* 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.

* 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.

* 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.

* 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.