- All Mortgages
- 95% LTV Products with Cashbacks
- Buy to let
- Further Advance
- Holiday let
- Residential
- Self build
- Short term lending

**Initial rate for 2 years**

4.24% discount off our Mortgage Variable Rate, then changing to

**The Society's Mortgage Variable Rate**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
### Representative Example

PRODUCT CODE - DS314

This is a 1.55% 2 year discounted variable rate mortgage. A 20% deposit is required.

This mortgage is available for both house purchase and remortgages.

A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

The minimum loan amount is £30,000 and the maximum loan amount is £800,000.

The maximum term available is 40 years.

This mortgage has a £999 fee which can be added to the mortgage or paid up front.

This product has a floor rate.

A mortgage of £155,000 payable over 25 years initially on a discounted rate for 2 years at 1.55% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £627.65 and 276 monthly payments of £955.91.

The total amount payable would be £279,389.76 made up of the loan amount plus interest (£277,875.76) an Application fee of £999, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.2% APRC representative.

Please note the example above is for a house purchase on a capital and interest repayment basis.

**Initial Rate for 2 years**

3.55% discount off our Mortgage Variable Rate, then changing to

**The Society’s Mortgage Variable Rate**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
### Representative Example

PRODUCT CODE - DS315

This is a 2.24% 2 year discounted variable rate mortgage. A 20% deposit is required.

This mortgage is available for both house purchase and remortgages.

A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

The minimum loan amount is £30,000 and the maximum loan amount is £750,000.

The maximum term available is 40 years.

This mortgage has a £999 fee which can be added to the mortgage or paid up front.

This product has a floor rate.

A mortgage of £180,000 payable over 25 years initially on a discounted rate for 2 years at 2.24% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £788.58 and 276 monthly payments of £1,115.60.

The total amount payable would be £327,326.52 made up of the loan amount plus interest (£325,812.52) an Application fee of £999, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.3% APRC representative.

Please note the example above is for a house purchase on a capital and interest repayment basis.

**Initial variable rate for 2 years**

3.25% discount off our Buy to Let Mortgage Variable Rate, then changing to

**The Society's Buy To Let Mortgage Variable Rate**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
### Representative Example

PRODUCT CODE - LET129

This is a 2.54% 2 year discounted variable rate mortgage. A 25% deposit is required.

This mortgage is available for both Buy to Let purchases and remortgages.

A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

The minimum loan amount is £50,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

This mortgage has a £995 fee which can be added to the mortgage or paid up front. This product has a floor rate.

If the product fee is added to the loan it must not exceed the maximum LTV.

A mortgage of £195,000 payable over 25 years initially on a discounted rate for 2 years at 2.54% and then on our Buy to Let Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £414.90 and 276 monthly payments of £945.78.

The total amount payable would be £467,537.88 made up of the loan amount plus interest (£465,992.88) an Application fee of £995, a CHAPS Fee of £20, a Valuation fee of £305, a Legal fee of £105 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 5.5% APRC representative.

Please note the example above is for a house purchase on an interest only basis.

**Initial variable rate for 2 years**

3.30% % discount off our Buy to Let Mortgage Variable Rate, then changing to

**The Society's Buy To Let Mortgage Variable Rate**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

### Representative Example

PRODUCT CODE - HLET003

This is a 2.49% 2 year discounted variable rate mortgage. A 35% deposit is required.

This mortgage is available for both house purchase and remortgages.

The minimum loan amount is £50,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

This mortgage has a £995 fee which can be added to the mortgage or paid up front. This product has a floor rate.

If the product fee is added to the loan it must not exceed the maximum LTV.

A mortgage of £163,500 payable over 25 years initially on a discounted rate for 2 years at 2.49% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £339.26 and 276 monthly payments of £788.91.

The total amount payable would be £390,926.40 made up of the loan amount plus interest (£389,381.40) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.5% APRC representative.

Please note the example above is for a house purchase on an interest only basis.

