Our Mortgage Products

We can help you to get the ideal mortgage

The Society currently offers a range of mortgage products for you to choose from.  To help you understand more about your options click here where you will find a handy explanation of the different types. This will help you when choosing from the mortgages below.

 

Filter Mortgages:

3.29% 2 Year- First Time Buyer LA Postcode Exclusive Fixed - LTV 90%

Initial fixed rate for 2 years

3.29%

then changing to....

The Society's Mortgage Variable Rate currently

5.14%

for the remaining term of the mortgage

The overall cost for comparison is

4.9% APRC

Product fee

FREE

More Information

Mortgage Helpline

0800 220 568

Talk to us

THIS PRODUCT IS ONLY AVAILABLE FOR FIRST TIME BUYERS PURCHASING PROPERTIES WITH AN LA POSTCODE

PRODUCT CODE - 088FIX 

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

This mortgage is only available within LA postcodes and is for First Time Buyer residential purchases.

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 3% in the first year and 2% 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.

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 2 years at 3.29% and then on our Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 23 years would require 24 monthly payments of £734.25  and 276 monthly payments of £878.26 .

The total amount payable would be £260,516.76 made up of the loan amount plus interest (£260,106.76) , a valuation fee of £270 a CHAPS Fee of £20 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is  4.9% APRC representative.

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

3.49% 5 Year- First Time Buyer LA Postcode Exclusive Fixed - LTV 90%

Initial fixed rate for 5 years

3.49%

then changing to....

The Society's Mortgage Variable Rate currently

5.14%

for the remaining term of the mortgage

The overall cost for comparison is

4.6% APRC

Product fee

FREE

More Information

Mortgage Helpline

0800 220 568

Talk to us

THIS PRODUCT IS ONLY AVAILABLE FOR FIRST TIME BUYERS PURCHASING PROPERTIES WITH AN LA POSTCODE

PRODUCT CODE - 089FIX 

This is a 3.49% 5 year fixed rate mortgage.  A 10% deposit is required. 

This mortgage is only available within LA postcodes and is for First Time Buyer residential purchases.

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, 5% in the second year, 4% in the third year, and 3% in the fourth and 2% 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.

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 3.49% and then on our Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 20 years would require 60 monthly payments of £750.23  and 240 monthly payments of £864.50.

The total amount payable would be £252,988.80 made up of the loan amount plus interest (£255,578.80), a valuation fee of £270, a CHAPS Fee of £20 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 4.6% APRC representative.

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

1.89% 2 Year Fixed - LTV 70%

Initial rate fixed for 2 years

1.89%

then changing to....

The Society's Mortgage Variable Rate currently

5.14%

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 220 568

Talk to us

PRODUCT CODE - 068FIX

This is a 1.89% 2 year fixed rate mortgage.  A 30% deposit is required.

This mortgage is available for both residential house purchase and remortgages and is not available for product switches.

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 3% in the first year and 2% 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.

Representative Example

A mortgage of £200,000 payable over 25 years initially on a fixed rate for 2 years at 1.89% and then on our Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 23 years would require 24 monthly payments of £842.35 and 276 monthly payments of £1,165.26 .

The total amount payable would be £342,408.16 made up of the loan amount plus interest (£340,663.16) an Application fee of £1250.00, a CHAPS Fee of £20.00, a Valuation fee of £355.00 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 capital and interest repayment basis.

 

1.99% 2 Year Fixed - LTV 80%

Initial rate fixed for 2 years

1.99%

then changing to...

The Society's Mortgage Variable Rate

5.14%

for the remaining term of mortgage

The overall cost for comparision is

4.7% APRC

Product fee

£1,250

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - 056FIX

This is a 1.99% 2 year fixed rate mortgage.  A 20% deposit is required.

This mortgage is available for both residential house purchase and remortgages and is not available for product switches.

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 £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 £200,000 payable over 25 years initially on a fixed rate for 2 years at 1.99% and then on our Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 23 years would require 24 monthly payments of £852.11  and 276 monthly payments of £1,166.24.

The total amount payable would be £342,862.88 made up of the loan amount plus interest (£341,167.88) an Application fee of £1250.00, a CHAPS Fee of £20.00, a Valuation fee of £305.00 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.

