Residential Fixed Rate Mortgages

Mortgage Product Product Code Initial Pay Rate Loan to Value Incentives Fees Overall Cost For Comparison Early Repayment Charges More Info

Residential Variable Rate Mortgages

Mortgage Product Product Code Initial Pay Rate Loan to Value Incentives Fees Overall Cost For Comparison Early Repayment Charges More Info

Buy to Let Mortgages

Mortgage Product Product Code Initial Pay Rate Loan to Value Incentives Fees Overall Cost For Comparison Early Repayment Charges More Info
2 Year Fixed Rate MFD374 3.29% 80% No £349 4.6% APRC Yes

Things you need to know

Fees
Non-refundable Application fee: £349

Minimum Interest Rate
The interest rate on this product will not drop below 2.00% (following the fixed rate period)

Loan Size

Minimum Loan: £30,000
Maximum Loan: £500,000

Minimum Purchase Price: £50,000. Inside M25 ring road: £125,000

Maximum Loan to Value (LTV)
House Purchase 80%
Remortgage 80%

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each Society year until 25 August 2022 and may be made by monthly standing order. Any additional overpayments above 10% during this period will attract a penalty calculated on the amount of the additional payments.

Property Location
Available for loans on properties in England and Wales only

Procuration Fee
The Society will pay a procuration fee of 0.40% on completion to the intermediary

Early Repayment Charges
If this mortgage is repaid in full during before 25 August 2022 an early repayment charge will apply. This will be 2% of the balance repaid during this period. Example – The maximum early repayment charge you could pay is £2,484.34 based on £124,217.

Representative Example
A mortgage of £124,217 payable over 25 years initially on a fixed rate of 3.29% for 2 years and then on our Standard Variable Rate (SVR) of 4.79% (variable) for the remaining 23 years would require 24 monthly payments of £607.96 and 240 monthly payments of £703.77.The total amount payable would be £209,601.49 made up of the loan amount plus interest (£84,615.49), a non-refundable application fee of £349, a funds transfer fee of £35, a valuation fee of £260 and a mortgage exit fee of £125.

The overall cost for comparison is 4.6% APRC representative^

Find out More or Apply
Call us on 01782 255000 selecting option 1 Hanley Intermediaries, option 1 New business enquiries

Lines are Open

9.00am to 5.00pm Monday to Friday

View our General Mortgage Criteria

Self-Build Mortgages

Mortgage Product Product Code Initial Pay Rate Loan to Value Incentives Fees Overall Cost For Comparison Early Repayment Charges More Info
Variable Discount for 2 Years (Arrears) (For Part-Built) MDS239 3.25% 60% No £1,498 4.6% APRC No

Things you need to know

Fees
Non-refundable Application Fee: £299
Product fee: £1,199 (can be added to loan subject to maximum loan to value limits or paid by debit card prior to completion)

Minimum Interest Rate
The interest rate on this product will not drop below 2.00%

Incentives
No

Loan Size
Minimum Loan £30,000
Maximum Loan £500,000

Maximum Loan to Value (LTV)
House Purchase 60% (Land / Construction or Renovation End Valuation)
Remortgage 60% (Land / Construction or Renovation End Valuation)

Overpayments
There are no restrictions on overpayments.

Property Location
Available for loans on properties in England, Wales and Scotland (Scottish Islands by referral only)

Procuration Fee
The Society will pay a procuration fee of 0.50% on completion to the intermediary

Early Repayment Charges
There are no early repayment charges.

Product Specific Criteria
The property should be at a minimum of wall plate level for self-build for full structural overhaul including roofing and damp proof course in respect of a renovation
Covered by an acceptable warranty provider (retrospective warranty is not acceptable – see self-build lending guide for details)
Certified by the warranty provider and sign off certificates for each stage should be submitted with the application
Funds will be released in stages

Representative Example
 A mortgage of £206,000 payable over 25 years initially on a discounted variable rate of 3.25% for 2 years and then on our Standard Variable Rate (SVR) of 4.79% (variable) for the remaining 23 years would require 24 monthly payments of £1,003.87and 276 monthly payments of £1,166,78. The total amount payable would be £348,093.13 made up of the loan amount plus interest (£140,125.13), an Application fee of £299, a Product fee of £1,199, a Funds transfer fee of £35
a Valuation Fee of £310 and a Mortgage Exit Fee of £125.

