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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.

**Initial rate fixed for 2 years**

then changing to....

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

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
### Representative Example

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.

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.

**Initial rate fixed for 2 years**

then changing to...

**The Society's Mortgage Variable Rate**

for the remaining term of mortgage

**The overall cost for comparision is**

**Product fee**

Show Representative Example
**Representative Example**

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..

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.

**Initial fixed rate for 5 years**

then changing to....

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

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
### Representative Example

Product Code - 081FIX

This is a 2.18% 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.

A mortgage of £200,000 payable over 25 years initially on a fixed rate for 5 years at 2.18% and then on our Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 20 years would require 60 monthly payments of £870.84 and 240 monthly payments of £1,130.25.

The total amount payable would be £324,040.40 made up of the loan amount plus interest (£322,345.40) 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 4.1% APRC representative.

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

**Initial fixed rate for 5 years**

then changing to....

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

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
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.

### Representative Example

Product Code - 082FIX

This is a 2.48% 5 year fixed rate mortgage. A 20% deposit is required.

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.

A mortgage of £200,000 payable over 25 years initially on a fixed rate for 5 years at 2.48% and then on our Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 20 years would require 60 monthly payments of £900.90 and 240 monthly payments of £1,137.27.

The total amount payable would be £327,528.80 made up of the loan amount plus interest (£325,833.80) 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 capital and interest repayment basis.

**Initial rate fixed for 2 years**

then changing to....

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

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
### Representative Example

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.

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.

**Initial rate fixed for 2 years**

then changing to ......

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

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
### Representative Example

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.

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.

**Initial fixed rate for 5 years**

then changing to....

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

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
### Representative Example

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.

**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.

**Initial fixed rate for 5 years**

then changing to....

**The Society’s Buy to Let Mortgage Variable Rate**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

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

### Representative Example

PRODUCT CODE - 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.

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.

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.

**Initial rate fixed for 2 years**

then changing to....

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

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

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

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 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.

### Representative Example

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.

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

The maximum term available is 40 years.

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

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

A mortgage of £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.

**Initial rate fixed for 2 years**

then changing to....

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

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

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

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 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.

### Representative Example

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.

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

The maximum term available is 40 years.

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

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

A mortgage of £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.

**Initial fixed rate for 2 years**

then changing to ......

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

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

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

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 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.

### Representative Example

PRODUCT CODE - FRHL16

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

This mortgage is available for Holiday Let purchases and remortgages.

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

The maximum term available is 40 years.

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

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

A mortgage of £200,000 payable over 25 years initially on a fixed rate for 2 years at 2.84% and then on our BTL Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 23 years would require 24 monthly payments of £476.34 and 276 monthly payments of £862.07.

The total amount payable would be £451,213.48 made up of the loan amount plus interest (£449,468.48) an Application fee of £1250, a CHAPS Fee of £20, a Valuation fee of £355 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.

**Initial rate fixed for 2 years**

then changing to....

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

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

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

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 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.

### Representative Example

PRODUCT CODE - FRHL14

This is a 3.59% 2 year fixed rate mortgage. A 25% deposit is required.

This mortgage is available for Holiday Let purchases and remortgages.

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

The maximum term available is 40 years.

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

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

A mortgage of £200,000 payable over 25 years initially on a fixed rate for 2 years at 3.59% and then on our BTL Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 23 years would require 24 monthly payments of £602.13 and 276 monthly payments of £862.06.

The total amount payable would be £454,179.68 made up of the loan amount plus interest (£452,484.68) 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 5.1% APRC representative.

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

**Initial fixed rate for 5 years**

then changing to ......

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

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

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

PRODUCT CODE – FRHL13

This is a 3.34% 5 year fixed rate mortgage. A 35% deposit is required.

This mortgage is available for Holiday Let purchases and remortgages.

An early repayment charge will apply if you repay all or part of your mortgage within the first 5 years. This charge will be applied on a sliding scale of 5% in the first year, 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 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 £200,000 payable over 25 years initially on a fixed rate for 5 years at 3.34% and then on our BTL Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 20 years would require 60 monthly payments of £560.20 and 240 monthly payments of £862.07.

The total amount payable would be £442,358.80 made up of the loan amount plus interest (£440,613.80) an Application fee of £1250, a CHAPS Fee of £20 a Valuation fee of £355 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.

**Initial fixed rate for 5 years**

then changing to....

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

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

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

PRODUCT CODE – FRHL15

This is a 4.19% 5 year fixed rate mortgage. A 25% deposit is required.

This mortgage is available for Holiday Let purchases and remortgages.

An early repayment charge will apply if you repay all or part of your mortgage within the first 5 years. This charge will be applied on a sliding scale of 5% in the first year, 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 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 £200,000 payable over 25 years initially on a fixed rate for 5 years at 4.19% and then on our BTL Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 20 years would require 60 monthly payments of £702.77 and 240 monthly payments of £862.07.

The total amount payable would be £450,863.00 made up of the loan amount plus interest (£449,168.00) an Application fee of £1250, a CHAPS Fee of £20 a Valuation fee of £355 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.

**Initial variable rate for 2 years**

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

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

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 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.

### Representative Example

PRODUCT CODE - DS326

This is a 1.59% 2 year discounted variable rate mortgage. A 30% deposit is required.

This mortgage is available for both house purchase and remortgages.

A valuation package is available for purchases and remortgages. Free legal package available in England and Wales with a contribution towards legal fees in Scotland available on remortgages only

The minimum loan amount is £30,000 and the maximum loan size is £900,000.

The maximum term available is 40 years.

This product has a floor rate.