2.38% 5 Year Fixed - LTV 70%

Initial fixed rate for 5 years

2.38%

then changing to....

The Society's Mortgage Variable Rate currently

5.14%

for the remaining term of the mortgage

The overall cost for comparison is

4.2% APRC

Product fee

£1,250

More Information

Mortgage Helpline

0800 220 568

Talk to us

Product Code - 086FIX

This is a 2.38% 5 year fixed rate mortgage.  A 30% deposit is required.

This mortgage is available for both residential house purchase and remortgages and is not available for product switches.

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 5 years. This charge will be applied on a sliding scale of 5% in the first and second year and 4% in the third year, 3% in the fourth year and 2% 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 £900,000.

The maximum term available is 40 years.

Representative Example

A mortgage of £200,000 payable over 25 years initially on a fixed rate for 5 years at 2.38% and then on our Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 20 years would require 60 monthly payments of £890.82 and 240 monthly payments of £1,134.96.

The total amount payable would be £326,419.60 made up of the loan amount plus interest (£324,724.60) an Application fee of £1250, a CHAPS Fee of £20, a Valuation fee of £305 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 4.2% APRC representative.

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

2.68% 5 Year Fixed - LTV 80%

Initial fixed rate for 5 years

2.68%

then changing to....

The Society's Mortgage Variable Rate currently

5.14%

for the remaining term of the mortgage

The overall cost for comparison is

4.3% APRC

Product fee

£1,250

More Information

Mortgage Helpline

0800 220 568

Talk to us

Product Code - 087FIX

This is a 2.68% 5 year fixed rate mortgage.  A 20% deposit is required.

This mortgage is available for both residential house purchase and remortgages and is not available for product switches.

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 5 years. This charge will be applied on a sliding scale of 5% in the first and second year and 4% in the third year, 3% in the fourth year and 2% 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.

Representative Example

A mortgage of £200,000 payable over 25 years initially on a fixed rate for 5 years at 2.68% and then on our Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 20 years would require 60 monthly payments of £921.28 and 240 monthly payments of £1,141.88.

The total amount payable would be £329,858.00 made up of the loan amount plus interest (£328,163.00) an Application fee of £1250, a CHAPS Fee of £20, a Valuation fee of £305 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 4.3% APRC representative.

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

2.29% 2 Year Unregulated Buy to Let Fixed - LTV 65%

Initial rate fixed for 2 years

2.29%

then changing to....

The Society's Buy to Let Mortgage Variable Rate currently

5.14%

for the remaining term of the mortgage

The overall cost for comparison is

4.9% APRC

Product fee

£1,495

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - FBTL41

This is a 2.29% 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 3% in the first year and 2% 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 £200,000 payable over 25 years initially on a fixed rate for 2 years at 2.29% and then on our BTL Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 23 years would require 24 monthly payments of £384.56 and 276 monthly payments of £863.13.

 

The total amount payable would be £449,548.32 made up of the loan amount plus interest (£447,558.32) an Application fee of £1495, a CHAPS Fee of £20, a Valuation fee of £355 and a Mortgage Discharge Fee of £120.

 

The overall cost for comparison is 4.9% APRC representative.

 

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

2.79% 2 Year Unregulated Buy to Let Fixed - LTV 75%

Initial rate fixed for 2 years

2.79%

then changing to ......

The Society's Buy to Let Mortgage Variable Rate currently

5.14%

for the remaining term of the mortgage

The overall cost for comparison is

5.0% APRC

Product fee

£1,495

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - FBTL42

This is a 2.79% 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 3% in the first year and 2% 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 £200,000 payable over 25 years initially on a fixed rate for 2 years at 2.79% and then on our BTL Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 23 years would require 24 monthly payments of £468.52 and 276 monthly payments of £863.12.

 

The total amount payable would be £451,510.60 made up of the loan amount plus interest (£449,570.60) an Application fee of £1495, a CHAPS Fee of £20, a Valuation fee of £305 and a Mortgage Discharge Fee of £120.

 

The overall cost for comparison is 5.0% APRC representative.

 

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

2.79% 5 Year Unregulated Buy to Let Fixed - LTV 65%

Initial fixed rate for 5 years

2.79%

then changing to....