The overall cost for comparison is 4.6% APRC representative^

Find out More or Apply
Call us on 01782 255000 selecting option 1 Hanley Intermediaries, option 1 New business enquiries

Lines are Open

9.00am to 5.00pm Monday to Friday

How Much Can Your Client Borrow?
Monthly Payment Calculator
View our General Mortgage Criteria
2 Year Variable Discount (Arrears) MDS237 3.84% 60% No £999 4.7% APRC Yes

Things you need to know

Fees
Non-refundable Application Fee: £299
Product fee: £700 (can be added to loan subject to maximum loan to value limits or paid by debit card prior to completion)

Minimum Interest Rate
The interest rate on this product will not drop below 2.00%

Incentives
No

Loan Size
Minimum Loan £30,000
Maximum Loan £1,000,000 (Loans above £500,000 will be considered on an individual basis)

Maximum Loan to Value (LTV)
House Purchase 60% (Land / Construction or Renovation End Valuation)
Remortgage 60% (Land / Construction or Renovation End Valuation)

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each Society year during the first 2 years and may be made by monthly standing order. Any additional overpayments above 10% during this period will attract a penalty calculated on the amount of the additional payments.

Property Location
Available for loans on properties in England, Wales and Scotland (Scottish Islands by referral only)

Procuration Fee
The Society will pay a procuration fee of 0.50% on completion to the intermediary.

Early Repayment Charges
If this mortgage is repaid in full during the first 2 years an early repayment charge will apply. This will be 2% of the balance repaid during this period.

Example – The maximum early repayment charge you could pay is £4,120 based on £206,000.

Representative Example
A mortgage of £206,000 payable over 25 years on a discounted variable rate of 3.84% which represents a discount of 0.95%, for 2 years and then on our Standard Variable Rate 4.79% (variable) for the remaining 23 years would require 24 monthly payments of £1,069.23 and 276 monthly payments of £1,171.45. The total amount payable would be £350,377.17 made up of the loan amount plus interest (£142,878.17), an application fee of £299, a product fee of £700, a funds transfer fee of £35, a valuation fee of £340 and a mortgage exit fee of £125.

The overall cost for comparison is 4.7% APRC representative^

Find out More or Apply
Call us on 01782 255000 selecting option 1 Hanley Intermediaries, option 1 New business enquiries

Lines are Open

9.00am to 5.00pm Monday to Friday

How Much Can Your Client Borrow?
Monthly Payment Calculator
View our General Mortgage Criteria
2 Year Variable Discount (Arrears) (For Second Home) MDS240 3.99% 60% No £998 4.7% APRC Yes

Things you need to know

Fees
Non-refundable Application Fee: £299
Product fee: £699 (can be added to loan subject to maximum loan to value limits or paid by debit card prior to completion)

Minimum Interest Rate
The interest rate on this product will not drop below 2.00%

Incentives
No

Loan Size
Minimum Loan £30,000
Maximum Loan £500,000

Maximum Loan to Value (LTV)
House Purchase 60% (Land / Construction or Renovation End Valuation)
Remortgage 60% (Land / Construction or Renovation End Valuation)

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each Society year during the first 2 years and may be made by monthly standing order. Any additional overpayments above 10% during this period will attract a penalty calculated on the amount of the additional payments.

Property Location
Available for loans on properties in England, Wales and Scotland (Scottish Islands by referral only)

Procuration Fee
The Society will pay a procuration fee of 0.50% on completion to the intermediary.

Early Repayment Charges
If this mortgage is repaid in full during the first 2 years an early repayment charge will apply. This will be 2% of the balance repaid during this period.

Example – The maximum early repayment charge you could pay is £4,120 based on £206,000.

Representative Example
A mortgage of £206,000 payable over 25 years on a variable discount of 3.99% for 2 years and then on our Standard Variable Rate 4.79% (variable) for the remaining 23 years would require 24 monthly payments of £1,086.21 and 276 monthly payments of £1,172.98. The total amount payable would be £351,279.55 made up of the loan amount plus interest (£143,811.55), an non-refundable application fee of £299, a product fee of £699, a funds transfer fee of £35, a valuation fee of £310 and a mortgage exit fee of £125.