**Initial variable rate for 2 years**

3.70% discount off our Buy to Let Mortgage Variable Rate, then changing to

**The Society's Buy To Let Mortgage Variable Rate**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

### Representative Example

PRODUCT CODE - LET127

This is a 2.09% 2 year discounted variable rate mortgage. A 35% deposit is required.

This mortgage is available for both house purchase and remortgages.

The minimum loan amount is £50,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

This mortgage has a £995 fee which can be added to the mortgage or paid up front. This product has a floor rate.

If the product fee is added to the loan it must not exceed the maximum LTV.

A mortgage of £162,500 payable over 25 years initially on a discounted rate for 2 years at 2.09% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £283.02 and 276 monthly payments of £784.08.

The total amount payable would be £387,243.56 made up of the loan amount plus interest (£385,698.56) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.5% APRC representative.

Please note the example above is for a house purchase on an interest only basis.

**Initial variable rate for 2 years**

2.74% discount off our Buy to Let Mortgage Variable Rate, then changing to

**The Society's Buy To Let Mortgage Variable Rate**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

This mortgage has a £995 fee which can be added to the mortgage or paid up front. This product has a floor rate.

### Representative Example

PRODUCT CODE - CBTL07

This is a 3.05% 2 year discounted variable rate mortgage. A 35% deposit is required.

This mortgage is available for both house purchase and remortgages.

The minimum loan amount is £50,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

If the product fee is added to the loan it must not exceed the maximum LTV.

A mortgage of £230,000 payable over 25 years initially on a discounted rate for 2 years at 3.05% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £584.58 and 276 monthly payments of £1,109.79.

The total amount payable would be £551,926.96 made up of the loan amount plus interest (£550,331.96) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £355.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.6% APRC representative.

Please note the example above is for a house purchase on an interest only basis.

**Initial variable rate for 2 years**

3.64% discount off our Mortgage Variable Rate, then changing to

**The Society’s Mortgage Variable Rate**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

### Representative Example

PRODUCT CODE - DS310

This is a 2.15% 2 year discounted variable rate mortgage. A 20% deposit is required.

This mortgage is available for both house purchase and remortgages.

There are no early repayment charges applicable on this product and therefore unlimited overpayments are allowed.

The minimum loan amount is £30,000 and the maximum loan amount is £800,000.

The maximum term available is 40 years.

This mortgage has a £999 fee which can be added to the mortgage or paid up front.

This product has a floor rate.

A mortgage of £200,000 payable over 25 years initially on a discounted rate for 2 years at 2.15% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £862.39 and 276 monthly payments of £1,231.67.

The total amount payable would be £362,187.28 made up of the loan amount plus interest (£360.638.28) an Application fee of £999, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.3% APRC representative.

Please note the example above is for a house purchase on a capital and interest repayment basis.

**Initial variable rate for 2 years**

2.55% discount off our Mortgage Variable Rate, then changing to

**The Society’s Mortgage Variable Rate, currently**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

### Representative Example

PRODUCT CODE - DS312

This is a 3.24% 2 year discounted variable rate mortgage. A 5% deposit is required.

This mortgage is available for both house purchase and remortgages.

£300 Cashback payable on completion

A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable by the applicant.

The minimum loan amount is £30,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

This product has a floor rate.

A mortgage of £150,000 payable over 25 years initially on a discounted rate for 2 years at 3.24% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £730.18 and 276 monthly payments of £931.72.

The total amount payable would be £275,194.04 made up of the loan amount plus interest (£274,679.04) an Application fee of £0, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.5% APRC representative.

Please note the example above is for a house purchase on a repayment basis.

**Initial variable rate for 2 years**

3.60% discount off our Mortgage Variable Rate, then changing to

**The Society’s Mortgage Variable Rate**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

PRODUCT CODE - DS313

This is a 2.19% 2 year discounted variable rate mortgage. A 20% deposit is required.

This mortgage is available for both house purchase and remortgages.

The minimum loan amount is £30,000 and the maximum loan amount is £800,000.

