Products

Fixed Rate Mortgage Products for Existing Customers

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
2167 5 Year Fixed Rate - up to 95% Loan to Value £0 £0 3.00% Fixed until 31 January 2026 5.19% 4.6% Annual Percentage Rate of Charge (APRC)* View
2162 5 Year Fixed Rate - up to 90% Loan to Value £0 £0 2.80% Fixed until 31 January 2026 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View
2163 5 Year Fixed Rate - up to 90% Loan to Value £995 £0 2.60% Fixed until 31 January 2026 5.19% 4.5% Annual Percentage Rate of Charge (APRC)* View
2157 5 Year Fixed Rate - up to 80% Loan to Value £0 £0 1.85% Fixed until 31 January 2026 5.19% 4.3% Annual Percentage Rate of Charge (APRC)* View
2158 5 Year Fixed Rate - up to 80% Loan to Value £995 £0 1.60% Fixed until 31 January 2026 5.19% 4.2% Annual Percentage Rate of Charge (APRC)* View
2170 5 Year Fixed Rate - up to 75% Loan to Value INTEREST ONLY** £0 £0 3.34% Fixed until 31 January 2026 5.19% 4.7% Annual Percentage Rate of Charge (APRC)* View
2153 5 Year Fixed Rate - up to 60% Loan to Value £0 £0 1.75% Fixed until 31 January 2026 5.19% 4.2% Annual Percentage Rate of Charge (APRC)* View
2166 2 Year Fixed Rate - up to 95% Loan to Value £0 £0 2.70% Fixed until 31 January 2023 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View
2160 2 Year Fixed Rate - up to 90% Loan to Value £0 £0 2.50% Fixed until 31 January 2023 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View
2161 2 Year Fixed Rate - up to 90% Loan to Value £995 £0 2.15% Fixed until 31 January 2023 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View
2155 2 Year Fixed Rate - up to 80% Loan to Value £0 £0 1.75% Fixed until 31 January 2023 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View
2156 2 Year Fixed Rate - up to 80% Loan to Value £995 £0 1.40% Fixed until 31 January 2023 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View
2169 2 Year Fixed Rate - up to 75% Loan to Value INTEREST ONLY** £0 £0 3.00% Fixed until 31 January 2023 5.19% 5.0% Annual Percentage Rate of Charge (APRC)* View
2151 2 Year Fixed Rate - up to 60% Loan to Value £0 £0 1.65% Fixed until 31 January 2023 5.19% 4.8% Annual Percentage Rate of Charge (APRC)* View
2152 2 Year Fixed Rate - up to 60% Loan to Value £995 £0 1.25% Fixed until 31 January 2023 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.

​** 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.

Completion must take place on or before 31 January 2021. Please note that if your mortgage does not complete by 31 January 2021, you will not benefit from the full fixed rate period quoted for that product.
 

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 fixed rate for 2 years fixed at 1.75% and then on our Standard Variable Rate (SVR) of 5.19% (variable) for the remaining 23 years you would pay:

1 monthly repayment of £5.99, followed by
24 monthly repayments of £514.02, followed by
276 monthly repayments of £723.18

The total amount payable would be £212,080.15 made up of the loan amount of £125,000.00 plus interest (£86,940.15) a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 4.6% 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.

Discount Mortgage Products for Existing Customers

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
2165 2 Year Discount - up to 95% 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
2164 2 Year Discount - up to 90% 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
2159 2 Year Discount - up to 80% 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
2168 2 Year Discount - up to 75% Loan to Value INTEREST ONLY** £0 £0 2.50% Variable for 2 years (our standard variable rate minus 2.69% discount) 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View
2154 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.

​** 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.
 

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 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 £499.32, followed by
276 monthly repayments of £721.61

The total amount payable would be £211,375.37 made up of the loan amount of £125,000.00 plus interest (£86,235.37) a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 4.6% 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.

Buy to Let Fixed Rate Mortgage Products for Existing Customers

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
2175 Buy to Let 5 Year Fixed - up to 75% Loan to Value £0 £0 2.25% Fixed until 31 January 2026 5.19% 4.4% Annual Percentage Rate of Charge (APRC)* View
2176 Buy to Let 5 Year Fixed - up to 75% Loan to Value £995 £0 2.08% Fixed until 31 January 2026 5.19% 4.4% Annual Percentage Rate of Charge (APRC)* View
2174 Buy to Let 3 Year Fixed Rate - up to 75% Loan to Value £0 £0 2.20% Fixed until 31 January 2024 5.19% 4.7% Annual Percentage Rate of Charge (APRC)* View
2172 Buy to Let 2 Year Fixed - up to 75% Loan to Value £0 £0 2.15% Fixed until 31 January 2023 5.19% 4.9% Annual Percentage Rate of Charge (APRC)* View
2173 Buy to Let 2 Year Fixed - up to 75% Loan to Value £995 £0 1.78% Fixed until 31 January 2023 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.

Completion must take place on or before 31 January 2021. Please note that if your mortgage does not complete by 31 January 2021, you will not benefit from the full fixed rate period quoted for that product.

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

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 interest only basis payable over 25 years initially on a fixed rate for 2 years fixed at 2.15% and then on our Standard Variable Rate (SVR) of 5.19% (variable) for the remaining 23 years you would pay:

1 monthly repayment of £7.36, followed by
24 monthly repayments of £223.57, followed by
276 monthly repayments of £538.37
1 final repayment of £125,000.00

The total amount payable would be £279,103.16 made up of the loan amount of £125,000.00 plus interest (£153,963.16) 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 an 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.

Buy to Let Discount Mortgage Products for Existing Customers

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
2171 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 Non-portfolio Investment Property):

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 interest only basis payable over 25 years initially on a discounted variable rate of 2.00% (equal to 3.19% 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 £116.44, followed by
24 monthly repayments of £207.99, followed by
276 monthly repayments of £538.37
1 final repayment of £125,000.00

The total amount payable would be £278,838.32 made up of the loan amount of £125,000.00 plus interest (£153,698.32) 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.

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