A mortgage of £200,000 payable over 25 years initially on a discounted rate for 2 years at 1.59% and then on our Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 23 years would require 24 monthly payments of £812.48 and 276 monthly payments of £1,160.82.

The total amount payable would be £340,415.84 made up of the loan amount plus interest (£338,971.84) an Application fee of £999, a CHAPS Fee of £20, a Valuation fee of £305 and a Mortgage Discharge Fee of £120.

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.

**Initial variable rate for 2 years**

3.45% discount off our Mortgage Variable Rate, then changing to

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

for the remaining term of mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 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.

### Representative Example

PRODUCT CODE - DS327

This is a 1.69% 2 year discounted variable rate mortgage. A 20% deposit is required.

This mortgage is available for both house purchase and remortgages.

A valuation package is available for purchases and remortgages. Free legal package available in England and Wales with a contribution towards legal fees in Scotland available on remortgages only

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

The maximum term available is 40 years.

This product has a floor rate.

A mortgage of £200,000 payable over 25 years initially on a discounted rate for 2 years at 1.69% and then on our Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 23 years would require 24 monthly payments of £822.02 and 276 monthly payments of £1,161.83.

The total amount payable would be £340,923.56 made up of the loan amount plus interest (£339,479.56) an Application fee of £999, a CHAPS Fee of £20, a Valuation fee of £305 and a Mortgage Discharge Fee of £120.

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.

**Initial variable rate for 2 years**

2.95% discount off our Mortgage Variable Rate, then changing to

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

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
### Representative Example

PRODUCT CODE - DS328

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 valuation package is available for purchases and remortgages. Free legal package available in England and Wales with a contribution towards legal fees in Scotland available on remortgages only

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 size is £800,000.

The maximum term available is 40 years.

This product has a floor rate.

A mortgage of £200,000 payable over 25 years initially on a discounted rate for 2 years at 2.19% and then on our Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 23 years would require 24 monthly payments of £870.74 and 276 monthly payments of £1,166.74.

The total amount payable would be £343,448.00 made up of the loan amount plus interest (£342,004.00) an Application fee of £999, 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 a capital and interest repayment basis.

**Initial variable rate for 2 years**

The Society's Mortgage Variable Rate minus 0.15%

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

**The overall cost for comparison is**

**Product fee**

Show Representative Example
### Representative Example

PRODUCT CODE - STL003

This is a 4.99% 2 year discounted variable rate mortgage. A 40% deposit is required.

This mortgage is available for both house purchase and remortgages.

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 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 £799 fee which can be added to the mortgage or paid up front. If adding the fee to the loan amount this must not exceed the maximum LTV. This product has a floor rate.

A mortgage of £150,000 payable over 2 years initially on a discounted rate for 2 years at 4.99% would require 24 monthly payments of £627.16.The total amount payable would be £165,990.84 made up of the loan amount plus interest (£165,051.84) an Application fee of £799, a CHAPS Fee of £20, and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 5.4% APRC representative.

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

**Initial variable rate for 2 years**

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

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

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

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

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 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.

### Representative Example

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.

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

The maximum term available is 40 years.

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

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

A mortgage of £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.

**Initial variable rate for 2 years**

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

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

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

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

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 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.

### Representative Example

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.

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

The maximum term available is 40 years.

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

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

A mortgage of £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

**Initial variable rate for 2 years**

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

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

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

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

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 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.

### Representative Example

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.

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.

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

**Initial variable rate for 2 years**

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

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

for the remaining term of the mortgage

**Overall rate for comparison**

**Product fee**

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

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 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.

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

### Representative Example

PRODUCT CODE - 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.

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

The maximum term available is 40 years.

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

A mortgage of £200,000 payable over 25 years initially on a discounted rate for 2 years at 3.95% and then on our 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

**Initial variable rate for 2 years**

2.65% % discount off our Buy to Let Mortgage Variable Rate, then changing to

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

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

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

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 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.

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

### Representative Example

PRODUCT CODE - HLET007

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

This mortgage is available for both house purchase and remortgages.

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

The maximum term available is 40 years.

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

A mortgage of £200,000 payable over 25 years initially on a discounted rate for 2 years at 2.49% and then on our BTL Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 23 years would require 24 monthly payments of £417.11 and 276 monthly payments of £860.98.

The total amount payable would be £449,236.12 made up of the loan amount plus interest (£447,746.12) 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 5.0% APRC representative.

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

**Initial variable rate for 2 years**

1.75% discount off our Buy to Let Mortgage Variable Rate, then changing to

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

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

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

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 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.

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

### Representative Example

PRODUCT CODE - HLET008

This is a 3.39% 2 year discounted variable rate mortgage. A 25% deposit is required.

This mortgage is available for both house purchase and remortgages.

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

The maximum term available is 40 years.

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

A mortgage of £200,000 payable over 25 years initially on a discounted rate for 2 years at 3.39% and then on our BTL Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 23 years would require 24 monthly payments of £567.87 and 276 monthly payments of £860.97.

The total amount payable would be £452,801.60 made up of the loan amount plus interest (£451,361.60) 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 5.1% APRC representative.

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

**Initial variable rate for 2 years**

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

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

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

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

An early repayment charge will apply if you repay all or part of your mortgage within the first 2 years. This charge will be applied on a sliding scale of 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.

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

### Representative Example

PRODUCT CODE - 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.

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

The maximum term available is 40 years.

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

A mortgage of £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.

**Initial variable rate for 2 years**

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

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

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

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

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

### Representative Example

PRODUCT CODE - 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.

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.

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

A mortgage of £200,000 payable over 25 years initially on a discounted rate for 2 years at 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