The maximum term available is 40 years.

This product has a floor rate.

Representative Example

A mortgage of £155,000 payable over 25 years initially on a discounted rate for 2 years at 2.19% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £671.41 and 276 monthly payments of £954.86.

The total amount payable would be £280,170.20 made up of the loan amount plus interest (£279,655.20), a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.3% APRC representative.

Please note the example above is for a house purchase on a repayment basis

**Initial variable rate for 2 years**

1.05% discount off our Mortgage Variable Rate, then changing to

**The Society's Mortgage Variable Rate**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

### Representative Example

PRODUCT CODE - STD36

This is a 4.74% 2 year discounted variable rate mortgage. A 20% deposit is required.

This product is only available for self-build mortgages and is exclusive to BuildLoan.

If the build completes within the initial 2 year period then the customer will be able to switch to one of the Society's residential products.

The minimum loan amount is £50,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

This mortgage has a £1,500 fee which can be added to the mortgage or paid up front.

This product is an arrears stage payment mortgage meaning funds are released at the end of each stage.

This product has a floor rate of 3.00%

A mortgage of £200,000 payable over 25 years initially on a discounted rate for 2 years at 4.74% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £1,147.74 and 276 monthly payments of £1,264.75.

The total amount payable would be £377,146.76 made up of the loan amount plus interest (£375,096.76) an Application fee of £1,500.00, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.8% APRC representative.

Please note the example above is for a house purchase on a capital and interest repayment basis.

**Initial variable rate for 2 years**

0.59% discount off our Mortgage Variable Rate, then changing to

**The Society’s Mortgage Variable Rate**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

### Representative Example

PRODUCT CODE - STD38

This is a 5.20% 2 year discounted variable rate mortgage. A 20% deposit is required.

This product is only available for self-build mortgages and is exclusive to BuildLoan..

If the build completes within the initial 2 year period then the customer will be able to switch to one of the Society's residential products.

The minimum loan amount is £50,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

This mortgage has a £1,500 fee which can be added to the mortgage or paid up front.

This product is an advance stage payment mortgage meaning funds are released at the start of each stage.

This product has a floor rate of 3.00%

A mortgage of £200,000 payable over 25 years initially on a discounted rate for 2 years at 5.20% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £1,201.67 and 276 monthly payments of £1,268.36.

The total amount payable would be £379,437.44 made up of the loan amount plus interest (£377,387.44) an Application fee of £1,500.00, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.9% APRC representative.

Please note the example above is for a house purchase on a capital and interest repayment basis.

**Initial variable rate for 2 years**

0.30% discount off our Mortgage Variable Rate, then changing to

**The Society’s Mortgage Variable Rate**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

### Representative Example

PRODUCT CODE - STD37

This is a 5.49% 2 year discounted variable rate mortgage. A 20% deposit is required.

This product is only available for self-build mortgages and is exclusive to BuildLoan.

If the build completes within the initial 2 year period then the customer will be able to switch to one of the Society's residential products.

The minimum loan amount is £50,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

This mortgage has no product fee.

This product is an arrears stage payment mortgage meaning funds are released at the end of each stage.

This product has a floor rate of 3.00%

A mortgage of £200,000 payable over 25 years initially on a discounted rate for 2 years at 5.49% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £1,227.10 and 276 monthly payments of £1,261.09.

The total amount payable would be £378,041.24 made up of the loan amount plus interest (£377,491.24), a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.9% APRC representative.

Please note the example above is for a house purchase on a capital and interest repayment basis.

**Initial variable rate for 2 years**

0.04% discount off our Mortgage Variable Rate, then changing to

**The Society’s Mortgage Variable Rate**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

If the build completes within the initial 2 year period then the customer will be able to switch to one of the Society's residential products.

### Representative Example

PRODUCT CODE - STD39

This is a 5.75% 2 year discounted variable rate mortgage. A 20% deposit is required.

This product is only available for self-build mortgages and is exclusive to BuildLoan.

