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:

1.24% for 2 years Discount - LTV 75%

Initial variable rate for 2 years

1.24%

4.30% discount off our Mortgage Variable Rate, then changing to

The Society's Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

4.80% APRC

Product fee

£999

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - DS303

This is a 1.24% 2 year discounted variable rate mortgage.  A 25% deposit is required.

This mortgage is available for both house purchase and remortgages.

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

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

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

The maximum term available is 40 years.

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

This product has a floor rate.

Representative Example

A mortgage of £155,000 payable over 25 years initially on a discounted rate for 2 years at 1.24% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £605.19 and 276 monthly payments of £932.11.

 

The total amount payable would be £273,360.92 made up of the loan amount plus interest (£271,786.92) an Application fee of £999, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00, an Insurance Administration fee of £25.00, and a Mortgage Discharge Fee of £120.00.

 

The overall cost for comparison is 4.8% APRC representative.

 

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

1.49% for 2 years Discount - LTV 80%

Initial variable rate for 2 years

1.49%

4.05% discount off our Mortgage Variable Rate, then changing to

The Society’s Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.00% APRC

Product fee

£999

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - DS296

This is a 1.49% 2 year discounted variable rate mortgage.  A 20% deposit is required.

This mortgage is available for both house purchase and remortgages.

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

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

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

The maximum term available is 40 years.

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

This product has a floor rate.

Representative Example

A mortgage of £155,000 payable over 25 years initially on a discounted rate for 2 years at 1.49% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £623.34 and 276 monthly payments of £934.12.

The total amount payable would be £273,272.28 made up of the loan amount plus interest (£271,733.28) an Application fee of £999, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00, an Insurance Administration fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.0% APRC representative.

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

1.90% for 2 years Discount - LTV 80%

Initial variable rate for 2 years

1.90%

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

The Society's Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

4.80% APRC

Product fee

£999

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - DS301

This is a 1.90% 2 year discounted variable rate mortgage.  A 20% deposit is required.

This mortgage is available for both house purchase and remortgages.

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

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

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

The maximum term available is 40 years.

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

This product has a floor rate.

Representative Example

A mortgage of £200,000 payable over 25 years initially on a discounted rate for 2 years at 1.90% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £842.38 and 276 monthly payments of £1,207.77.

The total amount payable would be £354,091.64 made up of the loan amount plus interest (£352,517.64) an Application fee of £999, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00, an Insurance Administration fee of £25.00, and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 4.8% APRC representative.

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

1.94% for 2 years Discount - LTV 80%

Initial variable rate for 2 years

1.94%

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

The Society's Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.00% APRC

Product fee

FREE

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - DS297

This is a 1.94% 2 year discounted variable rate mortgage.  A 20% deposit is required.

This mortgage is available for both house purchase and remortgages.

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 1.94% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £652.65 and 276 monthly payments of £931.75.

The total amount payable would be £273,321.60 made up of the loan amount plus interest (£272,781.60), a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00, an Insurance Rearrangement fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.0% APRC representative.

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

2.04% for 2 years Discount - LTV 90%

Initial variable rate for 2 years

2.04%

3.50% discount off our Mortgage Variable Rate, then changing to

The Society's Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.10% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - DS302

This is a 1.79% 2 year discounted variable rate mortgage.  A 10% deposit is required.

This mortgage is available for both house purchase and remortgages.

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

The total amount payable would be £319,527.00 made up of the loan amount plus interest (£317,992.00) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00, an Insurance Administration fee of £25.00, and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.1% APRC representative.

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

3.49% for 2 years Discount - LTV 95%

Initial variable rate for 2 years

3.49%

2.05% discount off our Mortgage Variable Rate, then changing to

The Society’s Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.30% APRC

Product fee

FREE

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - DS304

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

This mortgage is available for both house purchase and remortgages.

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 product has a floor rate.

Representative Example

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

The total amount payable would be £256,900.76 made up of the loan amount plus interest (£255,386.76) an Application fee of £0, a CHAPS Fee of £20.00, a Valuation fee of £245.00, a Legal fee of £105.00, an Insurance administration fee fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.3% APRC representative.

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

2.05% for 2 years (Unregulated BTL) Discount - LTV 65%

Initial variable rate for 2 years

2.05%

3.49% discount off our Buy to Let Mortgage Variable Rate, then changing to

The Society's Buy To Let Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.20% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - LET119

This is a 2.05% 2 year discounted variable rate mortgage.  A 35% deposit is required.

