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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 for 2 years**

4.50% 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

PRODUCT CODE - DS318

This is a 1.29% 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.

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 £1,000,000.

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 £160,000 payable over 25 years initially on a discount rate for 2 years at 1.29% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £628.21 and 276 monthly payments of £984.27.

The total amount payable would be £287,265.56 made up of the loan amount plus interest (285,821.56) an Application fee of £999, a CHAPS Fee of £20.00, a Valuation fee of £305 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 5.2% APRC representative.

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

**Initial variable rate for 2 years**

1.59% % 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
### Representative Example

PRODUCT CODE – HLTR1

This is a 3.15% 2 year discounted variable rate mortgage. 25% equity required.

This mortgage is available for product transfers.

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.

A mortgage of £120,000 payable over 23 years initially on a discounted rate for 2 years at 4.20% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £420.07 and 252 monthly payments of £579.12.

The total amount payable would be £276,159.92 Made up of the loan amount plus interest (£156039.92) and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.7% APRC representative.

Please note the example above is for a product transfer.

**Initial variable rate for 2 years**

2.15% 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
### Representative Example

PRODUCT CODE – CBTR1

This is a 3.15% 2 year discounted variable rate mortgage. 25% equity required.

This mortgage is available for product transfers.

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.

A mortgage of £120,000 payable over 23 years initially on a discounted rate for 2 years at 4.20% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £364.00 and 252 monthly payments of £579.02.

The total amount payable would be £274,769.04. Made up of the loan amount plus interest (£274,649.04) and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.6% APRC representative.

Please note the example above is for a product transfer

**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 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 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.

### Representative Example

PRODUCT CODE – RDS36

This is a 2.34% 2 year discounted variable rate mortgage. 10% equity required.

This mortgage is available for product transfers.

This product has a floor rate.

A mortgage of £120,000 payable over 23 years initially on a discounted rate for 2 years at 2.34% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 21 years would require 24 monthly payments of £562.64 and 252 monthly payments of £768.60.

The total amount payable would be £207,310.56 made up of the loan amount plus interest (£87,310.56) 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 product transfer on a repayment basis.

**Initial variable rate for 2 years**

3.09% 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 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.

### Representative Example

PRODUCT CODE – RDS37

This is a 2.70% 2 year discounted variable rate mortgage.

This mortgage is available for product transfers.

This product has a floor rate.

A mortgage of £120,000 payable over 23 years initially on a discounted rate for 2 years at 2.70% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 21 years would require 24 monthly payments of £584.14 and 252 monthly payments of £770.86.

The total amount payable would be £208,396.08 made up of the loan amount plus interest (£88,396.08) 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 product transfer on a repayment basis.

**Initial variable rate for 2 years**

2.80% 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 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.

PRODUCT CODE - DS317

This is a 2.99% 2 year discounted variable rate mortgage. A 5% deposit is required.

A £1,500 cashback is payable on completion. This mortgage is available for both house purchase and remortgages.

Legal and Valuation fees are paid by the Society for remortgages (option of £150 contribution for legal fees and maximum free valuation fee is £665) Scottish properties are subject to £150 legal fee contribution only). For purchases fees are payable the applicant For purchases fees are payable the applicant.

The minimum property valuation is £125,000 (£50,000 in Cumbria and Lancashire). 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 £150,000 payable over 25 years initially on a discount rate for 2 years at 2.99% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £710.63 and 276 monthly payments of £930.07.

The total amount payable would be £274,249.44 made up of the loan amount plus interest (£273,839.44) a CHAPS Fee of £20.00, a Valuation fee of £270.00, 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.

**Initial rate for 2 years**

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

**The Society's Mortgage Variable Rate**

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 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.

### Representative Example

PRODUCT CODE - DS314

This is a 1.55% 2 year discounted variable rate mortgage. A 20% deposit is required.

This mortgage is available for both house purchase and remortgages.