The minimum loan amount is £50,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

This mortgage has no product fee.

This product is an advance stage payment mortgage meaning funds are released at the start of each stage.

This product has a floor rate of 3.00%

A mortgage of £200,000 payable over 25 years initially on a discounted rate for 2 years at 5.75% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £1,258.34 and 276 monthly payments of £1,262.98.

The total amount payable would be £379,312.64 made up of the loan amount plus interest (£378,762.64) , a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 6.0% APRC representative.

Please note the example above is for a house purchase on a capital and interest repayment basis.

**Initial variable rate for 2 years**

2.14% discount off our Buy to Let Mortgage Variable Rate, then changing to

**The Society's Buy To Let Mortgage Variable Rate**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

This mortgage has a £995 fee which can be added to the mortgage or paid up front. This product has a floor rate.

### Representative Example

PRODUCT CODE - LET105

This is a 3.65% 2 year discounted variable rate mortgage. A 35% deposit is required.

This mortgage is available for both house purchase and remortgages.

The minimum loan amount is £30,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

If the product fee is added to the loan it must not exceed the maximum LTV.

A mortgage of £175,000 payable over 25 years initially on a discounted rate for 2 years at 3.65% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £520.25 and 276 monthly payments of £825.32.

The total amount payable would be £411,844.32 made up of the loan amount plus interest (£410,299.32) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £280.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.7% APRC representative.

Please note the example above is for a house purchase on an interest only basis.

**Initial variable rate for 2 years**

1.89% discount off our Buy to Let Mortgage Variable Rate, then changing to

**The Society's Buy To Let Mortgage Variable Rate**

for the remaining term of the mortgage

**Overall rate for comparison**

**Product fee**

Show Representative Example
A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

This mortgage has a £995 fee which can be added to the mortgage or paid up front. This product has a floor rate.

### Representative Example

PRODUCT CODE - LET110

This is a 3.90% 2 year discounted variable rate mortgage. A 25% deposit is required.

This mortgage is available for both house purchase and remortgages.

The minimum loan amount is £30,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

If the product fee is added to the loan it must not exceed the maximum LTV.

A mortgage of £170,000 payable over 25 years initially on a discounted rate for 2 years at 3.90% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £555.88 and 276 monthly payments of £825.33.

The total amount payable would be £412,292.20 made up of the loan amount plus interest (£410,782.20) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.7% APRC representative.

Please note the example above is for a house purchase on an interest only basis.

**Initial variable rate for 2 years**

2.15% discount off our Buy to Let Mortgage Variable Rate, then changing to

**The Society's Buy To Let Mortgage Variable Rate**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

This mortgage has a £995 fee which can be added to the mortgage or paid up front. This product has a floor rate.

### Representative Example

PRODUCT CODE - CBTL3

This is a 3.64% 2 year discounted variable rate mortgage. A 25% deposit is required.

This mortgage is available for both house purchase and remortgages.

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years. Please check ERC and vary accordingly

The minimum loan amount is £30,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

If the product fee is added to the loan it must not exceed the maximum LTV.

A mortgage of £120,000 payable over 25 years initially on a discounted rate for 2 years at 3.64% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £364.00 and 276 monthly payments of £579.04.

The total amount payable would be £290,061.04 made up of the loan amount plus interest (£288,551.04) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.7% APRC representative.

Please note the example above is for a house purchase on an interest only basis.

**Initial variable rate for 2 years**

1.95% discount off our Buy to Let Mortgage Variable Rate, then changing to

**The Society's Buy To Let Mortgage Variable Rate**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

This mortgage has a £995 fee which can be added to the mortgage or paid up front. This product has a floor rate.

### Representative Example

PRODUCT CODE - HLET004

This is a 3.84% 2 year discounted variable rate mortgage. A 25% deposit is required.

This mortgage is available for both holiday let purchases and remortgages.

The minimum loan amount is £50,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

If the product fee is added to the loan it must not exceed the maximum LTV.

