Intermediary Products (Only for use by Mortgage Intermediaries)

For a full list of products available please click here

1.55% for 2 years Discount - LTV 80%

Initial rate for 2 years

1.55%

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

The Society's Mortgage Variable Rate

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.2% APRC

Product fee

£999

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

Representative Example

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.

2.15% for 2 years Discount - LTV 80%

Initial variable rate for 2 years

2.15%

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

The Society’s Mortgage Variable Rate

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.3% APRC

Product fee

£999

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

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.

Representative Example

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.

2.19% for 2 years Discount - LTV 80%

Initial variable rate for 2 years

2.19%

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

The Society’s Mortgage Variable Rate

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.3% APRC

Product fee

FREE

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

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 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

2.24% for 2 years Discount - LTV 90%

Initial Rate for 2 years

2.24%

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

The Society’s Mortgage Variable Rate

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.3% APRC

Product fee

£999

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

Representative Example

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.

3.24% for 2 years Discount - LTV 95%

Initial variable rate for 2 years

3.24%

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

The Society’s Mortgage Variable Rate, currently

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.5% APRC

Product fee

FREE

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

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 £500,000.

The maximum term available is 40 years.

This product has a floor rate.

Representative Example

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.

2.09% for 2 years (Unregulated BTL) Discount - LTV 65%

Initial variable rate for 2 years

2.09%

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

The Society's Buy To Let Mortgage Variable Rate

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.5% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

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.

Representative Example

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.

2.54% for 2 years (Unregulated BTL) Discount - LTV 75%

Initial variable rate for 2 years

2.54%

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

The Society's Buy To Let Mortgage Variable Rate

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.5% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

Representative Example

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.

3.65% for 2 years (Family BTL) - Max loan size of £500,000 Discount - LTV 65%

Initial variable rate for 2 years

3.65%

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

The Society's Buy To Let Mortgage Variable Rate

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.7% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

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 £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.

Representative Example

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.

3.90% for 2 years (Family BTL) Discount - LTV 75%

Initial variable rate for 2 years

3.90%

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

The Society's Buy To Let Mortgage Variable Rate

5.79%

for the remaining term of the mortgage

Overall rate for comparison

5.7% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

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 £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.

Representative Example

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.

3.05% for 2 years (Consumer BTL) Max loan size of £500,000 Discount - LTV 65%

Initial variable rate for 2 years

3.05%

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

The Society's Buy To Let Mortgage Variable Rate

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.6% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

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.

Representative Example

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.

3.64% for 2 years (Consumer BTL) Discount - LTV 75%

Initial variable rate for 2 years

3.64%

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

The Society's Buy To Let Mortgage Variable Rate

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.7% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

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. 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.

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.

Representative Example

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.

2.49% for 2 years Holiday Let Discount - LTV 65%

Initial variable rate for 2 years

2.49%

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

The Society's Buy To Let Mortgage Variable Rate

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.5% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

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.

Representative Example

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.

3.84% for 2 years Holiday Let Discount - LTV 75%

Initial variable rate for 2 years

3.84%

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

The Society's Buy To Let Mortgage Variable Rate

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.7% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

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.

Representative Example

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.

Buildloan Exclusive 4.74% for 2 years Self Build Discount - LTV 80%

Initial variable rate for 2 years

4.74%

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

The Society's Mortgage Variable Rate

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.8% APRC

Product fee

£1,500

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

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.

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%

Representative Example

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.

Buildloan Exclusive 5.20% for 2 years Self Build Discount - LTV 80%

Initial variable rate for 2 years

5.20%

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

The Society’s Mortgage Variable Rate

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.9% APRC

Product fee

£1,500

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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..

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.

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%

Representative Example

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.

Buildloan Exclusive 5.49% for 2 years Self Build Discount - LTV 80%

Initial variable rate for 2 years

5.49%

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

The Society’s Mortgage Variable Rate

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.9% APRC

Product fee

FREE

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

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.

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%

Representative Example

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.

Buildloan Exclusive 5.75% for 2 years Self Build Discount - LTV 80%

Initial variable rate for 2 years

5.75%

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

The Society’s Mortgage Variable Rate

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

6.0% APRC

Product fee

FREE

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

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.

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%

Representative Example

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.

 

5.24% for 2 years (Short Term Lending) Discount - LTV 60%

Initial variable rate for 2 years

5.24%

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

N/A

The overall cost for comparison is

6.6% APRC

Product fee

£1,499

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

Representative Example

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.

6.04% for 2 years (Short Term Lending) Discount - LTV 60%

Initial variable rate for 2 years

6.04%

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

N/A

The overall cost for comparison is

6.8% APRC

Product fee

£499

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

Representative Example

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..

2.23% 2 Year Fixed - LTV 80%

Initial fixed rate for 2 years

2.23%

then changing to....

The Society's Mortgage Variable Rate currently

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.3% APRC

Product fee

£1,250

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

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

Representative Example

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.

2.69% 2 Year Fixed - LTV 90%

Initial fixed rate for 2 years

2.69%

then changing to....