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

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.

A mortgage of £155,000 payable over 25 years initially on a discounted rate for 2 years at 1.55% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £627.65 and 276 monthly payments of £955.91.

The total amount payable would be £279,389.76 made up of the loan amount plus interest (£277,875.76) an Application fee of £999, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.2% APRC representative.

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

**Initial variable rate for 2 years**

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

**The Society’s Mortgage Variable Rate**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
### Representative Example

PRODUCT CODE - DS310

This is a 2.15% 2 year discounted variable rate mortgage. A 20% deposit is required.

This mortgage is available for both house purchase and remortgages.

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

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

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

The maximum term available is 40 years.

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

This product has a floor rate.

A mortgage of £200,000 payable over 25 years initially on a discounted rate for 2 years at 2.15% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £862.39 and 276 monthly payments of £1,231.67.

The total amount payable would be £362,187.28 made up of the loan amount plus interest (£360.638.28) an Application fee of £999, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.3% APRC representative.

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

**Initial variable rate for 2 years**

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

**The Society’s 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 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.

PRODUCT CODE - DS313

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

This mortgage is available for both house purchase and remortgages.

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

The maximum term available is 40 years.

This product has a floor rate.

Representative Example

A mortgage of £155,000 payable over 25 years initially on a discounted rate for 2 years at 2.19% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £671.41 and 276 monthly payments of £954.86.

The total amount payable would be £280,170.20 made up of the loan amount plus interest (£279,655.20), a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.3% APRC representative.

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

**Initial Rate for 2 years**

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

**The Society’s 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 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.

### Representative Example

PRODUCT CODE - DS315

This is a 2.24% 2 year discounted variable rate mortgage. A 10% 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 £750,000.

The maximum term available is 40 years.

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

This product has a floor rate.

A mortgage of £180,000 payable over 25 years initially on a discounted rate for 2 years at 2.24% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £788.58 and 276 monthly payments of £1,115.60.

The total amount payable would be £327,326.52 made up of the loan amount plus interest (£325,812.52) an Application fee of £999, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.3% APRC representative.

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

**Initial variable rate for 2 years**

3.10% 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 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.

### Representative Example

PRODUCT CODE - DS316

This is a 2.69% 2 year discounted variable rate mortgage. A 5% deposit is required.

This mortgage is available for both house purchase and remortgages.

£500 Cashback payable on completion

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

The minimum valuation is £125,000 (£50,000 in Cumbria and Lancashire) . The minimum loan amount is £30,000 and the maximum loan size is £500,000.

The maximum term available is 40 years.

This product has a floor rate.

A mortgage of £150,000 payable over 25 years initially on a discounted rate for 2 years at 2.69% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £687.46 and 276 monthly payments of £927.91.

The total amount payable would be £273,097.20 made up of the loan amount plus interest (272,582.20) an Application fee of £0, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.4% APRC representative.

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

**Initial variable rate for 2 years**

3.70% 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 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.

### Representative Example

PRODUCT CODE - LET127

This is a 2.09% 2 year discounted variable rate mortgage. A 35% deposit is required.

This mortgage is available for both house purchase and remortgages.

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 £162,500 payable over 25 years initially on a discounted rate for 2 years at 2.09% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £283.02 and 276 monthly payments of £784.08.

The total amount payable would be £387,243.56 made up of the loan amount plus interest (£385,698.56) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.5% APRC representative.

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

**Initial variable rate for 2 years**

3.25% 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 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.

### Representative Example

PRODUCT CODE - LET129

This is a 2.54% 2 year discounted variable rate mortgage. A 25% deposit is required.

This mortgage is available for both Buy to Let purchases and remortgages.

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 £195,000 payable over 25 years initially on a discounted rate for 2 years at 2.54% and then on our Buy to Let Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £414.90 and 276 monthly payments of £945.78.