The Society's Buy to Let Mortgage Variable Rate currently

5.14%

for the remaining term of the mortgage

The overall cost for comparison is

4.6% APRC

Product fee

£1,495

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - FBTL35

This is a 2.79% 5 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 5 years. This charge will be applied on a sliding scale of 5% in the first year,  5% in the second year, 4% in the third year, 3% in the fourth year and 2% 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

FBTL35  65% 5 year Unreg BTL FIXED RATE 2.79%

A mortgage of £200,000 payable over 25 years initially on a fixed rate for 5 years at 2.79% and then on our BTL Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 20 years would require 60 monthly payments of £468.52 and 240 monthly payments of £863.13.

The total amount payable would be £437,357.40 made up of the loan amount plus interest (£435,367.40) an Application fee of £1495, a CHAPS Fee of £20 a Valuation fee of £355 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 4.6% APRC representative.

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

3.39% 5 Year Unregulated Buy to Let Fixed - LTV 75%

Initial fixed rate for 5 years

3.39%

then changing to....

The Society’s Buy to Let Mortgage Variable Rate

5.14%

for the remaining term of the mortgage

The overall cost for comparison is

4.8% APRC

Product fee

£1,495

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - FBTL43

This is a 3.39% 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,  5% in the second year, 4% in the third year, 3% in the fourth year and 2% 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 £200,000 payable over 25 years initially on a fixed rate for 5 years at 3.39% and then on our BTL Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 20 years would require 60 monthly payments of £569.28 and 240 monthly payments of £863.12.

The total amount payable would be £443,350.60 made up of the loan amount plus interest (£441,410.60) an Application fee of £1495, a CHAPS Fee of £20, a Valuation fee of £305 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 4.8% APRC representative.

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

2.29% 2 Year Consumer Buy to Let Fixed - LTV 65%

Initial rate fixed for 2 years

2.29%

then changing to....

The Society's Buy to Let Mortgage Variable Rate currently

5.14%

for the remaining term of the mortgage

The overall cost for comparison is

4.9% APRC

Product fee

£1,495

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - FCBTL03

This is a 2.29% 2 year fixed rate mortgage.  A 35% deposit is required.

This mortgage is available for Consumer 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 3% in the first year and 2% 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 £200,000 payable over 25 years initially on a fixed rate for 2 years at 2.29% and then on our BTL Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 23 years would require 24 monthly payments of £384.56 and 276 monthly payments of £863.13.

 

The total amount payable would be £449,548.32 made up of the loan amount plus interest (£447,558.32) an Application fee of £1495, a CHAPS Fee of £20, a Valuation fee of £355 and a Mortgage Discharge Fee of £120

 

.The overall cost for comparison is 4.9% APRC representative.

 

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

2.79% 2 Year Consumer Buy to Let Fixed - LTV 75%

Initial rate fixed for 2 years

2.79%

then changing to....

The Society's Buy to Let Mortgage Variable Rate currently

5.14%

for the remaining term of the mortgage

The overall cost for comparison is

5.0% APRC

Product fee

£1,495

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - FCBTL04

This is a 2.79% 2 year fixed rate mortgage.  A 25% deposit is required.

This mortgage is available for Consumer 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 3% in the first year and 2% 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 £200,000 payable over 25 years initially on a fixed rate for 2 years at 2.79% and then on our BTL Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 23 years would require 24 monthly payments of £468.52 and 276 monthly payments of £863.12.

 

The total amount payable would be £451,510.60 made up of the loan amount plus interest (£449,570.60) an Application fee of £1495, a CHAPS Fee of £20., a Valuation fee of £305 and a Mortgage Discharge Fee of £120.

 

The overall cost for comparison is 5.0% APRC representative.

 

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

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

Initial variable rate for 2 years

2.09%

3.05% discount off our Buy to Let Mortgage Variable Rate, then changing to

The Society's Buy To Let Mortgage Variable Rate

5.14%

for the remaining term of the mortgage

The overall cost for comparison is

4.9% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - LET132

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 3% in the first year and 2% 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 £200,000 payable over 25 years initially on a discounted rate for 2 years at 2.09% and then on our BTL Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 23 years would require 24 monthly payments of £350.10 and 276 monthly payments of £860.99.

