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Please note following the Bank of England Rate reduction, with effect from the 1 May 2020 the Society’s Mortgage Variable rate will reduce from 5.79% to 5.14%. If you choose a discount rate product and if the transfer is complete prior to 30 April the discount will initially apply to the Society’s current variable rate of 5.79% and will reduce in line with the changes from the 1st May.
| Discount Product Range Available to Existing Customers Only | ||||||||||
| Residential Discounts | ||||||||||
| Type | Term of product incentive | Initial Rate |
Revert Rate (MVR) |
APRC | Collar Rate | Max LTV | Tie in period | Product Fee(s) | Early Repayment Charge * | Product Code |
| Discount | 2 Years | 1.29% | 5.14% | 4.60% | 1.29% | 60% | 2 Years | £999 |
3% in the first year then tiered* |
DS323 |
| Discount | 2 Years | 1.49% | 5.14% | 4.60% | 1.49% | 60% | 2 Years | £0 |
3% in the first year then tiered* |
RDS44 |
| Discount | 2 Years | 1.59% | 5.14% | 4.70% | 1.59% | 80% | 2 Years | £999 | 3% in the first year then tiered* | DS324 |
| Discount | 2 Years | 1.76% | 5.14% | 4.60% | 1.76% | 80% | 2 Years | £0 | 3% in the first year then tiered* | RDS45 |
| Discount | 2 Years | 1.99% | 5.14% | 4.70% | 1.99% | 90% | 2 Years | £999 | 3% in the first year then tiered* | DS325 |
| Discount | 2 Years | 2.19% | 5.14% | 4.70% | 2.19% | 90% |
2 Years |
£0 | 3% in the first year then tiered* | RDS46 |
| Discount | 2 Years | 2.49% | 5.14% | 4.70% | 2.49% | 100% | 2 Years | £0 | 3% in the first year then tiered* | RDS47 |
| Fixed Rate Product Range Available to Existing Customers Only | ||||||||||
| Residential Fixed Rates | ||||||||||
| Type | Term of product incentive | Initial Rate |
Revert Rate (MVR) |
APRC | Collar Rate | Max LTV | Tie in period | Product Fee(s) | Early Repayment Charge * | Product Code |
| Fixed Rate | 2 Years | 1.69% | 5.14% | 4.70% | n/a | 60% | 2 Years | £999 | 3% in the first year then tiered* | 072FIX |
| Fixed Rate | 2 Years | 1.89% | 5.14% | 4.60% | n/a | 60% | 2 Years | £0 | 3% in the first year then tiered* | RFX55 |
| Fixed Rate | 2 Years | 1.79% | 5.14% | 4.70% | n/a | 70% | 2 Years | £999 | 3% in the first year then tiered* | 078FIX |
| Fixed Rate | 2 Years | 1.99% | 5.14% | 4.70% | n/a | 70% | 2 Years | £0 | 3% in the first year then tiered* | RFX62 |
| Fixed Rate | 2 Years | 1.89% | 5.14% | 4.70% | n/a | 80% | 2 Years | £999 | 3% in the first year then tiered* | 073FIX |
| Fixed Rate | 2 Years | 2.09% | 5.14% | 4.70% | n/a | 80% | 2 Years | £0 | 3% in the first year then tiered* | RFX56 |
| Fixed Rate | 2 Years | 2.39% | 5.14% | 4.80% | n/a | 90% | 2 Years | £999 | 3% in the first year then tiered* | 074FIX |
| Fixed Rate | 2 Years | 2.59% | 5.14% | 4.80% | n/a | 90% | 2 Years | £0 | 3% in the first year then tiered* | RFX57 |
| Fixed Rate | 2 Years | 2.99% | 5.14% | 4.90% | n/a | 100% | 2 Years | £0 | 3% in the first year then tiered* | RFX58 |
| Fixed Rate | 5 Years | 1.89% | 5.14% | 4.00% | n/a | 60% | 5 Years | £999 | 5% in the first and second year then tiered* | 075FIX |
| Fixed Rate | 5 Years | 1.99% | 5.14% | 3.90% | n/a | 60% | 5 Years | £0 | 5% in the first and second year then tiered* | RFX59 |
| Fixed Rate | 5 Years | 2.09% | 5.14% | 4.00% | n/a | 70% | 5 Years | £999 | 5% in the first and second year then tiered* | 079FIX |
| Fixed Rate | 5 Years | 2.19% | 5.14% | 4.00% | n/a | 70% | 5 Years | 0 | 5% in the first and second year then tiered* | RFX63 |
