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
2 Year Fixed Rate MFD341 2.70% 95% Yes £349 5.1% APRC Yes

Things you need to know

Repayment Basis
Capital & Interest

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)

Incentives

The following incentive is 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 95%
Remortgage 95%

Higher Lending Charges
A Higher Lending Charge is applicable and is paid for by The Society

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each Society year until 31 December 2021 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 properties located in England, Wales and Scotland (Scottish Islands on referral)

Early Repayment Charges
If the mortgage is repaid in full before 31 December 2021 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 £3,400 based on £170,000.

Representative Example
A mortgage of £170,000 payable over 25 years initially on a fix of 2.70% for 2 years and then on our Standard Variable Rate (SVR) of 5.44% (variable) for the remaining 23 years would require 24 monthly payments of £779.88 and 276 monthly payments of £1,018.60. The total amount payable would be £300,360.98 made up of the loan amount plus interest (£129,851.98), a Non-refundable application fee of £349, a Funds transfer fee of £35 and a Mortgage Exit Fee of £125.00

The overall cost for comparison is 5.1% APRC representative^

Find out More or Apply
Call us on 01782 255000

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
5 Year Fixed Rate MFD334 2.90% 95% Yes £299 4.6% APRC Yes

Things you need to know

Repayment Basis
Capital & Interest

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)

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 95%
Remortgage 95%

Higher Lending Charges
A Higher Lending Charge is applicable and is paid for by The Society

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each Society year until 31 October 2024 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 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
If the mortgage is repaid in full before 31 October 2024 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 £3,400 based on £170,000

Representative Example
A mortgage of £170,000.00 payable over 25 years initially on a Fixed Rate of 2.90% for 5 years and then on our Standard Variable Rate (SVR) of 5.44% (variable) for the remaining 20 years would require 60 monthly payments of £797.35 and 240 monthly payments of £993.05. The total amount payable would be £286,681.60 made up of the loan amount plus interest (£116,172.60), a non-refundable application fee of £349.00, a funds transfer fee of £35.00 and a mortgage exit fee of £125.00

The overall cost for comparison is 4.6% APRC representative^

Find out More or Apply
Call us on 01782 255159

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 Fixed Rate (Shared Ownership) MF335F 2.99% 95% No £299 5.3% APRC Yes

Things you need to know

Fees
Non-refundable application fee: £299

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

Incentives
No

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 95% of your share
Remortgage 95% of your share

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each Society year until 31 December 2021 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 0.35% on completion to the intermediary

Specific Shared Ownership Criteria
Minimum share of the property to be purchased 25%
Maximum share of the property to be purchased 75%
Staircasing must allow up to 100% ownership
Must be in conjunction with a registered Housing Association or Registered Social Landlord
The lease must include a suitable mortgage protection clause

Early Repayment Charges
If this mortgage is repaid in full during before 31 December 2021 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 £2,100.00 based on £105,000

Representative Example
 A mortgage of £105,000 payable over 25 years initially on a fix of 2.99% for 2 years and then on our Standard Variable Rate (SVR) of 5.44% (variable) for the remaining 23 years would require 24 monthly payments of £497.38 and 276 monthly payments of £635.38.The total amount payable would be £189,590.04 made up of the loan amount plus interest (£83,821.04), a £299 non-refundable application fee, a funds transfer fee of £35, a valuation fee of £310 and a mortgage exit fee of £125.00

The overall cost for comparison is 5.3% APRC representative^

Find out More or Apply
Call us on 01782 255159

Lines are Open

9.00am to 5.00pm Monday, Tuesday, Wednesday & Friday

How Much Can Your Client Borrow?
Monthly Payment Calculator
View our General Mortgage Criteria
Fixed Rate for 3 Years (Shared Ownership) MF336F 3.09% 95% No £299 5.0% APRC Yes

Things you need to know

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

Incentives
No

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 95% of your share
Remortgage 95% of your share

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each Society year until 31 December 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 0.35% on completion to the intermediary

Specific Shared Ownership Criteria
Minimum share of the property to be purchased 25%
Maximum share of the property to be purchased 75%
Staircasing must allow up to 100% ownership
Must be in conjunction with a registered Housing Association or Registered Social Landlord
The lease must include a suitable mortgage protection clause

Early Repayment Charges
If this mortgage is repaid in full during before 31 December 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 £2,137.40 based on £106,870.