A mortgage of £195,000 payable over 25 years initially on a discounted rate for 2 years at 3.84% and then on our Buy to Let Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £627.25 and 276 monthly payments of £945.79.

The total amount payable would be £472,637.04 made up of the loan amount plus interest (£471,092.04) an Application fee of £995, a CHAPS Fee of £20, a Valuation fee of £305, a Legal fee of £105 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 5.7% APRC representative.

Please note the example above is for a house purchase on an interest only basis.

**Initial variable rate for 2 years**

0.55% discount off our Mortgage Variable Rate

**A revert rate does not apply to this product as it has a maximum 2 year term**

**The overall cost for comparison is**

**Product fee**

Show Representative Example
### Representative Example

PRODUCT CODE - BRF05

This is a 5.24% 2 year discounted variable rate mortgage. A 40% deposit is required.

This mortgage is available for both house purchase and remortgages.

There is no early repayment charge for this mortgage and no restriction on overpayments.

The minimum loan amount is £30,000 and the maximum loan amount is £500,000.

The maximum term available is 2 years.

**Please Note:**

Applications will need to meet the Society’s standard lending criteria.

Repayments will be required throughout the term of the mortgage and interest will not be rolled up.

This mortgage has a £1,499 fee which can be added to the mortgage or paid up front. If adding the fee to the loan amount this must not exceed the maximum LTV. This product has a floor rate.

A mortgage of £90,000 payable over 2 years initially on a discounted rate for 2 years at 5.24% would require 24 monthly payments of £393.00.

The total amount payable would be £101,426 made up of the loan amount plus interest (£99,432) an Application fee of £1,499, a Valuation fee of £270, a Legal fee of £105 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 6.6% APRC representative.

Please note the example above is for a house purchase on an interest only basis.

**Initial variable rate for 2 years**

The Society's Mortgage Variable Rate plus 0.44%

**A revert rate does not apply to this product as it has a maximum 2 year term**

**The overall cost for comparison is**

**Product fee**

Show Representative Example
### Representative Example

PRODUCT CODE - BRF06

This is a 6.04% 2 year discounted variable rate mortgage. A 40% deposit is required.

This mortgage is available for both house purchase and remortgages.

There is no early repayment charge for this mortgage and no restriction on overpayments.

The minimum loan amount is £30,000 and the maximum loan amount is £500,000.

The maximum term available is 2 years.

**Please Note:**

Applications will need to meet the Society’s standard lending criteria.

Repayments will be required throughout the term of the mortgage and interest will not be rolled up.

This mortgage has a £499 fee which can be added to the mortgage or paid up front. If adding the fee to the loan amount this must not exceed the maximum LTV. This product has a floor rate.

A mortgage of £90,000 payable over 2 years initially on a discounted rate for 2 years at 6.04% would require 24 monthly payments of £453.00.

The total amount payable would be £101,866.00 made up of the loan amount plus interest (£100,872.00) an Application fee of £499, a Valuation fee of £270.00, a Legal fee of £105.00, and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 6.8% APRC representative.

Please note the example above is for a house purchase on an interest only basis..

**Initial fixed rate for 2 years**

then changing to....

**The Society's Mortgage Variable Rate currently**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

### Representative Example

PRODUCT CODE - 046FIX

This is a 2.23% 2 year fixed rate mortgage. A 20% deposit is required.

This mortgage is available for both house purchase and remortgages.

The minimum loan amount is £30,000 and the maximum loan amount is £800,000.

The maximum term available is 40 years.

This mortgage has a £1,250 fee which can be added to the mortgage or paid up front..

A mortgage of £185,000 payable over 25 years initially on a discounted rate for 2 years at 2.23% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £810.54 and 276 monthly payments of £1,147.86.

The total amount payable would be £336,792.32 made up of the loan amount plus interest (£334,992.32) an Application fee of £1250, a CHAPS Fee of £20, a Valuation fee of £305, a Legal fee of £105 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 5.3% APRC representative.

Please note the example above is for a house purchase on a repayment basis.

