The monthly repayments are variable and the interest rate will be set at a pre-determined discount from the Society’s underlying variable rate for an initial period eg 2 or 3 years. The monthly repayment will increase or decrease in line with the Society’s decision to change its underlying variable rate. At the end of the discounted period the interest rate will revert to the Society’s underlying variable rate.

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

**Initial variable rate for 2 years**

4.30% 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
### Representative Example

PRODUCT CODE - DS303

This is a 1.24% 2 year discounted variable rate mortgage. A 25% 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 1.24% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £605.19 and 276 monthly payments of £932.11.

The total amount payable would be £273,360.92 made up of the loan amount plus interest (£271,811.92) 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 4.8% 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**

4.05% 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
### Representative Example

PRODUCT CODE - DS296

This is a 1.49% 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 1.49% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £623.34 and 276 monthly payments of £934.12.

The total amount payable would be £273,272.28 made up of the loan amount plus interest (£271,758.28) an Application fee of £999, a CHAPS Fee of £20.00, a Valuation fee of £195.00, 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 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
### Representative Example

PRODUCT CODE - DS301

This is a 1.90% 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.

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 1.90% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £842.38 and 276 monthly payments of £1,207.77.

The total amount payable would be £354,091.64 made up of the loan amount plus interest (£352,542.64) 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 4.8% 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**

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.

### Representative Example

PRODUCT CODE - DS297

This is a 1.94% 2 year discounted variable 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 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 product has a floor rate.

A mortgage of £155,000 payable over 25 years initially on a discounted rate for 2 years at 1.94% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £652.65 and 276 monthly payments of £931.75.

The total amount payable would be £273,321.60 made up of the loan amount plus interest (£272,806.60), 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 5.0% APRC representative.

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

**Initial variable rate for 2 years**

3.50% 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.

### Representative Example

PRODUCT CODE - DS302

This is a 1.79% 2 year discounted variable 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 £995 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 2.04% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £770.88 and 276 monthly payments of £1088.88.

The total amount payable would be £319,527.00 made up of the loan amount plus interest (£318,017.00) 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 5.1% 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**

2.05% 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
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 - DS305

This is a 3.49% 2 year discounted variable rate mortgage. A 5% deposit is required.

This mortgage is available for both house purchase and remortgages.

£500 Cashback payable on completion

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 £142,500 payable over 25 years initially on a discounted rate for 2 years at 3.49% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £712.85 and 276 monthly payments of £867.11.

The total amount payable would be £256,898 made up of the loan amount plus interest (£256,408) an Application fee of £0, a CHAPS Fee of £20.00, a Valuation fee of £245.00, 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**

3.49% 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 - LET119

This is a 2.05% 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.

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 £215,000 payable over 25 years initially on a discounted rate for 2 years at 2.05% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £369.07 and 276 monthly payments of £997.39.

The total amount payable would be £500,757.32 made up of the loan amount plus interest (£499,162.32) 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 5.2% APRC representative.

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

**Initial variable for 2 years**

3.35% 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 - LET124

This is a 2.19% 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 £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 2.19% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £357.77 and 276 monthly payments of £905.05.

The total amount payable would be £454,950.28 made up of the loan amount plus interest (£453,380.28) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00, an Insurance Administration fee of £25.00 , 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 an interest only basis

**Initial variable for 2 years**

3.10% 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.

PRODUCT CODE - LET118

This is a 2.44% 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 £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. This product has a floor rate.

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

**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.

### Representative Example

PRODUCT CODE - CBTL06

This is a 2.80% 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 £230,000 payable over 25 years initially on a discounted rate for 2 years at 2.80% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £536.67 and 276 monthly payments of £1061.84.

The total amount payable would be £537,567.92 made up of the loan amount plus interest (£535,972.92) 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 5.3% APRC representative.

Please note the example above is for a house purchase on an interest only 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 3.40% 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 3.40% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £498.78 and 276 monthly payments of £812.72.