This mortgage is available for both house purchase and remortgages.

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

 

The total amount payable would be £500,757.32 made up of the loan amount plus interest (£499,137.32) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £355.00, a Legal fee of £105.00, an Insurance Administration fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

 

The overall cost for comparison is 5.2% APRC representative.

 

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

2.19% for 2 years (Unregulated BTL) Discount - LTV 75%

Initial variable for 2 years

2.19%

3.35% discount off our Buy to Let Mortgage Variable Rate, then changing to

The Society's Buy To Let Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.30% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - LET124

This is a 2.19% 2 year discounted variable rate mortgage.  A 25% deposit is required.

This mortgage is available for both house purchase and remortgages.

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

 

The total amount payable would be £454,950.28 made up of the loan amount plus interest (£453,380.28) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00, an Insurance Administration fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

 

The overall cost for comparison is 5.3% APRC representative.

 

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

2.44% for 2 years (Unregulated BTL) Discount - LTV 75%

Initial variable for 2 years

2.44%

3.10% discount off our Buy to Let Mortgage Variable Rate, then changing to

The Society's Buy To Let Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.30% APRC

Product fee

£1,495

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - LET118

This is a 2.44% 2 year discounted variable rate mortgage.  A 25% deposit is required.

This mortgage is available for both house purchase and remortgages.

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.  This product has a floor rate.

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

2.80% for 2 years (Consumer BTL) Max loan size of £500,000 Discount - LTV 65%

Initial variable rate for 2 years

2.80%

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

The Society's Buy To Let Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.30% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - CBTL06

This is a 2.80% 2 year discounted variable rate mortgage.  A 35% deposit is required.

This mortgage is available for both house purchase and remortgages.

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 2.80% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £536.67 and 276 monthly payments of £1061.84.

The total amount payable would be £537,567.92 made up of the loan amount plus interest (£535,947.92) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £355.00, a Legal fee of £105.00, an Insurance Administration fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.3% APRC representative.

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

3.40% for 2 years (Family BTL) - Max loan size of £500,000 Discount - LTV 65%

Initial variable rate for 2 years

3.40%

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

The Society's Buy To Let Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.40% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - LET105

This is a 3.40% 2 year discounted variable rate mortgage.  A 35% deposit is required.

This mortgage is available for both house purchase and remortgages.

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 3.40% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £498.78 and 276 monthly payments of £812.72.

The total amount payable would be £412,851.44 made up of the loan amount plus interest (£411,281.44) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00, an Insurance Adminstration fee of £25.00 , 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.

3.65% for 2 years (Family BTL) Discount - LTV 75%

Initial variable rate for 2 years

3.65%

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

The Society's Buy To Let Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

Overall rate for comparison

5.50% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - LET110

This is a 3.65% 2 year discounted variable rate mortgage.  A 25% deposit is required.

This mortgage is available for both house purchase and remortgages.

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 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £535.46 and 276 monthly payments of £812.72.

The total amount payable would be £413,731.76  made up of the loan amount plus interest (£412,161.76) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00, an Insurance Adminstration fee of £25.00 , 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.

3.39% for 2 years (Consumer BTL) Discount - LTV 75%

Initial variable rate for 2 years

3.39%

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

The Society's Buy To Let Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.40% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - CBTL3

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

This mortgage is available for both house purchase and remortgages.

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

The total amount payable would be £352,835.00 made up of the loan amount plus interest (£351,300.00) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00, an Insurance Administration fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.4% APRC representative.

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

2.74% for 2 years Holiday Let Discount - LTV 65%

Initial variable rate for 2 years

2.74%

2.80% discount off our Buy to Let Mortgage Variable Rate, then changing to

The Society's Buy To Let Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.40% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - LET120

This is a 2.74% 2 year discounted variable rate mortgage.  A 35% deposit is required.

This mortgage is available for both house purchase and remortgages.

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

The total amount payable would be £385,855.00 made up of the loan amount plus interest (£384,285.00) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00, an Insurance Administration  fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.4% APRC representative.

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

3.60% for 2 years Holiday Let Discount - LTV 70%

Initial variable rate for 2 years

3.60%

1.94% discount off our Buy to Let Mortgage Variable Rate, then changing to

The Society's Buy To Let Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.50% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - LET115

This is a 3.60% 2 year discounted variable rate mortgage.  A 30% deposit is required.

This mortgage is available for both house purchase and remortgages.