The total amount payable would be £467,537.88 made up of the loan amount plus interest (£465,992.88) an Application fee of £995, a CHAPS Fee of £20, a Valuation fee of £305, a Legal fee of £105 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 5.5% APRC representative.

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

**Initial variable rate for 2 years**

2.14% 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 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.

### Representative Example

PRODUCT CODE - LET105

This is a 3.65% 2 year discounted variable rate mortgage. A 35% deposit is required.

This mortgage is available for both house purchase and remortgages.

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 £175,000 payable over 25 years initially on a discounted rate for 2 years at 3.65% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £520.25 and 276 monthly payments of £825.32.

The total amount payable would be £411,844.32 made up of the loan amount plus interest (£410,299.32) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £280.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.7% APRC representative.

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

**Initial variable rate for 2 years**

1.89% 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 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.

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 - LET110

This is a 3.90% 2 year discounted variable rate mortgage. A 25% deposit is required.

This mortgage is available for both house purchase and remortgages.

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 £170,000 payable over 25 years initially on a discounted rate for 2 years at 3.90% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £555.88 and 276 monthly payments of £825.33.

The total amount payable would be £412,292.20 made up of the loan amount plus interest (£410,782.20) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.7% APRC representative.

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

**Initial variable rate for 2 years**

2.74% 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 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.

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 - CBTL07

This is a 3.05% 2 year discounted variable rate mortgage. A 35% deposit is required.

This mortgage is available for both house purchase and remortgages.

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 £230,000 payable over 25 years initially on a discounted rate for 2 years at 3.05% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £584.58 and 276 monthly payments of £1,109.79.

The total amount payable would be £551,926.96 made up of the loan amount plus interest (£550,331.96) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £355.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.6% APRC representative.

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

**Initial variable rate for 2 years**

2.15% 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 - CBTL3

This is a 3.64% 2 year discounted variable rate mortgage. A 25% deposit is required.

This mortgage is available for both house purchase and remortgages.

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.

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

A mortgage of £120,000 payable over 25 years initially on a discounted rate for 2 years at 3.64% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £364.00 and 276 monthly payments of £579.04.

The total amount payable would be £290,061.04 made up of the loan amount plus interest (£288,551.04) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.7% APRC representative.

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

**Initial variable rate for 2 years**

3.30% % 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 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.

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 - HLET003

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

This mortgage is available for both house purchase and remortgages.

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 £163,500 payable over 25 years initially on a discounted rate for 2 years at 2.49% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £339.26 and 276 monthly payments of £788.91.

The total amount payable would be £390,926.40 made up of the loan amount plus interest (£389,381.40) an Application fee of £995, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.5% APRC representative.

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

**Initial variable rate for 2 years**

1.95% 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 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.

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 - HLET004

This is a 3.84% 2 year discounted variable rate mortgage. A 25% deposit is required.

This mortgage is available for both holiday let purchases and remortgages.

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 £195,000 payable over 25 years initially on a discounted rate for 2 years at 3.84% and then on our Buy to Let Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £627.25 and 276 monthly payments of £945.79.

The total amount payable would be £472,637.04 made up of the loan amount plus interest (£471,092.04) an Application fee of £995, a CHAPS Fee of £20, a Valuation fee of £305, a Legal fee of £105 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 5.7% APRC representative.

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

**Initial variable rate for 2 years**

1.55% discount off our Mortgage Variable Rate

**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
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 - STL001

This is a 4.24% 2 year discounted variable rate mortgage. A 40% deposit is required.

This mortgage is available for both house purchase and remortgages.

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

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

The maximum term available is 2 years.

**Please Note:**

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

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

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

A mortgage of £150,000 payable over 2 years initially on a discounted rate for 2 years at 4.24% would require 24 monthly payments of £535.37.

The total amount payable would be £164,897.88 made up of the loan amount plus interest (£162,848.88) an Application fee of £1499, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.1% APRC representative.

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

**Initial variable rate for 2 years**

The Society's Mortgage Variable Rate minus 0.80%

**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 - STL002

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 £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.

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 £625.91.

The total amount payable would be £166,070.84 made up of the loan amount plus interest (£165,021.84) an Application fee of £499, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.5% APRC representative.

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

**Initial variable for 2 years**

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

**The Society's Mortgage Variable Rate**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
### Representative Example

PRODUCT CODE – RDS38

This is a 1.49% 2 year discounted variable rate mortgage. 40% equity 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.

This product has a floor rate.

A mortgage of £120,000 payable over 23 years initially on a discounted rate for 2 years at 1.49% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 21 years would require 24 monthly payments of £513.80 and 252 monthly payments of £763.00.

The total amount payable would be £204,727.20 made up of the loan amount plus interest (£84,607.20) and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.10% APRC representative.

Please note the example above is for a product transfer on a repayment basis.

**Initial Rate for 2 years**

3.14% discount off our Buy to Let Mortgage Variable Rate, then changing to

**Followed by the 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
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.

### Representative Example

PRODUCT CODE – BDS09

This is a 2.65% 2 year discounted variable rate mortgage. 35% equity required.

This mortgage is available for both house purchase and remortgages.

A mortgage of £65,000 payable over 23 years initially on a discounted rate for 2 years at 2.65% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £143.54 and 252 monthly payments of £313.63.

The total amount payable would be £147,599.72 made up of the loan amount plus interest (£82,599.72) 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 product transfer.

**Initial variable rate for 2 years**

2.64% 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
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.

### Representative Example

PRODUCT CODE – BDS08

This is a 3.15% 2 year discounted variable rate mortgage. 35% equity required.

This mortgage is available for product transfers.

A mortgage of £65,000 payable over 23 years initially on a discounted rate for 2 years at 3.15% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £170.63 and 252 monthly payments of £313.63.

The total amount payable would be £148,249.88 made up of the loan amount plus interest (£83,129.88) and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.6% APRC representative.

Please note the example above is for a product transfer.

**Initial Rate for 2 years**

3.69% discount off our Mortgage Variable Rate, then changing to

**Followed by the 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 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.

### Representative Example

PRODUCT CODE – RDS31

This is a 2.10% 2 year discounted variable rate mortgage. 20% equity required.

This mortgage is available for product transfers.

This product has a floor rate.

A mortgage of £120,000 payable over 23 years initially on a discounted rate for 2 years at 2.10% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 21 years would require 24 monthly payments of £548.58 and 252 monthly payments of £767.04.

The total amount payable would be £206,580 made up of the loan amount plus interest (£86,580) 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 product transfer on a repayment basis.

**Initial Rate 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
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.

PRODUCT CODE - 059FIX

This is a 3.99% 2 year fixed rate mortgage. A 5% deposit is required.

A £1,500 cashback is payable on completion. This mortgage is available for both house purchase and remortgages.

Legal and Valuation fees are paid by the Society for remortgages (option of £150 contribution for legal fees and maximum free valuation fee is £665) Scottish properties are subject to £150 legal fee contribution only). For purchases fees are payable the applicant.

The minimum valuation is £125,000 (£50,000 in Cumbria and Lancashire). 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 £150,000 is payable over 25 years initially on a fixed rate for 2 years at 3.99% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £791.03 and 276 monthly payments of £936.85.

The total amount payable would be £278,050.32 made up of the loan amount plus interest (£277,640.32) a CHAPS Fee of £20.00, a Valuation fee of £270.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.6% APRC representative.

Please note the example above is for a house purchase on 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 – RFX41

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

This mortgage is available for Product transfers.

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.

A mortgage of £125,000 payable over 23 years initially on a fixed rate for 5 years at 2.99% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 18 years would require 60 monthly payments of £626.88 and 216 monthly payments of £780.93.

The total amount payable would be £206,413.68 made up of the loan amount plus interest (£81,293.68) 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 product transfer on a repayment basis

**Initial fixed rate 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
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.

### Representative Example

PRODUCT CODE – RFX40

This is a 2.89% 2 year fixed rate mortgage. 20% equity required .

This mortgage is available for product transfers.

A mortgage of £125,000 payable over 23 years initially on a fixed rate for 2 years at 2.89% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £620.50 and 252 monthly payments of £804.20

The total amount payable would be £217,670.40 made up of the loan amount plus interest (£92,550.40) 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 Product transfer on a repayment basis.

**Initial fixed rate for 5 years**

then changing to .......

**The Society’s Mortgage Variable Rate**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example
### Representative Example

PRODUCT CODE – RFX43

This is a 3.99% 5 year fixed rate mortgage. No equity is required.

This mortgage is available for Product transfers.

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.

A mortgage of £120,000 payable over 23 years initially on a fixed rate for 5 years at 3.99% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 18 years would require 60 monthly payments of £665.05 and 216 monthly payments of £764.18.

The total amount payable would be £205,085.88 made up of the loan amount plus interest (£84,965.88) 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 product transfer 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

PRODUCT CODE - 060FIX

This is a 4.15% 5 year fixed rate mortgage. A 5% deposit is required.

A £1,500 cashback is payable on completion. This mortgage is available for both house purchase and remortgages.

Legal and Valuation fees are paid by the Society for remortgages (option of £150 contribution for legal fees and maximum free valuation fee is £665) Scottish properties are subject to £150 legal fee contribution only). For purchases fees are payable the applicant. 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 property valuation is £125,000 (£50,000 in Cumbria and Lancashire). 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 £150,000 payable over 25 years initially on a fixed rate for 5 years at 4.15% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 20 years would require 60 monthly payments of £804.34 and 240 monthly payments of £923.01.

The total amount payable would be £270,000 made up of the loan amount plus interest (£269,867.80), a CHAPS Fee of £20.00, a Valuation fee of £270.00 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.

**Initial fixed for 2 years**

then changing to...

**The Society’s 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 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.

**Representative Example**

PRODUCT CODE - 052FIX

This is a 1.80% 2 year fixed rate mortgage. A 30% 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 £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.

A mortgage of £185,000 payable over 25 years initially on a fixed rate for 2 years at 1.80% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £771.50 and 276 monthly payments of £1,143.71.

The total amount payable would be £334,709.96 made up of the loan amount plus interest (£332,909.96) an Application fee of £1250, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.3% APRC representative.

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

**Initial 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
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.

**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 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 by the applicant.

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..

A mortgage of £185,000 payable over 25 years initially on a fixed rate for 2 years at 1.99% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £788.61 and 276 monthly payments of £1,145.56.

The total amount payable would be £335,631.20 made up of the loan amount plus interest (£333,831.20) an Application fee of £1250, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.3% APRC representative.

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

**Initial fixed rate 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
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.

### Representative Example

PRODUCT CODE - 048FIX

This is a 2.69% 2 year fixed rate mortgage. A 10% deposit is required.

This mortgage is available for both house purchase and remortgages.

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..

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

The total amount payable would be £311,709.00 made up of the loan amount plus interest (£309,944.00) an Application fee of £1250, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.4% APRC representative.

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

**Initial fixed rate for 2 years**

then changing too .....

**The Society’s 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 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.

### Representative Example

PRODUCT CODE - 057FIX

This is a 3.68% 2 year fixed rate mortgage. A 5% deposit is required.

A cashback of £500 is payable on completion of the mortgage. This mortgage is available for both house purchase and remortgages.

The minimum valuation is £125,000 (£50,000 in Cumbria and Lancashire) . The minimum loan amount is £30,000 and the maximum loan size is £500,000.

The maximum term available is 40 years.

There is no product fee with this mortgage.

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 2 years at 3.68% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £765.60 and 276 monthly payments of £934.82.

