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Mortgages From the Friendlier Face of Finance

As the friendly face of finance, we have gathered over 150 years of experience delivering reliable mortgage products which meet the needs of our customers.

Our team of Qualified Mortgage Advisers are available to support you throughout the whole process, helping you choose the right mortgage for your circumstances from our competitive range of products.

Obtaining a mortgage can be an exciting time for most people - whether you are getting the keys to your first home, improving your existing home or arranging your finances for the future.  Whatever the reason, we are here to help you.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Mortgage Products Available

Fixed Rate

A fixed rate for a set amount of time, providing you with stability and guaranteeing your monthly repayment amount, regardless of any changes in interest rates.

Once this fixed period ends, your mortgage rate will change back to our Standard Variable Rate (SVR) at the current rate at this time.

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
2 Year Fixed Rate - up to 90% Loan to Value £0 £0 2.34% fixed until 30 June 2022 5.69% 5.3% Annual Percentage Rate of Charge (APRC)* View
5 Year Fixed Rate - up to 90% Loan to Value WITH £250 CASHBACK £895 £100 2.40% fixed until 30 June 2025 5.69% 4.8% Annual Percentage Rate of Charge (APRC)* View
2 Year Fixed rate - up to 75% Loan to Value £895 £100 2.00% fixed until 30 June 2022 5.69% 5.3% 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 30 June 2020 for products with a Loan to value of 90% or below and on or before 30 June 2020 for products with a Loan to value of 95%.  Please note that if your mortgage does not complete by the above date, you will not benefit from the full fixed rate period quoted for that product.

Discount Mortgage

A discount mortgage is a type of variable-rate mortgage. The term 'discount' is used because the interest rate is set at a certain 'discount' below our Standard Variable Rate (SVR) for a set period of time.

Having a discount mortgage means you can be sure that your rate will always remain below our SVR for the length of the deal.

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
2 Year Discount - up to 90% Loan to Value £0 £199 1.90% Variable for 2 years (our standard variable rate minus 3.79%) 5.69% 5.3% Annual Percentage Rate of Charge (APRC)* View
2 Year Discount - up to 75% Loan to Value £0 £199 1.59% Variable for 2 years (our standard variable rate minus 4.10% discount) 5.69% 5.2% Annual Percentage Rate of Charge (APRC)* View
Interest Only 2 Year Discount - up to 75% Loan to Value** £0 £0 2.40% Variable for 2 years (our standard variable rate minus 3.29% discount) 5.69% 5.3% 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.

BTL Mortgage Products Available

BTL Fixed Rate Mortgages

A fixed rate for a set amount of time, providing you with stability and guaranteeing your monthly repayment amount, regardless of any changes in interest rates.

Once this fixed period ends, your mortgage rate will change back to our Standard Variable Rate (SVR) at the current rate at this time.

 

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
Buy to Let 5 Year Fixed Rate - up to 65% Loan to Value £895 (Non-Portfolio) £1895 (Portfolio) £100 2.60% Fixed until 30 June 2025 5.69% 4.9% Annual Percentage Rate of Charge (APRC)* View
Buy to Let 2 Year Fixed Rate - up to 65% Loan to Value £895 (Non-Portfolio) £1895 (Portfolio) £100 2.40% Fixed until 30 June 2022 5.69% 5.4% 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 30 June 2020 for products with a Loan to value of 90% or below and on or before 30 June 2020 for products with a Loan to value of 95%.  Please note that if your mortgage does not complete by the above date, you will not benefit from the full fixed rate period quoted for that product.

BTL Discount Mortgages

A discount mortgage is a type of variable-rate mortgage. The term 'discount' is used because the interest rate is set at a certain 'discount' below our Standard Variable Rate (SVR) for a set period of time.

Having a discount mortgage means you can be sure that your rate will always remain below our SVR for the length of the deal.

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
Buy to Let 2 Year Discount - up to 65% Loan to Value £0 £199 (Non-Portfolio) £1199 (Portfolio) 1.80% Variable for 2 years (our standard variable rate minus 3.89% discount) 5.69% 5.3% 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.

Call us free between 9am - 5pm (Monday - Friday) on 0808 169 6680 to make an appointment with one of our Qualified Mortgage Advisers.

Appointments available between:

8am - 7pm Monday - Thursday

8am - 5pm - Friday

9am - 4pm - Saturday

If you call outside these hours please leave a message and we will call back as soon as possible during office hours.

Make an appointment with a Qualified Mortgage Adviser or call 0808 169 6680

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE