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:

1.99% 2 Year Fixed - LTV 70%

Initial fixed rate for 2 years

1.99%

then changing to....

The Society's Mortgage Variable Rate currently

5.14%

for the remaining term of the mortgage

The overall cost for comparison is

4.7% APRC

Product fee

£1,250

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - 102FIX

This is a 1.99% 2 year fixed rate mortgage.  A 30% deposit is required.

This mortgage is available for both residential house purchase and remortgages on a capital and interest basis.

This product 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 £900,000.

The maximum term available is 40 years.

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

Representative Example

A mortgage of £200,000 payable over 25 years initially on a fixed rate for 2 years at 1.99% and then on our Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 23 years would require 24 monthly payments of £852.11  and 276 monthly payments of £1,166.28.

The total amount payable would be £342,873.92 made up of the loan amount plus interest (£341,178.92) an Application fee of £1250, a valuation fee of £305 a CHAPS Fee of £20 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 an Capital and Interest repayment basis.

2.19% 2 Year Fixed - LTV 80%

Initial fixed rate for 2 years

2.19%

then changing to....

The Society's Mortgage Variable Rate currently

5.14%

for the remaining term of the mortgage

The overall cost for comparison is

4.8% APRC

Product fee

£1,250

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - 104FIX

This is a 2.19% 2 year fixed rate mortgage.  A 20% deposit is required.

This mortgage is available for both residential house purchase and remortgages on a capital and interest basis.

This product 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 £800,000.

The maximum term available is 40 years.

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

Representative Example

A mortgage of £200,000 payable over 25 years initially on a fixed rate for 2 years at 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 £871.83 and 276 monthly payments of £1,168.23.

The total amount payable would be £343,885.40 made up of the loan amount plus interest (£342,190.40) an Application fee of £1250, a valuation fee of £305 a CHAPS Fee of £20 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 Capital and Interest repayment basis.

3.89% 3 Year- First Time Buyer LA Postcode Exclusive Fixed - LTV 90%

Initial fixed rate for 3 years

3.89%

then changing to....

The Society's Mortgage Variable Rate currently

5.14%

for the remaining term of mortgage

The overall cost for comparison is

4.9% APRC

Product fee

FREE

More Information

Mortgage Helpline

0800 220 568

Talk to us

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

PRODUCT CODE - 099FIX 

This is a 3.89% 3 year fixed rate mortgage.  A 10% deposit is required. 

This mortgage is only available within LA postcodes and is for First Time Buyer residential purchases and is only available on a capital and interest basis.

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 4% in the first year, 3% in the second year and 2% 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 £750,000.

The maximum term available is 40 years.

There is no product fee with this mortgage.

Representative Example

A mortgage of £200,000 payable over 25 years initially on a fixed rate for 3 years at 3.89% and then on our Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 22 years would require 36 monthly payments of £1,043.67  and 264 monthly payments of £1,171.13.

The total amount payable would be £347,280.44 made up of the loan amount plus interest (£346,835.13), a valuation fee of £305, a CHAPS Fee of £20 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 4.9% APRC representative.

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

2.49% 5 Year Fixed - LTV 70%

Initial fixed rate for 5 years

2.49%

then changing to....

The Society's Mortgage Variable Rate currently

5.14%

for the remaining term of the mortgage

The overall cost for comparison is

4.2% APRC

Product fee

£1,250

More Information

Mortgage Helpline

0800 220 568

Talk to us

Product Code - 105FIX

This is a 2.49% 5 year fixed rate mortgage.  A 30% deposit is required.

This mortgage is available for both residential house purchase and remortgages on a capital and interest basis.

This product 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.

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

Representative Example

A mortgage of £200,000 payable over 25 years initially on a fixed rate for 5 years at 2.49% and then on our Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 20 years would require 60 monthly payments of £901.92 and 240 monthly payments of £1,137.54.

The total amount payable would be £327,654.80 made up of the loan amount plus interest (£325,959.80) an Application fee of £1250, a valuation fee of £305 a CHAPS Fee of £20 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 an Capital and Interest Repayment basis.

2.79% 5 Year Fixed - LTV 80%

Initial fixed rate for 5 years

2.79%

then changing to....

The Society's Mortgage Variable Rate currently

5.14%

for the remaining term of the mortgage

The overall cost for comparison is

4.3% APRC

Product fee

£1,250

More Information

Mortgage Helpline

0800 220 568

Talk to us

Product Code - 107FIX

This is a 2.79% 5 year fixed rate mortgage.  A 20% deposit is required.

This mortgage is available for both residential house purchase and remortgages on a capital and interest basis.

This product is not available for product switches.

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

An early repayment charge will apply if you repay all or part of your mortgage within the first 5 years. This charge will be applied on a sliding scale of 5% in the first and second year and 4% in the third year, 3% in the fourth year and 2% in the fifth year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 5 years.

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

The maximum term available is 40 years.

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

Representative Example

A mortgage of £200,000 payable over 25 years initially on a fixed rate for 5 years at 2.79% and then on our Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 20 years would require 60 monthly payments of £932.61 and 240 monthly payments of £1,144.41.

The total amount payable would be £331,145.00 made up of the loan amount plus interest (£329,450.00) an Application fee of £1250, a valuation fee of £305 a CHAPS Fee of £20 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 4.3% APRC representative.

Please note the example above is for a house purchase on an Capital and Interest Repayment basis.

2.39% 2 Year- Interest Only Product Fixed - LTV 70%

Initial fixed rate for 2 years

2.39%

then changing to....

The Society's Mortgage Variable Rate currently

5.14%

for the remaining term of the mortgage

The overall cost for comparison is

4.9% APRC

Product fee

£1,250

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - 103FIX 

This is a 2.39% 2 year fixed rate mortgage.  A 30% deposit is required. 

This mortgage is available for both residential house purchase and remortgages on an interest only basis 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.

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

Representative Example

A mortgage of £200,000 payable over 25 years initially on a fixed rate for 2 years at 2.39% and then on our Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 23 years would require 24 monthly payments of £400.86  and 276 monthly payments of £862.10.

The total amount payable would be £449,360.24 made up of the loan amount plus interest (£447,665.24) an Application fee of £1250, a valuation fee of £305 a CHAPS Fee of £20 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is  4.9% APRC representative.

Please note the example above is for a house purchase on an Interest Only basis.

2.89% 5 Year- Interest Only Product Fixed - LTV 70%

Initial fixed rate for 5 years

2.89%

then changing to....

The Society's Mortgage Variable Rate currently

5.14%

for the remaining term of the mortgage

The overall cost for comparison is

4.6% APRC

Product fee

£1,250

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - 106FIX 

This is a 2.89% 5 year fixed rate mortgage.  A 30% deposit is required. 

This mortgage is available for both residential house purchase and remortgages on an interest only basis 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 £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.

Representative Example

A mortgage of £200,000 payable over 25 years initially on a fixed rate for 5 years at 2.89% and then on our Mortgage Variable Rate (MVR) of 5.14% (variable) for the remaining 20 years would require 60 monthly payments of £484.73 and 240 monthly payments of £862.11.

The total amount payable would be £437,790.20 made up of the loan amount plus interest (£436,095.20) an Application fee of £1250, a valuation fee of £305 a CHAPS Fee of £20 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 4.6% APRC representative.

Please note the example above is for a house purchase on an Interest Only basis.

5.99% for 2 years (Short Term Lending) Discount - LTV 60%

Initial variable rate for 2 years

5.99%

our Mortgage Variable Rate plus 0.85%, then changing to

The Society's Mortgage Variable Rate

5.14%

for the remaining term of the mortgage

The overall cost for comparison is

6.5% APRC

Product fee

£999

More Information

Mortgage Helpline

0800 220 568

Talk to us

PRODUCT CODE - STL004

This is a 5.99% 2 year 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 £999 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 £180,000 payable over 2 years initially on a variable rate for 2 years at 5.99% would require 24 monthly payments of £903.59.

 

The total amount payable would be £202,825.16 made up of the loan amount plus interest (£201,686.16) an Application fee of £999, a CHAPS Fee of £20 and a Mortgage Discharge Fee of £120.

 

The overall cost for comparison is 6.5% APRC representative.

 

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

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