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The interest rate is fixed so that monthly repayments are guaranteed to stay the same for an initial period eg 2, 3 or 5 years. During this time the mortgage repayment will be protected from the risk of interest rate rises giving peace of mind of knowing exactly what what repayments are payable each month. However, there will be no benefit benefit if interest rates fall. At the end of the fixed rate period the interest rate will revert to the Society’s underlying variable rate

**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

PRODUCT CODE - 063FIX

This is a 3.08% 2 year fixed rate mortgage. A 5% deposit is required.

This mortgage is available for both house purchase and remortgages.

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

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

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

The maximum term available is 40 years.

**Representative Example**

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 2 years at 3.08% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £717.67 and 276 monthly payments of £930.70.

The total amount payable would be £274,592.28 made up of the loan amount plus interest (£274,182.28) , a CHAPS Fee of £20.00, a Valuation fee of £270.00, a 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**

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 - 064FIX

This is a 3.38% 2 year fixed rate mortgage. A 5% deposit is required.

A £1,000 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.

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

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

The maximum term available is 40 years.

This mortgage is not available for further advances.

**Representative Example**

A mortgage of £150,000 is payable over 25 years initially on a fixed rate for 2 years at 3.38% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £741.42 and 276 monthly payments of £932.78.

The total amount payable would be £275,736.36 made up of the loan amount plus interest (£275,326.36) 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 5.5% 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
### Representative Example

PRODUCT CODE - 065FIX

This is a 3.38% 5 year fixed rate mortgage. A 5% deposit is required.

This mortgage is available for both house purchase and remortgages.

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

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

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

The maximum term available is 40 years.

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 5 years at 3.38% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 20 years would require 60 monthly payments of £741.42 and 240 monthly payments of £910.16.

The total amount payable would be £263,418.60 made up of the loan amount plus interest (£263,008.60) , 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 4.9% 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 - 066FIX

This is a 3.58% 5 year fixed rate mortgage. A 5% deposit is required.

A £1,000 cashback is payable on completion. 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.

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

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

The maximum term available is 40 years.

This mortgage is not available for further advances.

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 5 years at 3.58% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 20 years would require 60 monthly payments of £757.49 and 240 monthly payments of £913.55.

The total amount payable would be £265,196.40 made up of the loan amount plus interest (£264,786.40) , 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 5.0% 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
**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.

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

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

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

The maximum term available is 40 years.

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

**Representative Example**

PRODUCT CODE - 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.

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

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

The maximum term available is 40 years.

This mortgage has a £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
### 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.

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

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

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

The maximum term available is 40 years.

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

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 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
### 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.

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

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

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

### Representative Example

PRODUCT CODE - 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.

An early repayment charge will apply if you repay all or part of your mortgage within the first 5 years. This charge will be applied on a sliding scale of 5% in the first year, 4% in the second year, 3% in the third year, 2% in the fourth year and 1% in the fifth year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 5 years.

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

### 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.

An early repayment charge will apply if you repay all or part of your mortgage within the first 5 years. This charge will be applied on a sliding scale of 5% in the first year, 4% in the second year, 3% in the third year, 2% in the fourth year and 1% in the fifth year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 5 years.

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

The maximum term available is 40 years.

This mortgage has a £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.

### 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.

An early repayment charge will apply if you repay all or part of your mortgage within the first 5 years. This charge will be applied on a sliding scale of 5% in the first year, 4% in the second year, 3% in the third year, 2% in the fourth year and 1% in the fifth year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 5 years.

The minimum loan amount is £30,000 and the maximum loan amount is £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 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 5 years**

then changing to ......

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

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

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

PRODUCT CODE – FRHL13

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

This mortgage is available for Holiday Let purchases and remortgages.

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

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

The maximum term available is 40 years.

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

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

**Representative Example**

A mortgage of £200,000 payable over 25 years initially on a fixed rate for 5 years at 3.34% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 20 years would require 60 monthly payments of £560.20 and 240 monthly payments of £971.19.

The total amount payable would be £468,547.60 made up of the loan amount plus interest (£466,802.60) an Application fee of £1250, a CHAPS Fee of £20.00, a Valuation fee of £355.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.2% 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 currently**

for the remaining term of the mortgage

**The overall cost for comparison is**

**Product fee**

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

PRODUCT CODE – FRHL12

This is a 4.49% 5 year fixed rate mortgage. A 25% deposit is required.

This mortgage is available for Holiday Let purchases and remortgages.

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

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

The maximum term available is 40 years.

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

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

**Representative Example**

A mortgage of £200,000 payable over 25 years initially on a fixed rate for 5 years at 4.49% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 20 years would require 60 monthly payments of £753.09 and 240 monthly payments of £971.21.

The total amount payable would be £480,075.80 made up of the loan amount plus interest (£478,380.80) an Application fee of £1250, a CHAPS Fee of £20.00, a Valuation fee of £305.00 and a Mortgage Discharge Fee of £120.00.

The overall cost for comparison is 5.6% APRC representative.

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

The minimum loan amount is £20,000

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 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 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.

The minimum loan amount is £20,000

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 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 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.

PRODUCT CODE – RFX47

This is a 3.08% 2 year fixed rate mortgage. 0% equity is required.

This mortgage is available for product transfers.

Representative Example

A mortgage of £150,000 payable over 25 years initially on a fixed rate for 2 years at 3.08% and then on our Mortgage Variable Rate (MVR) of 5.79% (variable) for the remaining 23 years would require 24 monthly payments of £717.67 and 276 monthly payments of £930.70.

The total amount payable would be £274,567.28 made up of the loan amount plus interest (£274,447.28) 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 product transfer on a repayment 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.

**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 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 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
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 – RFX41

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

This mortgage is available for Product transfers.

The minimum loan amount is £20,000

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 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 – RFX43

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

This mortgage is available for Product transfers.

The minimum loan amount is £20,000

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 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 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.