The Society's Mortgage Variable Rate currently

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.4% APRC

Product fee

£1,250

More Information

Mortgage Helpline

0800 988 1561

Talk to us

PRODUCT CODE - 048FIX

This is a 2.69% 2 year fixed rate mortgage.  A 10% 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 £1,250 fee which can be added to the mortgage or paid up front..

Representative Example

A mortgage of £170,000 payable over 25 years initially on a discounted rate for 2 years at 2.69% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £784.84 and 276 monthly payments of £1,059.34.

The total amount payable would be £311,709.00 made up of the loan amount plus interest (£309,944.00) 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 5.4% APRC representative.

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

4.49% 2 Year Fixed - LTV 95%

Initial fixed rate for 2 years

4.49%

then changing to .......

The Society's Mortgage Variable Rate currently

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.7% APRC

Product fee

£0

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

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 £500,000.

The maximum term available is 40 years.

There is no product fee for this mortgage.

Representative Example

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.

2.43% 3 Year Fixed - LTV 80%

Initial fixed rate for 3 years

2.43%

then changing to....

The Society’s Mortgage Variable Rate

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.1% APRC

Product fee

£1,250

More Information

Mortgage Helpline

0800 988 1561

Talk to us

PRODUCT CODE - 049FIX

This is a 2.43% 3 year fixed 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 3 years. This charge will be applied on a sliding scale of 3% in the first year, 2% in the second year, and 1% in the third year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 3 years.

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

The maximum term available is 40 years.

There is no product fee with this mortgage.

Representative Example

A mortgage of £180,000 payable over 25 years initially on a discounted rate for 3 years at 2.43% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 22 years would require 36 monthly payments of £806.33 and 264 monthly payments of £1,105.79.

 

The total amount payable would be £321,504.44 made up of the loan amount plus interest (£319,739.44) 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 5.1% APRC representative.

 

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

4.79% 5 Year Fixed - LTV 95%

Initial fixed rate for 5 years

4.79%

then changing to ......

The Society’s Mortgage Variable Rate

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.5% APRC

Product fee

£0

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

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.

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.

Representative Example

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.

2.73% 5 Year Fixed - LTV 80%

Initial fixed rate for 5 years

2.73%

then changing to ......

The Society's Mortgage Variable Rate currently

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

4.7% APRC

Product fee

£1,250

More Information

Mortgage Helpline

0800 988 1561

Talk to us

PRODUCT CODE - 050FIX

This is a 2.73% 5 year fixed 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 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.

Representative Example

A mortgage of £180,000 payable over 25 years initially on a fixed rate for 5 years at 2.73% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 20 years would require 60 monthly payments of £834.36 and 240 monthly payments of £1085.99.

The total amount payable would be £311,229.20 made up of the loan amount plus interest (£309,464.20) 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 4.7% APRC representative.

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

2.99% 5 Year Fixed - LTV 90%

Initial fixed rate for 5 years

2.99%

then changing to ......

The Society's Mortgage Variable Rate currently

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

4.8% APRC

Product fee

£1,250

More Information

Mortgage Helpline

0800 988 1561

Talk to us

PRODUCT CODE - 051FIX

This is a 2.99% 5 year fixed rate mortgage.  A 10% 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 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.

Representative Example

A mortgage of £170,000 payable over 25 years initially on a fixed rate for 5 years at 2.99% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 20 years would require 60 monthly payments of £811.29 and 240 monthly payments of £1,031.34.

 

The total amount payable would be £296,694.00 made up of the loan amount plus interest (£294,929.00) 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 4.8% APRC representative.

 

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

3.14% 2 Year Unregulated Buy to Let Fixed - LTV 75%

Initial fixed rate for 2 years

3.14%

then changing to ......

The Society's Buy To Let Mortgage Variable Rate

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.6% APRC

Product fee

£1,495

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

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 £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.

Representative Example

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.

2.39% 2 Year Unregulated Buy to Let Fixed - LTV 65%

Initial fixed rate for 2 years

2.39%

then changing to ......

The Society's Buy To Let Mortgage Variable Rate

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.5% APRC

Product fee

£1,495

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

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 £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.

Representative Example

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.

3.99% 5 Year Unregulated Buy to Let Fixed - LTV 75%

initial fixed rate for 5 years

3.99%

then changing to ......

The Society's Buy To Let Mortgage Variable Rate

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.4% APRC

Product fee

£1,495

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

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.

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.

Representative Example

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.

2.84% 2 Year Holiday Let Fixed - LTV 65%

Initial fixed rate for 2 years

2.84%

then changing to ......

The Society's Buy To Let Mortgage Variable Rate

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.6% APRC

Product fee

£1,250

More Information

Mortgage Helpline

0800 988 1561

Talk to us

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.

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 £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.

Representative Example

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.

3.99% 2 Year Holiday Let Fixed - LTV 75%

Initial fixed rate for 2 years

3.99%

then changing to ......

The Society's Buy to Let Mortgage Variable Rate currently

5.79%

for the remaining term of the mortgage

The overall cost for comparison is

5.7% APRC

Product fee

£1,250

More Information

Mortgage Helpline

0800 988 1561

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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.

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 £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.

Representative Example

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.

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