The total amount payable would be £276,879.72 made up of the loan amount plus interest (276,364.72) an Application fee of £0, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.6% APRC representative.

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

**Initial fixed rate for 3 years**

then changing to....

**The Society’s 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 - 049FIX

This is a 2.43% 3 year fixed rate mortgage. A 20% deposit is required.

This mortgage is available for both house purchase and remortgages.

An early repayment charge will apply if you repay all or part of your mortgage within the first 3 years. This charge will be applied on a sliding scale of 3% in the first year, 2% in the second year, and 1% in the third year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 3 years.

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

The maximum term available is 40 years.

There is no product fee with this mortgage.

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

The total amount payable would be £321,504.44 made up of the loan amount plus interest (£319,739.44) an Application fee of £1250, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.1% APRC representative.

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

**Initial fixed rate for 5 years**

then changing to....

**The Society's Mortgage Variable Rate**

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 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.

### Representative Example

PRODUCT CODE - 055FIX

This is a 2.18% 5 year fixed 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 by the applicant.

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.

A mortgage of £185,000 payable over 25 years initially on a fixed rate for 5 years at 2.18% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 20 years would require 60 monthly payments of £805.94 and 240 monthly payments of £1,103.45.

The total amount payable would be £313,714.40 made up of the loan amount plus interest (£311,914.40) an Application fee of £1250, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 4.5% 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
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.

### Representative Example

PRODUCT CODE - 053FIX

This is a 2.58% 5 year fixed rate mortgage. A 20% 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 £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 £180,000 payable over 25 years initially on a fixed rate for 5 years at 2.58% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 20 years would require 60 monthly payments of £820.53 and 240 monthly payments of £1082.69.

The total amount payable would be £309,607.40 made up of the loan amount plus interest (£307,807.40) an Application fee of £1250, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 4.7% APRC representative.

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

**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
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.

### Representative Example

PRODUCT CODE - 054FIX

This is a 2.78% 5 year fixed rate mortgage. A 10% 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 £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.

A mortgage of £180,000 payable over 25 years initially on a fixed rate for 5 years at 2.78% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 20 years would require 60 monthly payments of £839.00 and 240 monthly payments of £1,087.03.

The total amount payable would be £311,722.20 made up of the loan amount plus interest (£309,957.20) an Application fee of £1250, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 4.7% 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**

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 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.

### Representative Example

PRODUCT CODE - 058FIX

This is a 3.99% 5 year fixed rate mortgage. A 5% deposit is required.

A cashback of £500 is payable on completion of the mortgage. This mortgage is available for both house purchase and remortgages.

The minimum valuation is £125,000 (£50,000 in Cumbria and Lancashire) . The minimum loan amount is £30,000 and the maximum loan size is £500,000.

The maximum term available is 40 years.

There is no product fee with this mortgage.

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 5 years at 3.99% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 20 years would require 60 monthly payments of £920.44 and 240 monthly payments of £920.44.

The total amount payable would be £268,862.40 made up of the loan amount plus interest (£268,347.40) an Application fee of £0, a CHAPS Fee of £20.00, a Valuation fee of £270.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.2% APRC representative.

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

### Representative Example

PRODUCT CODE - FBTL33

This is a 3.14% 2 year fixed rate mortgage. A 25% deposit is required.

This mortgage is available for Unregulated Buy to Let purchases and remortgages.

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 £195,000 payable over 25 years initially on a fixed rate for 2 years at 3.14% and then on our Buy to Let Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £514.21 and 276 monthly payments of £948.20.

The total amount payable would be £471,089.24 made up of the loan amount plus interest (£469,044.24) an Application fee of £1,495, a CHAPS Fee of £20, a Valuation fee of £305, a Legal fee of £105 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 5.6% APRC representative.

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

**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 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.

### Representative Example

PRODUCT CODE - FBTL30

This is a 2.39% 2 year fixed rate mortgage. A 35% deposit is required.