**Initial fixed rate for 2 years**

then changing to....

**The Society's Mortgage Variable Rate currently**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

### Representative Example

PRODUCT CODE - 047FIX

This is a 2.99% 2 year fixed rate mortgage. A 10% deposit is required.

This mortgage is available for both house purchase and remortgages.

The minimum loan amount is £30,000 and the maximum loan amount is £750,000.

The maximum term available is 40 years.

This mortgage has a £1,250 fee which can be added to the mortgage or paid up front..

A mortgage of £170,000 payable over 25 years initially on a discounted rate for 2 years at 2.99% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £811.29 and 276 monthly payments of £1,061.81.

The total amount payable would be £313,025.52 made up of the loan amount plus interest (£311,260.52) an Application fee of £1250, a CHAPS Fee of £20, a Valuation fee of £270, a Legal fee of £105 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 5.5% APRC representative.

Please note the example above is for a house purchase on a repayment basis.

**initial fixed rate for 5 years**

then changing to ......

**The Society's Buy To Let Mortgage Variable Rate**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

### Representative Example

PRODUCT CODE - FBTL32

This is a 3.99% 5 year fixed rate mortgage. A 25% deposit is required.

This mortgage is available for Unregulated Buy to Let purchases and remortgages.

An early repayment charge will apply if you repay all or part of your mortgage within the first 5 years. This charge will be applied on a sliding scale of 5% in the first year, 4% in the second year, 3% in the third year, 2% in the fourth year and 1% in the fifth year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 5 years.

The minimum loan amount is £50,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

This mortgage has a £1,495 fee which can be added to the mortgage or paid up front.

If the product fee is added to the loan it must not exceed the maximum LTV.

A mortgage of £195,000 payable over 25 years initially on a fixed rate for 5 years at 3.99% and then on our Buy to Let Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 20 years would require 60 monthly payments of £653.41 and 240 monthly payments of £948.20.

The total amount payable would be £463,817.60 made up of the loan amount plus interest (£461,772.60) an Application fee of £1495, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.The overall cost for comparison is 5.4% APRC representative.

Please note the example above is for a house purchase on an interest only basis.

**Initial fixed rate for 2 years**

then changing to ......

**The Society's Buy To Let Mortgage Variable Rate**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

### Representative Example

PRODUCT CODE - FBTL33

This is a 3.14% 2 year fixed rate mortgage. A 25% deposit is required.

This mortgage is available for Unregulated Buy to Let purchases and remortgages.

The minimum loan amount is £50,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

This mortgage has a £1,495 fee which can be added to the mortgage or paid up front.

If the product fee is added to the loan it must not exceed the maximum LTV.

A mortgage of £195,000 payable over 25 years initially on a fixed rate for 2 years at 3.14% and then on our Buy to Let Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £514.21 and 276 monthly payments of £948.20.

The total amount payable would be £471,089.24 made up of the loan amount plus interest (£469,044.24) an Application fee of £1,495, a CHAPS Fee of £20, a Valuation fee of £305, a Legal fee of £105 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 5.6% APRC representative.

Please note the example above is for a house purchase on an interest only basis.

**Initial fixed rate for 2 years**

then changing to ......

**The Society's Buy To Let Mortgage Variable Rate**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

### Representative Example

PRODUCT CODE - FBTL30

This is a 2.39% 2 year fixed rate mortgage. A 35% deposit is required.

This mortgage is available for Unregulated Buy to Let purchases and remortgages.

The minimum loan amount is £50,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

This mortgage has a £1,495 fee which can be added to the mortgage or paid up front.

If the product fee is added to the loan it must not exceed the maximum LTV.

A mortgage of £195,000 payable over 25 years initially on a fixed rate for 2 years at 2.39% and then on our Buy to Let Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £391.39 and 276 monthly payments of £948.21.

The total amount payable would be £468,144.32 made up of the loan amount plus interest (£466,099.32) an Application fee of £1495, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.The overall cost for comparison is 5.5% APRC representative.