Representative Example
A mortgage of £105,000.00 payable over 25 years initially on a Fixed Rate of 3.09% for 3 years and then on our Standard Variable Rate (SVR) of 5.44% (variable) for the remaining 22 years would require 36 monthly payments of £502.85 and 264 monthly payments of £625.95. The total amount payable would be £184,121.79 made up of the loan amount plus interest (£78,352.79), a funds transfer fee of £35, a non-refundable application fee of £299, a valuation fee of £310 and a mortgage exit fee of £125.00

The overall cost for comparison is 5.0% APRC representative^

Find out More or Apply
Call us on 01782 255159

Lines are Open

9.00am to 5.00pm Monday, Tuesday, Wednesday, Thursday & Friday

How Much Can Your Client Borrow?
Monthly Payment Calculator
View our General Mortgage Criteria
Fixed Rate for 5 Years (Shared Ownership) MF325F 3.75% 95% Yes None 4.9% APRC Yes

Things you need to know

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

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

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

Maximum Loan to Value (LTV)
House Purchase 95% of your share
Remortgage 95% of your share

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each Society year until 30 September 2024 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 0.35% on completion to the intermediary

Specific Shared Ownership Criteria
Minimum share of the property to be purchased 25%
Maximum share of the property to be purchased 75%
Staircasing must allow up to 100% ownership
Must be in conjunction with a registered Housing Association or Registered Social Landlord
The lease must include a suitable mortgage protection clause

Early Repayment Charges
If this mortgage is repaid in full during before 30 September 2024 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 £2,137.40 based on £106,870.

Representative Example
A mortgage of £106,870 payable over 25 years initially on a fix of 3.75% for 5 years and then on our Standard Variable Rate (SVR) of 5.44% (variable) for the remaining 20 years would require 60 monthly payments of £549.45 and 240 monthly payments of £634.35.The total amount payable would be £185,372.26 made up of the loan amount plus interest (£78,342.26), a funds transfer fee of £35 and a mortgage exit fee of £125.00

The overall cost for comparison is 4.9% APRC representative^

Find out More or Apply
Call us on 01782 255159

Lines are Open

9.00am to 5.00pm Monday, Tuesday, Wednesday, Thusday & Friday

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

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
2 Year Variable Discount
Help to Buy Outright
MDS159 2.19% 90% Yes None 5.0% APRC Yes

Things you need to know

Fees
There is no application fee

Minimum Interest Rate
The interest rate on this product will not drop below 1.94%

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

Maximum Loan to Value (LTV)
Remortgage 90%

Incentives

One free standard valuation – Terms & Conditions Apply

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each Society year during the first 5 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 Charge
Not applicable

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

Notes
Applicants must first gain approval from their local H2B agent having had their property independently valued first – full details are available at https://www.myfirsthome.org.uk/
The product is only applicable to those Applicants who wish to redeem in full with their current lender and remortgage the Government’s equity share in full
We will undertake our own valuation as normal and our decision to lend will be based upon this valuation and not the Applicants up to a maximum of 90% LTV

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

Early Repayment Charges
If this mortgage is repaid in full or in part during the first 2 years an early repayment charge will apply. This will be 3% of the balance repaid during this period. Example – The maximum early repayment charge you could pay is £4,380 based on £146,000

Representative Example
A mortgage of £146,000 payable over 25 years initially on a rate of 2.19% which represents a Discount of 3.25%, for 2 years and then on our Standard Variable Rate (SVR) of 5.44% (variable) for the remaining 23 years would require 24 monthly payments of £632.42 and 276 monthly payments of £871.22. The total amount payable would be £255,793.79 made up of the loan amount plus interest (£109,633.79), a Funds transfer fee of £35 and a Mortgage Exit Fee of £125.00

The overall cost for comparison is 5.0% APRC representative

Find out More or Apply
Call us on 01782 255159

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 MDS196 2.79% 95% Yes £299 5.1% APRC Yes

Things you need to know

Fees
Non-refundable Application Fee: £299

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

Incentives
One free standard valuation – Terms & Conditions Apply

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

Maximum Loan to Value (LTV)
House Purchase 95%

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
A Higher Lending Charge is applicable and is paid for by The Society