This mortgage is available for Unregulated Buy to Let purchases and remortgages.

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 £195,000 payable over 25 years initially on a fixed rate for 2 years at 2.39% and then on our Buy to Let Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £391.39 and 276 monthly payments of £948.21.

The total amount payable would be £468,144.32 made up of the loan amount plus interest (£466,099.32) an Application fee of £1495, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.The overall cost for comparison is 5.5% APRC representative.

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

**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.

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.

### Representative Example

PRODUCT CODE - FBTL32

This is a 3.99% 5 year fixed rate mortgage. A 25% deposit is required.

This mortgage is available for Unregulated Buy to Let purchases and remortgages.

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 £195,000 payable over 25 years initially on a fixed rate for 5 years at 3.99% and then on our Buy to Let Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 20 years would require 60 monthly payments of £653.41 and 240 monthly payments of £948.20.

The total amount payable would be £463,817.60 made up of the loan amount plus interest (£461,772.60) an Application fee of £1495, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.The overall cost for comparison is 5.4% APRC representative.

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

**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 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.

### Representative Example

PRODUCT CODE - FRHL06

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

This mortgage is available for Holiday Let purchases and remortgages.

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 £195000 payable over 25 years initially on a fixed rate for 2 years at 2.84% and then on our Buy to Let Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £464.51 and 276 monthly payments of £947.03.

The total amount payable would be £469,328.52 made up of the loan amount plus interest (£467,528.52) an Application fee of £1250, a CHAPS Fee of £20.00, a Valuation fee of £305.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.The overall cost for comparison is 5.6% APRC representative.

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

**Initial fixed rate 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 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.

### Representative Example

PRODUCT CODE - FRHL08

This is a 3.99% 2 year fixed rate mortgage. A 25% deposit is required.

This mortgage is available for Holiday Let purchases and remortgages.

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 £195,000 payable over 25 years initially on a fixed rate for 2 years at 3.99% and then on our Buy to Let Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £652.60 and 276 monthly payments of £947.02.

The total amount payable would be £473,839.92 made up of the loan amount plus interest (£472,039.92) an Application fee of £1,250, a CHAPS Fee of £20, a Valuation fee of £305. a Legal fee of £105 and a Mortgage Discharge Fee of £120.

The overall cost for comparison is 5.7% APRC representative. Please note the example above is for a house purchase on an interest only basis.

**Initial fixed rate for 2 years**

then changing too .....

**The Society's 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 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.

### Representative Example

PRODUCT CODE - SOF004

This is a 3.68% 2 year fixed rate mortgage. A 5% deposit is required.

A cashback of £500 is payable on completion of the mortgage. This mortgage is available for both house purchase and remortgages.

The minimum loan amount is £30,000

The maximum term available is 40 years.

There is no product fee with this mortgage.

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 2 years at 3.68% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £765.60 and 276 monthly payments of £934.82.

The total amount payable would be £276,879.72 made up of the loan amount plus interest (£276,364.72) an Application fee of £0, a CHAPS Fee of £20.00, a Valuation fee of £245.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.6% APRC representative.

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

**Initial Rate for 2 years**

**Followed by the Mortgage Variable Rate - currently**

**The overall cost for comparison is**

**Product fee**

Show Representative Example

PRODUCT CODE – RFX46

This is a 1.89% 2 year fixed rate mortgage. 40% equity is required.

This mortgage is available for product transfers.

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

A mortgage of £120,000 payable over 23 years initially on a fixed rate for 2 years at 1.89% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 21 years would require 24 monthly payments of £536.44 and 252 monthly payments of £765.68.

The total amount payable would be £205,945.92 made up of the loan amount plus interest (£85,825.92) 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 product transfer 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 – RFX45

This is a 2.19% 5 year fixed rate mortgage. 40% equity is required.

This mortgage is available for Product transfers.

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.