Please note the example above is for a house purchase on an interest only basis.

**Initial fixed rate for 5 years**

then changing to ......

**The Society's Mortgage Variable Rate currently**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

### Representative Example

PRODUCT CODE - 037FIX

This is a 3.38% 5 year fixed rate mortgage. A 10% deposit is required.

This mortgage is available for both house purchase and remortgages.

An early repayment charge will apply if you repay all or part of your mortgage within the first 5 years. This charge will be applied on a sliding scale of 5% in the first year, 4% in the second year, 3% in the third year, 2% in the fourth year and 1% in the fifth year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 5 years.

The minimum loan amount is £30,000 and the maximum loan amount is £750,000.

The maximum term available is 40 years.

This mortgage has a £1,250 fee which can be added to the mortgage or paid up front.

A mortgage of £170,000 payable over 25 years initially on a fixed rate for 5 years at 3.38% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 20 years would require 60 monthly payments of £846.44 and 240 monthly payments of £1,039.04.

The total amount payable would be £300,651.00 made up of the loan amount plus interest (£298,886.00) an Application fee of £1250, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.The overall cost for comparison is 5.0% APRC representative.

Please note the example above is for a house purchase on a repayment basis.

**Initial fixed rate for 5 years**

then changing to ......

**The Society's Mortgage Variable Rate currently**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

### Representative Example

PRODUCT CODE - 036FIX

This is a 2.94% 5 year fixed rate mortgage. A 20% deposit is required.

This mortgage is available for both house purchase and remortgages.

An early repayment charge will apply if you repay all or part of your mortgage within the first 5 years. This charge will be applied on a sliding scale of 5% in the first year, 4% in the second year, 3% in the third year, 2% in the fourth year and 1% in the fifth year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 5 years.

The minimum loan amount is £30,000 and the maximum loan amount is £800,000.

The maximum term available is 40 years.

This mortgage has a £1,250 fee which can be added to the mortgage or paid up front.

A mortgage of £180,000 payable over 25 years initially on a fixed rate for 5 years at 2.94% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 20 years would require 60 monthly payments of £853.96 and 240 monthly payments of £1090.48.

The total amount payable would be £313,482.80 made up of the loan amount plus interest (£311,682.80) an Application fee of £1250, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.The overall cost for comparison is 4.8% APRC representative.

Please note the example above is for a house purchase on a repayment basis.

**Initial fixed rate for 5 years**

then changing to ......

**The Society’s Mortgage Variable Rate**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

An early repayment charge will apply if you repay all or part of your mortgage within the first 5 years. This charge will be applied on a sliding scale of 5% in the first year, 4% in the second year, 3% in the third year, 2% in the fourth year and 1% in the fifth year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 5 years.

### Representative Example

PRODUCT CODE - 044FIX

This is a 4.79% 5 year fixed rate mortgage. A 5% deposit is required.

A cashback of £500 is payable on completion of the mortgage. This mortgage is available for both house purchase and remortgages.

The minimum loan amount is £30,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

There is no product fee with this mortgage.

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 5 years at 4.79% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 20 years would require 60 monthly payments of £858.75 and 240 monthly payments of £932.89.

The total amount payable would be £275,913.60 made up of the loan amount plus interest (£275,398.60), a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.The overall cost for comparison is 5.5% APRC representative.

Please note the example above is for a house purchase on a repayment basis.

**Initial fixed rate for 2 years**

then changing to ......

**The Society's Buy To Let Mortgage Variable Rate**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

### Representative Example

PRODUCT CODE - FRHL06

This is a 2.84% 2 year fixed rate mortgage. A 35% deposit is required.

This mortgage is available for Holiday Let purchases and remortgages.

The minimum loan amount is £50,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

This mortgage has a £1,250 fee which can be added to the mortgage or paid up front.

If the product fee is added to the loan it must not exceed the maximum LTV.

