PRODUCT CODE - DS296

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

This mortgage is available for both house purchase and remortgages.

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

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

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

The maximum term available is 40 years.

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

This product has a floor rate.

Representative Example

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

The total amount payable would be £273,272.28 made up of the loan amount plus interest (£271,758.28) an Application fee of £999, a CHAPS Fee of £20.00, a Valuation fee of £195.00, a Legal fee of £105.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.0% APRC representative.

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

PRODUCT CODE - DS301

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

This mortgage is available for both house purchase and remortgages.

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

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

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

The maximum term available is 40 years.

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

This product has a floor rate.

Representative Example

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

The total amount payable would be £354,091.64 made up of the loan amount plus interest (£352,542.64) 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 4.8% APRC representative.

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

PRODUCT CODE - DS297

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

This mortgage is available for both house purchase and remortgages.

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

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

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

The maximum term available is 40 years. 

This product has a floor rate.

Representative Example

A mortgage of £155,000 payable over 25 years initially on a discounted rate for 2 years at 1.94% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £652.65 and 276 monthly payments of £931.75.

The total amount payable would be £273,321.60 made up of the loan amount plus interest (£272,806.60), 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 5.0% APRC representative.

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

PRODUCT CODE - DS308

This is a 2.30% 2 year discounted variable rate mortgage.  A 10% deposit is required.

This mortgage is available for both house purchase and remortgages.

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

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

The minimum loan amount is £30,000 and the maximum loan amount is £750,000.

The maximum term available is 40 years.

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

This product has a floor rate.

Representative Example

A mortgage of £180,000 payable over 25 years initially on a discounted rate for 2 years at 2.30% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £793.97 and 276 monthly payments of £1091.13.

The total amount payable would be £320,702.16 made up of the loan amount plus interest (£319,188.16) 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 5.1% APRC representative.

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

PRODUCT CODE - DS306

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

This mortgage is available for both house purchase and remortgages.

£300 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.

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

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

The maximum term available is 40 years.

This product has a floor rate.

Representative Example

A mortgage of £150,000 payable over 25 years initially on a discounted rate for 2 years at 2.99% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £710.63 and 276 monthly payments of £909.26.

The total amount payable would be £268,505.88 made up of the loan amount plus interest (£267,990.88) 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.

PRODUCT CODE - LET125

This is a 1.84% 2 year discounted variable rate mortgage.  A 35% deposit is required.

This mortgage is available for both house purchase and remortgages.

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

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

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

The maximum term available is 40 years.

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

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

Representative Example

A mortgage of £162,500 payable over 25 years initially on a discounted rate for 2 years at 1.84% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £250.72 and 276 monthly payments of £754.92.

The total amount payable would be £378,420.20 made up of the loan amount plus interest (£376,875.20) 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 5.2% APRC representative.

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

PRODUCT CODE - LET126

This is a 1.99% 2 year discounted variable rate mortgage.  A 25% deposit is required.

This mortgage is available for both house purchase and remortgages.

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

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

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

The maximum term available is 40 years.

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

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

Representative Example

A mortgage of £187,500 payable over 25 years initially on a discounted rate for 2 years at 1.99% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £312.62 and 276 monthly payments of £870.34.

The total amount payable would be £436,761.72 made up of the loan amount plus interest (£435,216.72) 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 5.2% APRC representative.

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

PRODUCT CODE - LET118

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

This mortgage is available for both house purchase and remortgages.

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

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

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

The maximum term available is 40 years.

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

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

PRODUCT CODE - CBTL06

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

This mortgage is available for both house purchase and remortgages.

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

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

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

The maximum term available is 40 years.

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

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

Representative Example

A mortgage of £230,000 payable over 25 years initially on a discounted rate for 2 years at 2.80% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £536.67 and 276 monthly payments of £1061.84.

The total amount payable would be £537,567.92 made up of the loan amount plus interest (£535,972.92) 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 5.3% APRC representative.

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

PRODUCT CODE - LET105

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

This mortgage is available for both house purchase and remortgages.

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

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

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

The maximum term available is 40 years.

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

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

Representative Example

A mortgage of £175,000 payable over 25 years initially on a discounted rate for 2 years at 3.40% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £498.78 and 276 monthly payments of £812.72.

The total amount payable would be £412,851.44 made up of the loan amount plus interest (£411,306.44) 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 5.4% APRC representative.

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

PRODUCT CODE - LET110

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

This mortgage is available for both house purchase and remortgages.

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

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

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

The maximum term available is 40 years.

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

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

Representative Example

A mortgage of £175,000 payable over 25 years initially on a discounted rate for 2 years at 3.65% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £535.46 and 276 monthly payments of £812.72.

The total amount payable would be £413,731.76  made up of the loan amount plus interest (£412,186.76) 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 5.5% APRC representative.

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

PRODUCT CODE - CBTL3

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

This mortgage is available for both house purchase and remortgages.

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

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

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

The maximum term available is 40 years.

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

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

Representative Example

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

The total amount payable would be £352,835.00 made up of the loan amount plus interest (£351,325.00) 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 5.4% APRC representative.

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

PRODUCT CODE - HLET001

This is a 2.24% 2 year discounted variable rate mortgage.  A 35% deposit is required.

This mortgage is available for both house purchase and remortgages.

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

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

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

The maximum term available is 40 years.

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

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

Representative Example

A mortgage of £163,500 payable over 25 years initially on a discounted rate for 2 years at 2.24% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £305.23 and 276 monthly payments of £754.92.

The total amount payable would be £379,728.44 made up of the loan amount plus interest (£378,183.44) 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 5.3% APRC representative.

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

PRODUCT CODE - HLET002

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

This mortgage is available for both house purchase and remortgages.

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

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

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

The maximum term available is 40 years.

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

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

Representative Example

A mortgage of £187,500 payable over 25 years initially on a discounted rate for 2 years at 3.39% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £532.55 and 276 monthly payments of £870.37.

The total amount payable would be £442,048.32 made up of the loan amount plus interest (£440,503.32) 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 5.4% APRC representative.

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

PRODUCT CODE - BRF05

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

This mortgage is available for both house purchase and remortgages.

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

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

The maximum term available is 2 years.

Please Note:

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

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

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

Representative Example

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

The total amount payable would be £101,153.16 made up of the loan amount plus interest (£99,139.16) an Application fee of £1499, 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 6.3% APRC representative.

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

PRODUCT CODE - BRF06

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

This mortgage is available for both house purchase and remortgages.

There is no early repayment charge for this mortgage 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.

Representative Example

A mortgage of £90,000 payable over 2 years initially on a discounted rate for 2 years at 5.79% would require 24 monthly payments of £436.78.

The total amount payable would be £101,501.72 made up of the loan amount plus interest (£100,487.72) an Application fee of £499, 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 6.6% APRC representative.

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