 

The total amount payable would be £447,630.64 made up of the loan amount plus interest (£446,140.64) an Application fee of £995, a CHAPS Fee of £20, a Valuation fee of £355 and a Mortgage Discharge Fee of £120.

 

The overall cost for comparison is 4.9% APRC representative.

 

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

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

Initial variable rate for 2 years

2.54%

2.60% discount off our Buy to Let Mortgage Variable Rate, then changing to

The Society's Buy To Let Mortgage Variable Rate

5.14%

for the remaining term of the mortgage

The overall cost for comparison is

5.0% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - LET133

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 3% in the first year and 2% 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 £200,000 payable over 25 years initially on a discounted rate for 2 years at 2.54% and then on our BTL Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 23 years would require 24 monthly payments of £425.48 and 276 monthly payments of £860.98.

 

The total amount payable would be £449,387.00 made up of the loan amount plus interest (£447,947.00) an Application fee of £995, a CHAPS Fee of £20, a Valuation fee of £305 and a Mortgage Discharge Fee of £120.

 

The overall cost for comparison is 5.0% APRC representative.

 

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

3.65% for 2 years (Family BTL) Discount - LTV 65%

Initial variable rate for 2 years

3.65%

1.49% discount off our Buy to Let Mortgage Variable Rate, then changing to

The Society's Buy To Let Mortgage Variable Rate

5.14%

for the remaining term of the mortgage

The overall cost for comparison is

5.1% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - LET134

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 3% in the first year and 2% 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 £200,000 payable over 25 years initially on a discounted rate for 2 years at 3.65% and then on our BTL Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 23 years would require 24 monthly payments of £611.42 and 276 monthly payments of £860.97.

The total amount payable would be £453,896.80 made up of the loan amount plus interest (£452,406.80) an Application fee of £995, a CHAPS Fee of £20, a Valuation fee of £355, and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 5.1% APRC representative.

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

3.95% for 2 years (Family BTL) Discount - LTV 75%

Initial variable rate for 2 years

3.95%

1.19% discount off our Buy to Let Mortgage Variable Rate, then changing to

The Society's Buy To Let Mortgage Variable Rate

5.14%

for the remaining term of the mortgage

Overall rate for comparison

5.1% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - LET135

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.

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 3% in the first year and 2% 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 £200,000 payable over 25 years initially on a discounted rate for 2 years at 3.95% and then on our BTL Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 23 years would require 24 monthly payments of £661.67 and 276 monthly payments of £860.97.

The total amount payable would be £455,052.80 made up of the loan amount plus interest (£453,612.80) an Application fee of £995, a CHAPS Fee of £20, a Valuation fee of £305 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 4.9% APRC representative.

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

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

Initial variable rate for 2 years

2.09%

3.05% discount off our Buy to Let Mortgage Variable Rate, then changing to

The Society's Buy To Let Mortgage Variable Rate

5.14%

for the remaining term of the mortgage

The overall cost for comparison is

4.9% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - CBTL17

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 3% in the first year and 2% 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 £200,000 payable over 25 years initially on a discounted rate for 2 years at 2.09% and then on our BTL Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 23 years would require 24 monthly payments of £350.10 and 276 monthly payments of £860.99.

The total amount payable would be £447,630.64 made up of the loan amount plus interest (£446,140.64) an Application fee of £995, a CHAPS Fee of £20, a Valuation fee of £355 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 4.9% APRC representative. Please note the example above is for a house purchase on an interest only repayment basis.

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

Initial variable rate for 2 years

2.54%

2.60% discount off our Buy to Let Mortgage Variable Rate, then changing to

The Society's Buy To Let Mortgage Variable Rate

5.14%

for the remaining term of the mortgage

The overall cost for comparison is

5.0% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - CBTL18

This is a 2.54% 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 3% in the first year and 2% 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 £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 £200,000 payable over 25 years initially on a discounted rate for 2 years at 2.54% and then on our BTL Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 23 years would require 24 monthly payments of £425.48 and 276 monthly payments of £860.98.

The total amount payable would be £449,387.00 made up of the loan amount plus interest (£447,947.00) an Application fee of £995, a CHAPS Fee of £20. a Valuation fee of £305 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 5.0% APRC representative.

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

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