| Fixed Rate | 5 Years | 2.29% | 5.14% | 4.10% | n/a | 80% | 5 Years | £999 | 5% in the first and second year then tiered* | 076FIX |
| Fixed Rate | 5 Years | 2.39% | 5.14% | 4.10% | n/a | 80% | 5 Years | £0 | 5% in the first and second year then tiered* | RFX60 |
| Fixed Rate | 5 Years | 2.59% | 5.14% | 4.20% | n/a | 90% | 5 Years | £999 | 5% in the first and second year then tiered* | 077FIX |
| Fixed Rate | 5 Years | 2.69% | 5.14% | 4.20% | n/a | 90% | 5 Years | £0 | 5% in the first and second year then tiered* | RFX61 |
| Buy to Let | ||||||||||
| Type | Term of product incentive | Initial Rate |
Revert Rate (MVR) |
APRC | Collar Rate | Max LTV | Tie in period | Product Fee(s) | Early Repayment Charge * | Product Code |
| Discount | 2 Years | 2.55% | 5.14% | 4.90% | 2.55% | 65% | 2 Years | £0 | 3% in the first year then tiered* | BDS12 |
| Discount | 2 Years | 2.95% | 5.14% | 5.00% | 2.95% | 75% | 2 Years | £0 | 3% in the first year then tiered* | BDS13 |
| Discount | 2 Years | 1.99% | 5.14% | 4.90% | 1.99% | 65% | 2 years | £995 | 3% in the first year then tiered* | LET30 |
| Discount | 2 Years | 2.39% | 5.14% | 4.90% | 2.39% | 75% | 2 years | £995 | 3% in the first year then tiered* | LET31 |
| Fixed Rate | 2 years | 2.69% | 5.14% | 4.90% | N/A | 65% | 2 Years | £0 | 3% in the first year then tiered* | BFX06 |
| Fixed Rate | 2 years | 3.09% | 5.14% | 5.00% | N/A | 75% | 2 Years | £0 | 3% in the first year then tiered* | BFX07 |
| Fixed Rate | 2 years | 2.19% | 5.14% | 4.90% | N/A | 65% | 2 years | £1,495 | 3% in the first year then tiered* | FBTL37 |
| Fixed Rate | 2 years | 2.69% | 5.14% | 5.00% | N/A | 75% | 2 years | £1,495 | 3% in the first year then tiered* | FBTL38 |
| Fixed Rate | 5 years | 2.89% | 5.14% | 4.60% | N/A | 65% | 5 years | £0 | 5% in the first and second year then tiered* | BFX08 |
| Fixed Rate | 5 years | 3.49% | 5.14% | 4.70% | N/A | 75% | 5 years | £0 | 5% in the first and second year then tiered* | BFX09 |
| Fixed Rate | 5 years | 2.49% | 5.14% | 4.50% | N/A | 65% | 5 years | £1,495 | 5% in the first and second year then tiered* | FBTL39 |
| Fixed Rate | 5 years | 3.19% | 5.14% | 4.70% | N/A | 75% | 5 years | £1.495 | 5% in the first and second year then tiered* | FBTL40 |
| Consumer Buy to Let | ||||||||||
| Type | Term of product incentive | Initial Rate |
Revert Rate (MVR) |
APRC | Collar Rate | Max LTV | Tie in period | Product Fee(s) | Early Repayment Charge * | Product Code |
| Discount | 2 Years | 2.55% | 5.14% | 4.90% | 2.55% | 65% | 2 Years | £0 | 3% in the first year then tiered* | CBTL15 |
| Discount | 2 Years | 2.95% | 5.14% | 5.00% | 2.95% | 75% | 2 Years | £0 | 3% in the first year then tiered* | CBTL16 |
| Holiday Let | ||||||||||
| Type | Term of product incentive | Initial Rate |
Revert Rate (MVR) |
APRC | Collar Rate | Max LTV | Tie in period | Product Fee(s) | Early Repayment Charge * | Product Code |
| Discount | 2 Years | 2.99% | 5.14% | 4.90% | 2.99% | 65% | 2 Years | £0 | 3% in the first year then tiered* | HLTR4 |
| Discount | 2 Years | 3.75% | 5.14% | 5.00% | 3.00% | 75% | 2 Years | £0 | 3% in the first year then tiered* | HLTR5 |
*Please note that ERCs on products are Tiered. For example a 2 year product will have a 3% ERC in its first year and a 2% ERC in its second year.
The maximium term on all products is 35 years.
The maximum loan size on all products is £1,000,000.
For full product details please request an ESIS or contact us on 0800 988 1561
