolio Buy to Let 2 Year Discount - up to 75% Loan to Value £0 £0 2.20% Variable for 2 years (our standard variable rate minus 2.99% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1546 Non-homeowner Buy to Let 2 Year Discount - up to 75% Loan to Value £0 £0 2.00% Variable for 2 years (our standard variable rate minus 3.19% discount) 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
2402 Portfolio Buy to Let 2 Year Discount - up to 75% Loan to Value £0 £0 1.65% Variable for 2 years (our standard variable rate minus 3.54% discount) 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
2394 Buy to Let 2 Year Discount - up to 60% Loan to Value £0 £0 1.50% Variable for 2 years (our standard variable rate minus 3.69% discount) 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  

* The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

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 1.50% (equal to 3.69% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 5.19% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £87.33, followed by
24 monthly repayments of £156.06, followed by
276 monthly repayments of £538.39
1 final payment of £125,000.00
The total amount payable would be £277,568.41 made up of the loan amount of £125,000.00 plus interest (£152,428.41), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 4.8% 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.

BTL Fixed Rate Mortgages for Existing Customers

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
2397 Buy to Let 5 Year Fixed Rate - up to 75% Loan to Value £0 £0 1.99% Fixed until 31 March 2027 5.19% 4.3% Annual Percentage Rate of Charge (APRC)* View  
1573 Buy to Let 5 Year Fixed Rate - up to 75% Loan to Value WITH £400 CASHBACK^ (Min loan £100,000) £0 £0 2.11% Fixed until 31 January 2027 5.19% 4.3% Annual Percentage Rate of Charge (APRC)* View  
2401 Portfolio Buy to Let 5 Year Fixed Rate - up to 75% Loan to Value £0 £0 2.04% Fixed until 31 March 2027 5.19% 4.3% Annual Percentage Rate of Charge (APRC)* View  
2400 Portfolio Buy to Let 2 Year Fixed Rate - up to 75% Loan to Value £0 £0 1.85% Fixed until 31 March 2024 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
2404 Regulated Buy to Let 5 Year Fixed Rate - up to 75% Loan to Value £0 £0 2.49% Fixed until 31 March 2027 5.19% 4.4% Annual Percentage Rate of Charge (APRC)* View  
2398 Buy to Let 5 Year Fixed Rate - up to 75% Loan to Value £995 £0 1.79% Fixed until 31 March 2027 5.19% 4.3% Annual Percentage Rate of Charge (APRC)* View  
1572 Buy to Let 2 Year Fixed Rate - up to 75% Loan to Value (Min loan £100,000) £0 £0 1.97% Fixed until 31 January 2024 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1574 Buy to Let 2 Year Fixed Rate - up to 75% Loan to Value (Min loan £100,000) £995 £0 1.59% Fixed until 31 January 2024 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1539 REMORTGAGE ONLY Buy to Let 2 Year Fixed Rate - up to 75% Loan to Value WITH £400 CASHBACK^ (Min loan £150,000) £0 £0 1.96% Fixed until 31 January 2024 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
2396 Buy to Let 2 Year Fixed Rate - up to 75% Loan to Value £495 £0 1.55% Fixed until 31 March 2024 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
2395 Buy to Let 2 Year Fixed Rate - up to 75% Loan to Value £0 £0 1.80% Fixed until 31 March 2024 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
2403 Regulated Buy to Let 2 Year Fixed Rate - up to 75% Loan to Value £0 £0 2.30% Fixed until 31 March 2024 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View  
1548 Buy to Let 5 Year Fixed Rate - up to 65% Loan to Value WITH £400 CASHBACK^ £995 £0 1.96% Fixed until 31 January 2027 5.19% 4.3% Annual Percentage Rate of Charge (APRC)* View  
1570 Buy to Let 2 Year Fixed Rate - up to 65% Loan to Value (Min loan £100,000) £0 £0 1.85% Fixed until 31 January 2024 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1576 Buy to Let 2 Year Fixed Rate - up to 65% Loan to Value WITH £400 CASHBACK^ £995 £0 1.52% Fixed until 31 March 2024 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
1571 Buy to Let 2 Year Fixed Rate - up to 65% Loan to Value (Min loan £100,000) £995 £0 1.47% Fixed until 31 January 2024 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
2344 Buy to Let 5 Year Fixed Rate - up to 60% Loan to Value £0 £0 1.89% Fixed until 31 January 2027 5.19% 4.3% Annual Percentage Rate of Charge (APRC)* View  
2392 Buy to Let 5 Year Fixed Rate - up to 60% Loan to Value £0 £0 1.89% Fixed until 31 March 2027 5.19% 4.3% Annual Percentage Rate of Charge (APRC)* View  
2393 Buy to Let 5 Year Fixed Rate - up to 60% Loan to Value £995 £0 1.70% Fixed until 31 March 2027 5.19% 4.2% Annual Percentage Rate of Charge (APRC)* View  
2390 Buy to Let 2 Year Fixed Rate - up to 60% Loan to Value £0 £0 1.70% Fixed until 31 March 2024 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  
2391 Buy to Let 2 Year Fixed Rate - up to 60% Loan to Value £495 £0 1.45% Fixed until 31 March 2024 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View  

* The actual rate available will depend upon your circumstances, please ask for a personalised illustration.

^ You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.

Completion must take place on or before 31 March 2022. Please note that if your mortgage does not complete by 31 March 2022, you will not benefit from the full fixed rate period quoted for that product.

 

Representative Example (based on a Regulated 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 fixed rate for 2 years fixed at 2.30% and then on our Standard Variable Rate (SVR) of 5.19% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £7.88, followed by
24 monthly repayments of £239.14, followed by
276 monthly repayments of £538.40
1 final payment of £125,000.00
The total amount payable would be £279,485.64 made up of the loan amount of £125,000.00 plus interest (£154,345.64), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 4.9% 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.

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