The total amount payable would be £412,851.44 made up of the loan amount plus interest (£411,306.44) 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 5.4% 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 3.65% 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 £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 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £535.46 and 276 monthly payments of £812.72.

The total amount payable would be £413,731.76 made up of the loan amount plus interest (£412,186.76) 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 5.5% APRC representative.

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

**Initial variable rate for 2 years**

2.15% 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 3.39% 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 £150,000 payable over 25 years initially on a discounted rate for 2 years at 3.39% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £423.75 and 276 monthly payments of £692.50.

The total amount payable would be £352,835.00 made up of the loan amount plus interest (£351,325.00) 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 5.4% APRC representative.

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

**Initial variable rate for 2 years**

2.80% 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 - LET120

This is a 2.74% 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 £165000 payable over 25 years initially on a discounted rate for 2 years at 2.74% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £376.75 and 276 monthly payments of £761.75.

The total amount payable would be £385,855.00 made up of the loan amount plus interest (£384,310.00) 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 5.4% APRC representative.

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

**Initial variable rate for 2 years**

1.94% 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 - LET115

This is a 3.60% 2 year discounted variable rate mortgage. A 30% 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 £175,000 payable over 25 years initially on a discounted rate for 2 years at 3.60% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £525.00 and 276 monthly payments of £807.92.

The total amount payable would be £412,155.92 made up of the loan amount plus interest (£410,610.92) 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**

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 - LET123

This is a 3.95% 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 £200,000 payable over 25 years initially on a discounted rate for 2 years at 3.95% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £661.76 and 276 monthly payments of £928.14.

The total amount payable would be £473,618.88 made up of the loan amount plus interest (£472,073.88) 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**

1.30% 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

This is a 4.24% 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 £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 only available for self build mortgages, funds are released at the end of each stage following an interim valuation.

This product has a floor rate.

A mortgage of £200,000 payable over 25 years initially on a discounted rate for 2 years at 4.24% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £712.13 and 276 monthly payments of £930.47.

The total amount payable would be £475,975.84 made up of the loan amount plus interest (£473,925.84) an Application fee of £1500.00, 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 5.6% 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, 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 - STD32

This is a 4.99% 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 £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 only available for self build mortgages, funds are released at the end of each stage following an interim valuation.

This product has a floor rate.

A mortgage of £200,000 payable over 25 years initially on a discounted rate for 2 years at 4.99% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £831.85 and 276 monthly payments of £923.55.

The total amount payable would be £475,439.20 made up of the loan amount plus interest (£474,889.20) an Application fee of £0, 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 variable rate for 2 years**

0.84% 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 - STD34

This is a 4.70% 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 £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 only available for self build mortgages, funds are released at the start of each stage.

This product has a floor rate.

A mortgage of £200,000 payable over 25 years initially on a discounted rate for 2 years at 4.70% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £1,143.25 and 276 monthly payments of £1,236.13.

The total amount payable would be £369,139.88 made up of the loan amount plus interest (£367,089.88) an Application fee of £1500.00, 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 5.6% 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**

0.29% 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 - STD35

This is a 5.25% 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 £50,000 and the maximum loan amount is £500,000.

The maximum term available is 40 years.

This product is only available for self build mortgages, funds are released at the start of each stage.

This product has a floor rate.

A mortgage of £200,000 payable over 25 years initially on a discounted rate for 2 years at 5.25% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £1,198.77 and 276 monthly payments of £1,231.10.

The total amount payable would be £369,084.08 made up of the loan amount plus interest (£368,534.08) no Application fee, 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 5.7% 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**

0.55% 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 4.99% 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 4.99% would require 24 monthly payments of £380.59.

The total amount payable would be £101,153.16 made up of the loan amount plus interest (£99,139.16) an Application fee of £1499, 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 6.3% 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 4.79% 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 5.79% would require 24 monthly payments of £436.78.

The total amount payable would be £101,501.72 made up of the loan amount plus interest (£100,487.72) an Application fee of £499, 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 6.6% APRC representative.

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