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 £175000 payable over 25 years initially on a discounted rate for 2 years at 3.60% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £525.00 and 276 monthly payments of £807.92.

The total amount payable would be £412,155.92 made up of the loan amount plus interest (£410,585.92) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00, an Insurance Administration  fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.5% APRC representative.

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

3.95% for 2 years Holiday Let Discount - LTV 75%

Initial variable rate for 2 years

3.95%

then changing to

The Society's Buy To Let Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.50% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - LET123

This is a 3.95% 2 year discounted variable rate mortgage.  A 25% deposit is required.

This mortgage is available for both house purchase and remortgages.

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

The total amount payable would be £473,618.88 made up of the loan amount plus interest (£472,048.88) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00, an Insurance Administration  fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.5% APRC representative.

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

4.99% for 2 years Discount - LTV 60%

Initial variable rate for 2 years

4.99%

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

0.00%

The overall cost for comparison is

6.30% APRC

Product fee

£1,499

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - BRF05

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

This mortgage is available for both house purchase and remortgages.

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

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

The maximum term available is 2 years.

Please Note:

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

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

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

Representative Example

A mortgage of £90,000 payable over 2 years initially on a discounted rate for 2 years at 4.99% would require 24 monthly payments of £380.59.

The total amount payable would be £101,153.16 made up of the loan amount plus interest (£99,114.16) an Application fee of £1499, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00, an Insurance Administration fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 6.3% APRC representative.

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

5.79% for 2 years Discount - LTV 60%

Initial variable rate for 2 years

5.79%

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

0.00%

The overall cost for comparison is

6.60% APRC

Product fee

£499

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - BRF06

This is a 5.79% 2 year discounted variable rate mortgage.  A 40% deposit is required.

This mortgage is available for both house purchase and remortgages.

There is no early repayment charge for this mortgage.  There is 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.

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 5.79% would require 24 monthly payments of £436.78.

The total amount payable would be £101,501.72 made up of the loan amount plus interest (£100,462.72) an Application fee of £499, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00, an Insurance Administration fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 6.6% APRC representative.

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

1.65% fixed for 2 years Fixed - LTV 80%

Initial fixed rate for 2 years

1.65%

then changing to

The Society’s Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.00% APRC

Product fee

£999

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - 023FIX

This is a 1.65% 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 £999 fee which can be added to the mortgage or paid up front.

Representative Example

A mortgage of £160,000 payable over 25 years initially on a discounted rate for 2 years at 1.65% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £655.49 and 276 monthly payments of £965.40.

The total amount payable would be £282,677.16 made up of the loan amount plus interest (£281,138.16) an Application fee of £999, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00, an Insurance Administration fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.0% APRC representative.

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

 

2.18% for 3 years Fixed - LTV 80%

Initial fixed rate for 3 years

2.18%

then changing to

The Society’s Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

4.80% APRC

Product fee

£999

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - 020FIX

This is a 2.18% 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 and 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.

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

Representative Example

A mortgage of £160,000 payable over 25 years initially on a discounted rate for 3 years at 2.18% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 22 years would require 36 monthly payments of £696.79 and 264 monthly payments of £958.14.

The total amount payable would be £278,528.40 made up of the loan amount plus interest (£276,989.40) an Application fee of £999, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00, an Insurance Administration fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 4.8% APRC representative.

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

3.08% fixed for 5 years Fixed - LTV 90%

Initial fixed for 5 years

3.08%

then changing to

The Society’s Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

4.70% APRC

Product fee

£999

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - 025FIX

This is a 3.08% 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 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.

Representative Example

A mortgage of £180,000 payable over 25 years initially on a fixed rate for 5 years at 3.08% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 20 years would require 60 monthly payments of £866.08 and 240 monthly payments of £1070.05.

The total amount payable would be £309,271.80 made up of the loan amount plus interest (£307,732.80) an Application fee of £999, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00, an Insurance Administration  fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 4.7% APRC representative.

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

2.63% for 5 years Fixed - LTV 80%

Initial fixed rate for 5 years

2.63%

then changing to

The Society’s Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

4.50% APRC

Product fee

£999

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - 021FIX

This is a 2.63% 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 £999 fee which can be added to the mortgage or paid up front.

Representative Example

A mortgage of £160,000 payable over 25 years initially on a discounted rate for 5 years at 2.63% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 20 years would require 60 monthly payments of £733.06 and 240 monthly payments of £943.44.