A mortgage of £195000 payable over 25 years initially on a fixed rate for 2 years at 2.84% and then on our Buy to Let Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £464.51 and 276 monthly payments of £947.03.

The total amount payable would be £469,328.52 made up of the loan amount plus interest (£467,528.52) an Application fee of £1250, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.The overall cost for comparison is 5.6% APRC representative.

Please note the example above is for a house purchase on an interest only basis.

**Initial fixed rate for 2 years**

then changing to .......

**The Society's Mortgage Variable Rate currently**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

### Representative Example

PRODUCT CODE - 041FIX

This is a 4.49% 2 year fixed rate mortgage. A 5% deposit is required.

This mortgage is available for both house purchase and remortgages.

The minimum loan amount is £30,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

There is no product fee for this mortgage.

A mortgage of £155,000 payable over 25 years initially on a fixed rate for 2 years at 4.49% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £860.77 and 276 monthly payments of £971.35.

The total amount payable would be £289,246.08 made up of the loan amount plus interest (£288,731.08), a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.The overall cost for comparison is 5.7% APRC representative.

Please note the example above is for a house purchase on a repayment basis.

**Initial fixed rate for 2 years**

then changing to ......

**The Society's Mortgage Variable Rate currently**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

### Representative Example

PRODUCT CODE - 043FIX

This is a 3.29% 2 year fixed rate mortgage. A 10% deposit is required.

This mortgage is available for both house purchase and remortgages.

The minimum loan amount is £30,000 and the maximum loan amount is £750,000.

The maximum term available is 40 years.

This mortgage has a £1,250 fee which can be added to the mortgage or paid up front..

A mortgage of £170,000 payable over 25 years initially on a discounted rate for 2 years at 3.29% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £838.25 and 276 monthly payments of £1,064.23.

The total amount payable would be £314,340.48 made up of the loan amount plus interest (£312,575.48) an Application fee of £1250, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.The overall cost for comparison is 5.6% APRC representative.

Please note the example above is for a house purchase on a repayment basis.

**Initial fixed rate for 2 years**

then changing to ......

**The Society's Mortgage Variable Rate currently**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

### Representative Example

PRODUCT CODE - 042FIX

This is a 2.49% 2 year fixed rate mortgage. A 20% deposit is required.

This mortgage is available for both house purchase and remortgages.

The minimum loan amount is £30,000 and the maximum loan amount is £800,000.

The maximum term available is 40 years.

This mortgage has a £1,250 fee which can be added to the mortgage or paid up front..

A mortgage of £185,000 payable over 25 years initially on a discounted rate for 2 years at 2.49% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £834.70 and 276 monthly payments of £1,150.31.

The total amount payable would be £338,048.36 made up of the loan amount plus interest (£336,248.36) an Application fee of £1250, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.The overall cost for comparison is 5.4% APRC representative.

Please note the example above is for a house purchase on a repayment basis.

**Initial fixed rate for 2 years**

then changing to ......

**The Society's Buy to Let Mortgage Variable Rate currently**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
A free legal and valuation package is available for standard remortgages in England and Wales with a contribution towards legal fees in Scotland. For purchases fees are payable the applicant.

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 2% in the first year and 1% in the second year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 2 years.

### Representative Example

PRODUCT CODE - FRHL08

This is a 3.99% 2 year fixed rate mortgage. A 25% deposit is required.

This mortgage is available for Holiday Let purchases and remortgages.

The minimum loan amount is £50,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

This mortgage has a £1,250 fee which can be added to the mortgage or paid up front.

If the product fee is added to the loan it must not exceed the maximum LTV.

A mortgage of £195,000 payable over 25 years initially on a fixed rate for 2 years at 3.99% and then on our Buy to Let Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £652.60 and 276 monthly payments of £947.02.

The total amount payable would be £473,839.92 made up of the loan amount plus interest (£472,039.92) an Application fee of £1,250, a CHAPS Fee of £20, a Valuation fee of £305. a Legal fee of £105 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 5.7% APRC representative. Please note the example above is for a house purchase on an interest only basis.