Please Note: The mortgage rates advertised are effective from 1st January 2025.
Home Purchase
Remortgages, Additional Borrowing, Renewal Options
Interest-Only Options
| Account | Term | Rate | Reverting to SVR** for the remainder of the term, currently | APRC - The overall cost for comparison is | Maximum loan to value | Fees | Other features |
|---|---|---|---|---|---|---|---|
| Interest-only | 2 Years | 5.29% Fixed | 7.99% | 7.8% | 70% | £995 Purchase & Remortgage | More |
| Interest-only | 2 Years | 5.24% Variable | 7.99% Follows SVR with discount of 2.75% (which will not go below a floor rate of 2.50%) | 7.9% | 70% | Purchase £995. | More |
| Interest-only | 2 Years | 5.24% Variable | 7.99% Follows SVR with discount of 2.75% (which will not go below a floor rate of 2.50%) | 7.8% | 70% | Remortgage Nil | More |
**Standard Variable Rate.
Retirement Interest Only
(Available for both Purchase and Remortgage)
| Account | Term | Rate (Variable) | Reverting to SVR** for the remainder of the term, currently | APRC - The overall cost for comparison is | Maximum loan to value | Fees | Other features |
|---|---|---|---|---|---|---|---|
| Interest-only | 3 Years | 5.99% | 8.24% Follows SVR with discount of 2.25% (which will not go below a floor rate of 2.50%) | 8.0% | 70% | Nil | More |
| Retirement Interest-only | 3 Years | 5.74% | 7.99% Follows SVR with discount of 2.25% (which will not go below a floor rate of 2.50%) | 7.8% | 60% | £495 | More |
**Standard Variable Rate.
Property Assist
Our Property Assist mortgage enables close family members to temporarily allow a secured charge to be placed on their own property as a deposit, to help a first-time buyer in their family obtain a 100 per cent mortgage, without actually providing a cash deposit.
Find out more| Rate (variable) | Term | Reverting to SVR** for the remainder of the term, currently | APRC - The overall cost for comparison is | Completion Fee | Maximum loan to value |
|---|---|---|---|---|---|
| 5.64% | 3 Years | 7.99% Follows SVR with discount of 2.35% (which will not go below a floor rate of 2.50%) | 7.7% | £995 | 100% |
**Standard Variable Rate.
Mixed Use
| Rate (variable) | Term | Reverting to SVR** for the remainder of the term, currently | APRC - The overall cost for comparison is | Fee | Maximum loan to value | More details |
|---|---|---|---|---|---|---|
| 6.69% | 3 Years | 7.99% Follows SVR with discount of 1.30% (which will not go below a floor rate of 2.50%) | 8.0% | 1% | 75% | More |
| 6.69% | 3 Years | 7.99% Follows SVR with discount of 1.30% (which will not go below a floor rate of 2.50%) | 8.1% | 1% | 65% | More |
**Standard Variable Rate.
Self-build
| Rate (Variable) | Term | Reverting to | Maximum loan to value | Arrangement fee | More Details |
|---|---|---|---|---|---|
| 6.19% Follows SVR of 7.99% with discount of 1.80% (which will not go below a floor rate of 2.50%) | 2 Years | Upon release of final stage you can switch to a fixed or discounted rate | 80% | 1% | More |
Buy-to-Let
| Name | Term | Rate (variable) | Reverting to SVR for the remainder of the term, currently | APRC - The overall cost for comparison is | Completion fee | Maximum loan to value | More details |
|---|---|---|---|---|---|---|---|
| Buy-to-Let Discount | 2 Years | 5.59% | 7.99% Follows SVR with discount of 2.40% (which will not go below a floor rate of 2.5%) | 7.9% | £995 | 70% | More |
| Buy-to-let Fixed | 2 Years | 5.94% Fixed | 7.99% Variable | 8.0% | £995 | 70% | More |
| Ex Pat Buy-to-Let Discount | 2 Years | 5.69% | 7.99% Follows SVR with discount of 2.30% (which will not go below a floor rate of 2.5%) | 7.9% | £995 | 70% | More |
| Ex Pat Buy-to-Let Fixed | 2 Years | 6.04% Fixed | 7.99% Variable | 8.0% | £995 | 70% | More |
Generic mortgage information
At the end of the discounted period, we can offer you a transfer to a new scheme.
Free standard valuation and free legal fees for switching your existing mortgage to us for loans up to 80% LTV.
If you prefer, as an alternative, we can offer a £500 cashback and you are free to choose your own solicitor.
Interest is calculated daily. A European Standards Information Sheet (ESIS) illustration is available on request.
If the account falls into arrears the Society may revert the account to the SVR.
EARLY REPAYMENT CHARGE Overpayment of 10% of the mortgage can be repaid each year during the discount period. If an overpayment of more than this amount takes place a 2.00% early repayment charge will be applied.
MAXIMUM LOAN of £850,000 up to 65% LTV | MAXIMUM LOAN of £600,000 up to 80% LTV | MAXIMUM LOAN of £300,000 up to 90% LTV | MAXIMUM LOAN of £300,000 up to 95% LTV
MAXIMUM TERM 40 years | MINIMUM TERM 2 years | MINIMUM AGE 18 years* (*excludes Buy-to-Let)
LTV = Loan to value | SVR = Standard variable rate
APRC = The annual percentage rate charge (APRC) is the total cost of the loan expressed as an annual percentage. The APRC is provided to help you compare different products.