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
If this mortgage is repaid in full or in part during the first 2 years an early repayment charge will apply. This will be 3% of the balance repaid during this period. Example – the maximum early repayment charge you could pay is £5,130 based on £171,000

Representative Example
A mortgage of £171,000 payable over 25 years initially on a discounted variable rate of 2.79% for 2 years and then on our Standard Variable Rate (SVR) of 5.44% (variable) for the remaining 23 years would require 24 monthly payments of £792.35 and 276 monthly payments of £1,025.32 The total amount payable would be £302,462.93 made up of the loan amount plus interest (£131,003.93), an Application fee of £299, a Funds transfer fee of £35 and a Mortgage Exit Fee of £125.00
The overall cost for comparison is 5.1% APRC representative

Find out More or Apply
Call us on 01782 255159

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
Variable Discount for Term
Shared Ownership
MDS208 2.89% 95% No None 2.9% APRC Yes

Things you need to know

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

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

Maximum Loan to Value (LTV)
House Purchase 95%
Remortgage up to 95%

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

Specific Shared Ownership Criteria
Minimum share of the property to be purchased 25%
Maximum share of the property to be purchased 75%
Stair casing must allow up to 100% ownership
Must be in conjunction with a registered Housing Association or Registered Social Landlord
The lease must include a suitable mortgage protection clause

Procuration Fee
The Society will pay a procuration fee of 0.35% 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 £1,740 based on £87,000

Representative Example
A mortgage of £87,000 payable over 25 years on a discounted variable rate of 2.89% for 25 years would require 300 monthly payments of £407.60. The total amount payable would be £122,701.06 made up of the loan amount plus interest (£35,281.06), a Valuation Fee of £260, a Funds Transfer Fee of £35 and a Mortgage Exit Fee of £125.00

The overall cost for comparison is 2.9% APRC representative^

Find out More or Apply
Call us on 01782 255159

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
Variable Discount for Term MDS222 2.99% 95% Yes £299 3.0% APRC No

Things you need to know

Fees
Non-refundable £299 application fee

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

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

Maximum Loan to Value (LTV)
House Purchase 95%
Remortgage 95%

Incentives
One free standard valuation – Terms & Conditions Apply

Overpayments
There are no restrictions on overpayments which may be made by standing order

Higher Lending Charge
Not applicable

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 £170,000 payable over 25 years on a discounted variable rate of 2.99% for 25 years would require 300 monthly payments of £805.28. The total amount payable would be £242,041.59 made up of the loan amount plus interest (£71,582.59), an Application fee of £299, a Funds transfer fee of £35 and a Mortgage Exit Fee of £125.00

The overall cost for comparison is 3.0% APRC representative^

Find out More or Apply
Call us on 01782 255159

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 MDS153 3.60% 95% Yes £250 5.2% APRC Yes

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%

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

Maximum Loan to Value (LTV)
House Purchase 95%

Incentives
One free standard valuation – Terms & Conditions Apply

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each Society year during the first 5 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 Charge
A Higher Lending Charge is applicable and is paid for by The Society.

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
If this mortgage is repaid in full during the first 2 years an early repayment charge will apply. This will be 3% of the balance repaid during this period. Example – The maximum early repayment charge you could pay is £3,600 based on £120,000

Representative Example
A mortgage of £120,000 payable over 25 years initially on a discounted variable rate of 3.60% which represents a discount of 1.84% for 2 years and then on our standard variable rate (SVR) of 5.44% (variable) for the remaining 23 years would require 24 monthly payments of £607.20 and 276 monthly payments of £723.89. The total amount payable would be £214,777.07 made up of the loan amount plus interest (£94,367.07), a funds transfer fee of £35 and a mortgage exit fee of £125.00

The overall cost for comparison is 5.2% APRC representative^

Find out More or Apply
Call us on 01782 255159

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

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
5 Year Fixed Rate MFD326 3.29% 80% No £598 4.8% APRC Yes

Things you need to know

Fees
Non-refundable Application Fee: £299
Product Fee: £299 (Can be added to the 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% (following the fixed rate period)

Incentives
No

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

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 31 October 2024 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

Early Repayment Charges
If this mortgage is repaid in full before 31 October 2024 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 £2,300 based on £115,000

