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We’ve gathered over 150 years of experience delivering reliable mortgages with exceptional levels of customer service you can depend on.
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.
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 |
| 1735 5 Year Fixed Rate - up to 95% Loan to Value WITH £500 CASHBACK² | £995 | £0 | 3.70% Fixed until 31 October 2027 | 5.69% | 4.9% Annual Percentage Rate of Charge (APRC)1 | View |
| 1734 2 Year Fixed Rate - up to 95% Loan to Value WITH £500 CASHBACK² | £0 | £0 | 3.74% Fixed until 31 October 2024 | 5.69% | 5.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 1749 5 Year Fixed Rate - up to 90% Loan to Value WITH £400 CASHBACK² (Minimum loan £100,000) | £0 | £0 | 3.42% Fixed until 31 October 2027 | 5.69% | 4.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 1750 5 Year Fixed Rate - up to 90% Loan to Value WITH £400 CASHBACK² (Minimum loan £100,000) | £995 | £0 | 3.22% Fixed until 31 October 2027 | 5.69% | 4.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 1747 2 Year Fixed Rate - up to 90% Loan to Value WITH £400 CASHBACK² (Minimum loan £100,000) | £0 | £0 | 3.41% Fixed until 31 October 2024 | 5.69% | 5.3% Annual Percentage Rate of Charge (APRC)1 | View |
| 1748 2 Year Fixed Rate - up to 90% Loan to Value WITH £400 CASHBACK² (Minimum loan £100,000) | £995 | £0 | 2.98% Fixed until 31 October 2024 | 5.69% | 5.3% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.
³ These products are not available for Portfolio Landlords, Regulated Buy to Let or Non-Homeowner borrowers.
Completion must take place on or before 31 October 2022. Please note that if your mortgage does not complete by 31 October 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 3.74% and then on our Standard Variable Rate (SVR) of 5.69% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £12.81, followed by
24 monthly repayments of £640.05, followed by
276 monthly repayments of £768.87
The total amount payable would be £227,666.93 made up of the loan amount of £125,000.00 plus interest (£102,526.93), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 5.4% 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.
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 |
| 1674 2 Year Discount - up to 95% Loan to Value WITH £500 CASHBACK² | £0 | £0 | 2.85% Variable for 2 years (our standard variable rate minus 2.84% discount) | 5.69% | 5.2% Annual Percentage Rate of Charge (APRC)1 | View |
| 1679 2 Year Discount - up to 90% Loan to Value WITH £400 CASHBACK² | £0 | £0 | 2.45% Variable for 2 years (our standard variable rate minus 3.24% discount) | 5.69% | 5.1% Annual Percentage Rate of Charge (APRC)1 | View |
| 1684 2 Year Discount - up to 85% Loan to Value WITH £400 CASHBACK² | £0 | £0 | 2.30% Variable for 2 years (our standard variable rate minus 3.39% discount) | 5.69% | 5.1% Annual Percentage Rate of Charge (APRC)1 | View |
| 1685 INTEREST ONLY⁴ 2 Year Discount - up to 75% Loan to Value | £495 | £0 | 2.24% Variable for 2 years (our standard variable rate minus 3.45% discount) | 5.69% | 5.3% Annual Percentage Rate of Charge (APRC)1 | View |
| 1686 INTEREST ONLY⁴ 2 Year Discount - up to 75% Loan to Value | £0 | £0 | 2.54% Variable for 2 years (our standard variable rate minus 3.15% discount) | 5.69% | 5.4% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.
² You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.
⁴ 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 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 2.85% (equal to 2.84% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 5.69% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £165.92, followed by
24 monthly repayments of £581.72, followed by
276 monthly repayments of £763.65
The total amount payable would be £225,034.60 made up of the loan amount of £125,000.00 plus interest (£99,894.60), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 5.2% 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.
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 |
| 1745 Buy to Let 5 Year Fixed Rate³ - up to 75% Loan to Value WITH £400 CASHBACK² (Minimum loan £100,000) | £0 | £0 | 3.19% Fixed until 31 October 2027 | 5.69% | 5.0% Annual Percentage Rate of Charge (APRC)1 | View |
| 1746 Buy to Let 5 Year Fixed Rate³ - up to 75% Loan to Value WITH £400 CASHBACK² (Minimum loan £100,000) | £995 | £0 | 2.95% Fixed until 31 October 2027 | 5.69% | 4.9% Annual Percentage Rate of Charge (APRC)1 | View |
| 1743 Buy to Let 2 Year Fixed Rate³ - up to 75% Loan to Value WITH £400 CASHBACK² (Minimum loan £100,000) | £0 | £0 | 3.27% Fixed until 31 October 2024 | 5.69% | 5.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 1744 Buy to Let 2 Year Fixed Rate³ - up to 75% Loan to Value WITH £400 CASHBACK² (Minimum loan £100,000) | £995 | £0 | 2.85% Fixed until 31 October 2024 | 5.69% | 5.4% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.
² You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.
³ These products are not available for Portfolio Landlords, Regulated Buy to Let or Non-Homeowner borrowers.
Completion must take place on or before 31 October 2022. Please note that if your mortgage does not complete by 31 October 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 £125,000.00 on an interest only basis payable over 25 years initially on a fixed rate for 2 years fixed at 3.27% and then on our Standard Variable Rate (SVR) of 5.69% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £11.20, followed by
24 monthly repayments of £339.73, followed by
276 monthly repayments of £590.00
1 final payment of £125,000.00
The total amount payable would be £296,144.72 made up of the loan amount of £125,000.00 plus interest (£171,004.72), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 5.4% 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.
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 |
| 1726 Buy to Let 2 Year Discount³ - up to 75% Loan to Value WITH £400 CASHBACK² | £0 | £0 | 2.65% Variable for 2 years (our standard variable rate minus 3.04% discount) | 5.69% | 5.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 1728 Regulated Buy to Let 2 Year Discount - up to 75% Loan to Value | £0 | £0 | 2.70% Variable for 2 years (our standard variable rate minus 2.99% discount) | 5.69% | 5.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 1729 Portfolio Buy to Let 2 Year Discount - up to 75% Loan to Value | £0 | £0 | 2.80% Variable for 2 years (our standard variable rate minus 2.89% discount) | 5.69% | 5.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 1727 Non-homeowner Buy to Let 2 Year Discount - up to 75% Loan to Value | £0 | £0 | 2.70% Variable for 2 years (our standard variable rate minus 2.99% discount) | 5.69% | 5.4% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.
² You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.
³ These products are not available for Portfolio Landlords, Regulated Buy to Let or Non-Homeowner borrowers.
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 2.65% (equal to 3.04% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 5.69% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £154.28, followed by
24 monthly repayments of £275.45, followed by
276 monthly repayments of £590.01
1 final payment of £125,000.00
The total amount payable would be £294,747.84 made up of the loan amount of £125,000.00 plus interest (£169,607.84), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 5.4% 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.
Fully trained and available over the phone or in every Leek United branch, our team of Qualified Mortgage Advisers are here to help you through every stage of the mortgage process. They’ll meet with you for an initial discussion, listen closely to your needs and circumstances, and guide you through it all.
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.
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
