| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
Leek United Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Registered No: 100014