The overall cost for comparison is 4.7% APRC representative^

Find out More or Apply
Call us on 01782 255000 selecting option 1 Hanley Intermediaries, option 1 New business enquiries

Lines are Open

9.00am to 5.00pm Monday to Friday

How Much Can Your Client Borrow?
Monthly Payment Calculator
View our General Mortgage Criteria
2 Year Variable Discount (Arrears) MDS238 4.24% 80% No £899 4.8% APRC Yes

Things you need to know

Fees
Non-refundable Application Fee: £250
Product fee: £649 (can be added to loan subject to maximum loan to value limits or paid by debit card prior to completion)

Minimum Interest Rate
The interest rate on this product will not drop below 2.00%

Incentives
No

Loan Size
Minimum Loan £30,000
Maximum Loan £1,000,000 (loans over £500,000 will be considered on an individual basis)

Maximum Loan to Value (LTV)
House Purchase 80% (Land / Construction or Renovation End Valuation)
Remortgage 80% (Land / Construction or Renovation End Valuation)

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each Society year during the first 2 years and may be made by monthly standing order. Any additional overpayments above 10% during this period will attract a penalty calculated on the amount of the additional payments.

Property Location
Available for loans on properties in England, Wales and Scotland (Scottish Islands by referral only)

Procuration Fee
The Society will pay a procuration fee of 0.50% on completion to the intermediary.

Early Repayment Charges
If this mortgage is repaid in full during the first 2 years an early repayment charge will apply. This will be 2% of the balance repaid during this period.

Example – The maximum early repayment charge you could pay is £4,000 based on £200,000.

Representative Example
A mortgage of £200,000 payable over 25 years initially on a discounted variable rate of 4.24% for 2 years and then on our Standard Variable Rate 4.79% (variable) for the remaining 23 years would require 24 monthly payments of £1,082.36 and 276 monthly payments of £1,140.75. The total amount payable would be £342,193.02 made up of the loan amount plus interest (£140,824.02), an non-refundable application fee of £250, a product fee of £649, a funds transfer fee of £35, a valuation fee of £310 and a mortgage exit fee of £125.

The overall cost for comparison is 4.8% APRC representative^

Find out More or Apply
Call us on 01782 255000 selecting option 1 Hanley Intermediaries, option 1 New business enquiries

Lines are Open

9.00am to 5.00pm Monday to Friday

How Much Can Your Client Borrow?
Monthly Payment Calculator
View our General Mortgage Criteria

Retirement Interest Only Mortgages

Mortgage Product Product Code Initial Pay Rate Loan to Value Incentives Fees Overall Cost For Comparison Early Repayment Charges More Info
Retirement Interest Only (with LPA/CPA) MDS205 2.59% 65% No £250 2.6% APRC No

Things you need to know

Fees
Non-refundable Application Fee: £250

Minimum Interest Rate
The interest rate on this product will not drop below 2.00%

Incentives
No

Loan Size
Minimum Loan £10,000
Maximum Loan £750,000

Maximum Loan to Value (LTV)
House Purchase 65%
Remortgage up to 65%

Maximum Lasting Power of Attorney (LPA)
An LPA must be in place to be eligible for this product (In Scotland Continuing Power of Attorney).

Property Location
Available for properties located in England, Wales and Scotland (Scottish Islands on referral).

Procuration Fee
The Society will pay a procuration fee of 0.35% on completion to the intermediary.

Early Repayment Charges
There are no early repayment charges

Representative Example
A mortgage of £56,275 payable over 25 years on a discounted variable rate of 2.59% for 25 years would require 300 monthly payments of £121.46. The total amount payable would be £93,258.06 made up of the loan amount plus interest (£36,438.06), an Application fee of £250, a Valuation fee of £260 and a Funds Transfer fee of £35.

The overall cost for comparison is 2.6% APRC representative^

RIO Guide
To found out more about Retirement Interest Only Mortgages, read our helpful guide HERE

Find out More or Apply
Call us on 01782 255000 selecting option 1 Hanley Intermediaries, option 1 New business enquiries

Lines are Open

9.00am to 5.00pm Monday to Friday

How Much Can Your Client Borrow?
View our General Mortgage Criteria
Retirement Interest Only (No LPA/CPA) MDS204 2.84% 50% No £250 2.9% APRC No

Things you need to know

Fees
Non-refundable Application Fee: £250

Minimum Interest Rate
The interest rate on this product will not drop below 2.00%

Incentives
No

Loan Size
Minimum Loan £10,000
Maximum Loan £750,000

Maximum Loan to Value (LTV)
House Purchase 50%
Remortgage up to 50%

Property Location
Available for properties located in England, Wales and Scotland (Scottish Islands on referral).