The total amount payable would be £269,365.20 made up of the loan amount plus interest (£270,904.20) an Application fee of £999, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00, an Insurance Rearrangement fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 4.5% APRC representative.

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

2.69% for 2 years Fixed - LTV 90%

Initial fixed rate for 2 years

2.69%

then changing to

The Society’s Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.20% APRC

Product fee

£1,250

More Information

Mortgage Helpline

Helpline Telephone

Talk to us

PRODUCT CODE - 9FIX2

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 £180,000 payable over 25 years initially on a discounted rate for 2 years at 2.69% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £830.78 and 276 monthly payments of £1096.18.

The total amount payable would be £322,979.40 made up of the loan amount plus interest (£321,189.40) an Application fee of £1250, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00, an Insurance Administration  fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.2% APRC representative.

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

2.98% fixed for 3 years Fixed - LTV 90%

Initial fixed rate for 3 years

2.98%

then changing to

The Society’s Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.00% APRC

Product fee

£999

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - 009FIX

This is a 2.98% 3 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 3 years. This charge will be applied on a sliding scale of 3% in the first year and 2% in the second year and 1% in the third . 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 £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.

Representative Example

A mortgage of £180,000 payable over 25 years initially on a discounted rate for 3 years at 2.98% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 22 years would require 36 monthly payments of £856.65 and 264 monthly payments of £1087.51.

 

The total amount payable would be £318,437.04 made up of the loan amount plus interest (£316,898.04) an Application fee of £999, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00, an Insurance Administration fee of £25.00, and a Mortgage Discharge Fee of £120.00.

 

The overall cost for comparison is 5.0% APRC representative.

 

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

4.09% fixed for 2 years Fixed - LTV 95%

Initial fixed for 2 years

4.09%

then changing to

The Society’s Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.40% APRC

Product fee

FREE

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - 017FIX

This is a 4.09% 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.

Representative Example

A mortgage of £142,500 payable over 25 years initially on a fixed rate for 2 years at 4.09% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £759.51 and 276 monthly payments of £870.78.

 

The total amount payable would be £259,033.52 made up of the loan amount plus interest (£258,518.52) an Application fee of £0, a CHAPS Fee of £20.00, a Valuation fee of £245.00, a Legal fee of £105.00, an Insurance Administration fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

 

The overall cost for comparison is 5.4% APRC representative.

 

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

1.99% for 2 years (Unregulated BTL) 65% LTV Fixed - LTV 65%

Initial fixed rate for 2 years

1.99%

then changing to

The Society's Buy To Let Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.30% APRC

Product fee

£1,495

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - FBTL16

This is a 1.99% 2 year fixed 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 £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 £190,000 payable over 25 years initially on a fixed rate for 2 years at 1.99% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £317.64 and 276 monthly payments of £884.28.

 

The total amount payable would be £443,804.64 made up of the loan amount plus interest (£441,684.64) an Application fee of £1495, a CHAPS Fee of £20.00, a Valuation fee of £355.00, a Legal fee of £105.00, an Insurance Rearrangement fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

 

The overall cost for comparison is 5.3% APRC representative.

 

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

2.49% for 2 years (Unregulated BTL) Fixed - LTV 75%

Initial fixed for 2 years

2.49%

then changing to

The Society's Buy To Let Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.30% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - FBTL17

This is a 2.49% 2 year fixed 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 3 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.

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 2.49% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £406.78 and 276 monthly payments of £905.05.

 

The total amount payable would be £456,126.52 made up of the loan amount plus interest (£454,556.52) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00, an Insurance Administration fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

 

The overall cost for comparison is 5.3% APRC representative.

 

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

2.25% for 3 years (Unregulated BTL) Fixed - LTV 65%

Initial fixed rate for 3 years

2.25%

then changing to

The Society's Buy To Let Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.10% APRC

Product fee

£1,495

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - FBTL15

This is a 2.25% 3 year fixed 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 3 years. This charge will be applied on a sliding scale of 3% in the first year and 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 £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 £190,000 payable over 25 years initially on a fixed  rate for 3 years at 2.25% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 22 years would require 36 monthly payments of £359.14 and 264 monthly payments of £884.28.

The total amount payable would be £438,498.96 made up of the loan amount plus interest (£436,378.96) an Application fee of £1495, a CHAPS Fee of £20.00, a Valuation fee of £355.00, a Legal fee of £105.00, an Insurance Administration fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.1% APRC representative.

