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 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 - 038FIX

This is a 4.79% 5 year fixed rate mortgage. A 5% deposit is required.

This mortgage is available for house purchases only.

£1,500 Cashback payable on completion.

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 £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 4.79% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 20 years would require 60 monthly payments of £858.75 and 240 monthly payments of £914.11.

The total amount payable would be £271,406.40 made up of the loan amount plus interest (£269,641.40) 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 5.4% APRC representative.

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

**Initial fixed rate for 2 years**

then changing 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 - 039FIX

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

This mortgage is available for both house purchase and remortgages.

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

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

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

The maximum term available is 40 years.

This mortgage has a £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 discounted rate for 2 years at 2.39% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £825.36 and 276 monthly payments of £1,123.61.

The total amount payable would be £330,455.00 made up of the loan amount plus interest (£328,655.00) 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 5.2% 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 - 034FIX

This is a 2.28% 3 year fixed rate mortgage. A 20% deposit is required.

This mortgage is available for both house purchase and remortgages.

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

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

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

The maximum term available is 40 years.

This mortgage has a £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 discounted rate for 3 years at 2.28% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 22 years would require 36 monthly payments of £793.27 and 264 monthly payments of £1079.82.

The total amount payable would be £314,160.20 made up of the loan amount plus interest (£312,360.20) 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 4.9% APRC representative.

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

**Initial fixed 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 - 037FIX

This is a 3.38% 5 year fixed rate mortgage. A 10% deposit is required.

This mortgage is available for both house purchase and remortgages.

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

An early repayment charge will apply if you repay all or part of your mortgage within the first 5 years. This charge will be applied on a sliding scale of 5% in the first year, 4% in the second year, 3% in the third year, 2% in the fourth year and 1% in the fifth year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 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 £170,000 payable over 25 years initially on a fixed rate for 5 years at 3.38% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 20 years would require 60 monthly payments of £846.44 and 240 monthly payments of £1018.10.

The total amount payable would be £295,625.40 made up of the loan amount plus interest (£293,860.40) 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 4.8% 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.

### Representative Example

PRODUCT CODE - 036FIX

This is a 2.94% 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 2.94% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 20 years would require 60 monthly payments of £853.96 and 240 monthly payments of £1068.50.

The total amount payable would be £308,207.60 made up of the loan amount plus interest (£306,407.60) 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 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.

### Representative Example

PRODUCT CODE - 040FIX

This is a 3.49% 2 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 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 discounted rate for 2 years at 3.49% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £856.50 and 276 monthly payments of £1041.90.

The total amount payable would be £308,615.40 made up of the loan amount plus interest (£306,850.40) 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
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 - 035FIX

This is a 3.35% 3 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 3 years. This charge will be applied on a sliding scale of 3% in the first year and 2% in the second year and 1% in the third . However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 3 years.

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

The maximum term available is 40 years.

This mortgage has a £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 discounted rate for 3 years at 3.35% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 22 years would require 36 monthly payments of £843.70 and 264 monthly payments of £1033.14.

The total amount payable would be £303,617.16 made up of the loan amount plus interest (£301,852.16) 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 5.2% 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.

### Representative Example

PRODUCT CODE - 041FIX

This is a 4.49% 2 year fixed rate mortgage. A 5% deposit is required.

This mortgage is available for both house purchase and remortgages.

£500 Cashback payable on completion.

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.

A mortgage of £155,000 payable over 25 years initially on a fixed rate for 2 years at 4.49% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £860.77 and 276 monthly payments of £949.58.

The total amount payable would be £283,237.56 made up of the loan amount plus interest (£282,722.56) 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 5.5% 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 - FBTL19

This is a 2.19% 2 year fixed 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 £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 2.19% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £358.19 and 276 monthly payments of £906.15.

The total amount payable would be £455,493.96 made up of the loan amount plus interest (£453,693.96) 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 an interest only basis.

**Initial fixed 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.

### Representative Example

PRODUCT CODE - FBTL20

This is a 2.85% 2 year fixed 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 3 years.

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

The maximum term available is 40 years.

This mortgage has a £1,250 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 2.85% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £466.16 and 276 monthly payments of £906.16.

The total amount payable would be £458,087.52 made up of the loan amount plus interest (£456,287.52) 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 5.4% APRC representative.

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

**Initial fixed 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
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 - FBTL21

This is a 2.39% 3 year fixed rate mortgage. A 35% 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 and 2% in the second year and 1% in the third year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 3 years.

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

The maximum term available is 40 years.

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

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

A mortgage of £195,000 payable over 25 years initially on a fixed rate for 3 years at 2.39% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 22 years would require 36 monthly payments of £391.39 and 264 monthly payments of £907.25.

The total amount payable would be £450,649.00 made up of the loan amount plus interest (£448,604.00) 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 5.1% APRC representative.

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

**Initial fixed 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
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 - FBTL22

This is a 3.29% 3 year fixed 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 3 years. This charge will be applied on a sliding scale of 3% in the first year, 2% in the second year and 1% in the third year. However a maximum of 10% overpayment is allowed in each 12 month anniversary period within the first 3 years.

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

The maximum term available is 40 years.

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

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

A mortgage of £195,000 payable over 25 years initially on a fixed rate for 3 years at 3.29% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 22 years would require 36 monthly payments of £538.78 and 264 monthly payments of £907.26.

The total amount payable would be £455,957.72 made up of the loan amount plus interest (£453,912.72) 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 5.3% APRC representative.

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

**Initial fixed 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.

### Representative Example

PRODUCT CODE - FBTL24

This is a 3.99% 5 year fixed 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 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 £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 5 years at 3.99% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 20 years would require 60 monthly payments of £652.60 and 240 monthly payments of £906.14.

The total amount payable would be £453,429.60 made up of the loan amount plus interest (£451,629.60) 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 5.2% APRC representative.

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

**Initial fixed 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 - FRHL04

This is a 3.09% 2 year fixed 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.

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 3.09% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £504.74 and 276 monthly payments of £904.98.

The total amount payable would be £458,433.24 made up of the loan amount plus interest (£456,888.24) 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.

**Initial fixed 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 - FRHL05

This is a 4.09% 2 year fixed rate mortgage. A 25% 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.

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 4.09% and then on our Mortgage Variable Rate (MVR) of 5.54% (variable) for the remaining 23 years would require 24 monthly payments of £668.08 and 276 monthly payments of £905.00.

The total amount payable would be £462,358.92 made up of the loan amount plus interest (£460,813.92) 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.