A mortgage of £120,000 payable over 23 years initially on a fixed rate for 5 years at 2.19% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 21 years would require 60 monthly payments of £553.82 and 192 monthly payments of £737.42.

The total amount payable would be £192,631.92 made up of the loan amount plus interest (£72,511.92) and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 4.3% APRC representative.

Please note the example above is for a product transfer on a repayment basis

**Initial Rate for 2 years**

**Followed by the Mortgage Variable Rate - currently**

**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 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.

### Representative Example

PRODUCT CODE – RFX28

This is a 2.39% 2 year fixed rate mortgage. 20% equity is required.

This mortgage is available for product transfers.

A mortgage of £120,000 payable over 23 years initially on a fixed rate for 2 years at 2.39% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £565.60 and 252 monthly payments of £768.90.

The total amount payable would be £207,457.20 made up of the loan amount plus interest (£87,457.72) 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 Product transfer on a repayment basis.

**Initial Rate for 5 years**

**Followed by the Mortgage Variable Rate - currently**

**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 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.

### Representative Example

PRODUCT CODE – RFX30

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

This mortgage is available for Product transfers.

A mortgage of £120,000 payable over 23 years initially on a fixed rate for 5 years at 2.79% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 18 years would require 60 monthly payments of £589.59 and 216 monthly payments of £746.59.

The total amount payable would be £196,758.84 made up of the loan amount plus interest 76,758.84) and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 4.6% APRC representative.

Please note the example above is for a product transfer on a repayment basis

**Initial Rate for 2 years**

the 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
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.

PRODUCT CODE – BFX03

This is a 2.99% 2 year fixed rate mortgage. 40% equity required.

This mortgage is available for Buy to Let product transfers.

Representative Example

A mortgage of £65,000 payable over 23 years initially on a fixed rate for 2 years at 2.99% and then on our Buy to Let Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 21 years would require 24 monthly payments of £161.96 and 252 monthly payments of £313.63.

The total amount payable would be £148,041.80 made up of the loan amount plus interest (£82,921.80) 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 product transfer on an interest only basis.

**Initial rate fixed for 2 years**

the 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 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.

PRODUCT CODE – RFX27

This is a 3.69% 2 year fixed rate mortgage. 0% equity is required.

This mortgage is available for product transfers.

Representative Example

A mortgage of £120,000 payable over 23 years initially on a fixed rate for 2 years at 3.69% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 21 years would require 24 monthly payments of £645.70 and 252 monthly payments of £776.75.

The total amount payable would be £211,357.80 made up of the loan amount plus interest (£91,237.80) 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 product transfer on a repayment basis

**Initial Rate for 3 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
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.

PRODUCT CODE – BFX04

This is a 3.39% 2 year fixed rate mortgage. 20% equity required.

This mortgage is available for Buy to Let product transfers.

Representative Example

A mortgage of £65,000 payable over 23 years initially on a fixed rate for 2 years at 3.39% and then on our Buy to Let Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 21 years would require 24 monthly payments of £183.63 and 252 monthly payments of £313.63.

The total amount payable would be £148,561.88 made up of the loan amount plus interest (£83,441.88) and a Mortgage Discharge Fee of £120.00.The overall cost for comparison is 5.6% APRC representative.

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

**Initial fixed rate for 3 years**

then changing to....

**Followed by the Mortgage Variable Rate - currently**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

Show Representative Example

PRODUCT CODE – RFX22

This is a 2.69% 3 year fixed rate mortgage. 20% equity required.

This mortgage is available for product transfers.

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.

Representative Example

A mortgage of £125,000 payable over 23 years initially on a fixed rate for 3 years at 2.69% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 20 years would require 36 monthly payments of £607.85 and 240 monthly payments of £794.06.

The total amount payable would be £212,577.00 made up of the loan amount plus interest (£87,457) and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5% APRC representative.

Please note the example above is for a product transfer on a repayment basis.