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

2.79% for 2 years (Unregulated BTL) Fixed - LTV 75%

Initial fixed for 2 years

2.79%

then changing to

The Society's Buy To Let Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.40% APRC

Product fee

£1,495

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - FBTL13

This is a 2.79% 2 year fixed 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 3 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.

3.09% for 3 years (Unregulated BTL) Fixed - LTV 75%

Initial fixed rate for 3 years

3.09%

then changing to

The Society’s Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.30% APRC

Product fee

£1,495

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - FBTL12

This is a 3.09% 3 year fixed 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 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 £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 £150,000 payable over 25 years initially on a fixed rate for 3 years at 3.09% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 22 years would require 36 monthly payments of £390.22 and 264 monthly payments of £699.62.

 

The total amount payable would be £350,782.60 made up of the loan amount plus interest (£348,747.60) an Application fee of £1495, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00, an Insurance Administration fee of £25.00 , and a Mortgage Discharge Fee of £195.00.

 

The overall cost for comparison is 5.3% APRC representative.

 

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

2.59% for 2 years Holiday Let Fixed - LTV 65%

Initial fixed for 2 years

2.59%

then changing to

The Society's Buy To Let Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.30% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - FRHL01

This is a 2.59% 2 year fixed 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. 

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

Representative Example

A mortgage of £165000 payable over 25 years initially on a fixed rate for 2 years at 2.59% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £356.13 and 276 monthly payments of £761.75.

The total amount payable would be £385,360.12 made up of the loan amount plus interest (£383,790.12) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00, an Insurance Administration fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.3% APRC representative.

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

3.79% for 2 years Holiday Let Fixed - LTV 75%

Initial fixed for 2 years

3.79%

then changing to

The Society's Buy To Let Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.50% APRC

Product fee

£995

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - FRHL03

This is a 3.79% 2 year fixed 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 £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. 

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

Representative Example

A mortgage of £205,000 payable over 25 years initially on a fixed rate for 2 years at 3.79% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £650.74 and 276 monthly payments of £951.22.

The total amount payable would be £484,724.48 made up of the loan amount plus interest (£483,154.48) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00, an Insurance Administration fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.5% APRC representative.

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

1.54% 2 year (BBR plus 1.04%) Tracker - LTV 70%

Initial variable rate for 2 years

1.54%

1.04% above Bank of England base rate (currently 0.50%), then changing to

The Society's Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.00% APRC

Product fee

£999

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - 2FLX5

This is a 1.54% 2 year tracker mortgage (Bank of England Base Rate plus 1.04%).  A 30% 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 £900,000.

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 BBR Tracker rate for 2 years at 1.54% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £627.01 and 276 monthly payments of £934.53.

 

The total amount payable would be £273,508.52 made up of the loan amount plus interest (£271,934.52) an Application fee of £999, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00, an Insurance Administration fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

 

The overall cost for comparison is 5.0% APRC representative.

 

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

1.69% 2 year (BBR plus 1.19%) Tracker - LTV 80%

Initial variable rate for 2 years

1.69%

1.19% above Bank of England base rate (currently 0.50%), then changing to

The Society’s Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.00% APRC

Product fee

£999

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - 2FLX3

This is a 1.69% 2 year tracker mortgage (Bank of England Base Rate plus 1.19%).  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 BBR Tracker rate for 2 years at 1.69% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £638.10 and 276 monthly payments of £935.75.

 

The total amount payable would be £274,076.40 made up of the loan amount plus interest (£272,537.40) an Application fee of £999, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00, an Insurance Administration fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

 

The overall cost for comparison is 5.0% APRC representative.

 

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

2.04% 2 year (BBR plus 1.54%) Tracker - LTV 80%

Initial variable rate for 2 years

2.04%

1.54% above Bank of England base rate (currently 0.50%), then changing to

The Society's Mortgage Variable Rate

5.54%

for the remaining term of the mortgage

The overall cost for comparison is

5.00% APRC

Product fee

FREE

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - 2FLX4

This is a 2.04% 2 year tracker mortgage (Bank of England Base Rate plus 1.54%).  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 BBR Tracker rate for 2 years at 2.04% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £660.19 and 276 monthly payments of £932.53.

 

The total amount payable would be £273,717.84 made up of the loan amount plus interest (£273,177.84) , a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00, an Insurance Administration fee of £25.00 , and a Mortgage Discharge Fee of £120.00.

 

The overall cost for comparison is 5.0% APRC representative.

 

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

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