Procuration Fee
The Society will pay a procuration fee of 0.35% on completion to the intermediary

Early Repayment Charges
There are no early repayment charges.

Representative Example
A mortgage of £56,275 payable over 25 years on a discounted variable rate of 2.84% for 25 years would require 300 monthly payments of £133.18. The total amount payable would be £96,775.25 made up of the loan amount plus interest (£39,955.25), an Application fee of £250, a Valuation fee of £260 and a Funds Transfer fee of £35.

The overall cost for comparison is 2.9% APRC representative^

RIO Guide
To found out more about Retirement Interest Only Mortgages, read our helpful guide HERE

Find out More or Apply
Call us on 01782 255000 selecting option 1 Hanley Intermediaries, option 1 New business enquiries

Lines are Open

9.00am to 5.00pm Monday to Friday

How Much Can Your Client Borrow?
View our General Mortgage Criteria
Retirement Interest Only (No LPA/CPA) MDS206 3.09% 65% No £250 3.1% APRC No

Things you need to know

Fees
Non-refundable Application Fee: £250

Minimum Interest Rate
The interest rate on this product will not drop below 2.00%

Incentives
No

Loan Size
Minimum Loan £10,000
Maximum Loan £750,000

Maximum Loan to Value (LTV)
House Purchase 65%
Remortgage up to 65%

Property Location
Available for properties located in England, Wales and Scotland (Scottish Islands on referral)

Procuration Fee
The Society will pay a procuration fee of 0.35% on completion to the intermediary.

Early Repayment Charges
There are no early repayment charges

Representative Example
A mortgage of £56,275 payable over 25 years on a discounted variable rate of 3.09% for 25 years would require 300 monthly payments of £144.91. The total amount payable would be £100,292.44 made up of the loan amount plus interest (£43,472.44), an Application fee of £250, a Valuation fee of £260 and a Funds Transfer fee of £35.

The overall cost for comparison is 3.1% APRC representative^

RIO Guide
To found out more about Retirement Interest Only Mortgages, read our helpful guide HERE

Find out More or Apply
Call us on 01782 255000 selecting option 1 Hanley Intermediaries, option 1 New business enquiries

Lines are Open

9.00am to 5.00pm Monday to Friday

How Much Can Your Client Borrow?
View our General Mortgage Criteria

Interest Only Mortgages

Mortgage Product Product Code Initial Pay Rate Loan to Value Incentives Fees Overall Cost For Comparison Early Repayment Charges More Info

Near Prime Mortgage Deals

Mortgage Product Product Code Initial Pay Rate Loan to Value Incentives Fees Overall Cost For Comparison Early Repayment Charges More Info
Variable Discount for Term (Shared Ownership) MDS104 3.59% 70% Yes None 3.6% APRC Yes

Things you need to know

Minimum Interest Rate
The interest rate on this product will not drop below 2.00%

Incentives

The following incentives are offered with this product;

  • Valuation

One free standard valuation – Terms & Conditions Apply

Loan Size
Minimum Loan £30,000
Maximum Loan £500,000

Maximum Loan to Value (LTV)
House Purchase 70%
Remortgage 70%

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each Society year during the first 2 years and may be made by monthly standing order. Any additional overpayments above 10% during this period will attract a penalty calculated on the amount of the additional payments.

Higher Lending Charges
Not applicable

Property Location
Only available for loans on properties located in England & Wales

Procuration Fee
The Society will pay a procuration fee of 0.35% on completion to the intermediary

Early Redemption Charge
If this mortgage is repaid in full during the first 2 years an early repayment charge will apply. This will be 2% of the balance repaid during this period. Example – The maximum early repayment charge you could pay is £1,105 based on £55,250.

Representative example
A mortgage of £55,250 payable over 25 years on a discounted variable rate of 3.59% would require 300 monthly payments of £297.27. The total amount payable would be £83,940.55 made up of the loan amount plus interest (£28,530.55), a funds transfer fee of £35 and a Mortgage Exit Fee of £125.00

The overall cost for comparison is 3.6% APRC representative

Find out More or Apply
Call us on 01782 255000 selecting option 1 Hanley Intermediaries, option 1 New business enquiries

Lines are Open

9.00am to 5.00pm Monday to Friday

How Much Can Your Client Borrow?
Monthly Payment Calculator
View our General Mortgage Criteria