Representative example
A mortgage of £115,000 payable over 25 years initially on a fix of 3.29% for 5 years and then on our Standard Variable Rate (SVR) of 5.44% (variable) for the remaining 20 years would require 60 monthly payments of £562.85 and 240 monthly payments of £676.83. The total amount payable would be £197,228.14 made up of the loan amount plus interest (£81,210.14), a non-refundable application fee of £299, a funds transfer fee of £35, a valuation fee of £260 and a mortgage exit fee of £125.00

The overall cost for comparison is 4.8% APRC representative

Find out More or Apply
Call us on 01782 255000

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
2 Year Variable Discount
Direct to Intermediaries
Part Complete
MDS219 3.25% 60% No £1,498 5.2% APRC No

Things you need to know

Part Complete
This product is designed for customers who have funded their project so far out of their own funds but require a mortgage in order to complete the project.The product does not have a minimum term or early repayment charges.

Fees
Non-refundable Application Fee: £299
Product Fee: £1,199 (Can be added to the loan subject to maximum loan to value limits or paid by debit card prior to completion)
Additional fees may apply as the mortgage will be released in stages as the project progresses. Additional costs could include a valuers re-inspection and a chaps fee payment. Full details of our current fees can be found here:

Valuation Fee Scale

Mortgage Charges

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% (Construction or Renovation/End Valuation)
Remortgage – 60% (Construction or Renovation/End Valuation)

Product Specific Criteria
Property should be at a minimum of wall plate level for Self-build or Full structural overhaul including roofing and damp proof course in respect of a renovation
Covered by an acceptable warranty provider (A retrospective warranty is not acceptable) – see the 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

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

Self-Build Guide
Our qualified Mortgage Advisers and Underwriters will help you to realise your Self-Build dream. To begin the process we have put together a simple Self-Build guide on how the process works

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. There are no restrictions on overpayments which may be made by standing order

Representative Example
A mortgage of £103,000 payable over 25 years initially on a rate of 3.25% which represents a Discount of 2.19%, for 2 years and then on our Standard Variable Rate (SVR) of 5.44% (variable) for the remaining 23 years would require 24 monthly payments of £501.94 and 276 monthly payments of £619.75. The total amount payable would be £185,066.67 made up of the loan amount plus interest (£80,098.67), 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 £125.00
The overall cost for comparison is 5.2% APRC representative^

Find out More or Apply

Call us on 01782 255159

Lines are Open

9.00am to 5.00pm Monday, Tuesday, Wednesday & Friday
9.00am to 7.00pm on Thursday
9.00am to 4.00pm on Saturday

How Much Can Your Client Borrow?
Monthly Payment Calculator
View our General Mortgage Criteria
2 Year Variable Discount: Direct to Intermediaries MDS211 3.84% 60% No £999 5.3% APRC Yes

Things you need to know

Fees
Non-refundable Application Fee: £299
Product Fee: £700 (Can be added to the loan subject to maximum loan to value limits or paid by debit card prior to completion)
Additional fees may apply as the mortgage will be released in stages as the project progresses. Additional costs could include a valuers re-inspection and a chaps fee payment. Full details of our current fees can be found here:

Valuation Fee Scale

Mortgage Charges

 

 

 

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

Incentives
None

Loan Size
Minimum Loan £30,000
Maximum Loan £1,250,000 at 50% LTV, £500,000 at 60% LTV (Loans over £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)

Buildout Indemnity Cover Insurance
Buildout Indemnity Cover insurance is applicable and is paid for by The Society

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

Self-Build Guide
Our qualified Mortgage Advisers and Underwriters will help you to realise your Self-Build dream. To begin the process we have put together a simple Self-Build guide on how the process works

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 initially on a rate of 3.84% which represents a Discount of 1.60%, for 2 years and then on our Standard Variable Rate (SVR) of 5.44% (variable) for the remaining 23 years would require 24 monthly payments of £1,069.23 and 276 monthly payments of £1,244.80. The total amount payable would be £370,724.05 made up of the loan amount plus interest (£163,225.05), 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 £125.00

The overall cost for comparison is 5.3% APRC representative^

Find out More or Apply

Call us on 01782 255159

Lines are Open

9.00am to 5.00pm Monday, Tuesday, Wednesday & Friday
9.00am to 7.00pm on Thursday
9.00am to 4.00pm on Saturday

How Much Can Your Client Borrow?
Monthly Payment Calculator
View our General Mortgage Criteria
2 Year Variable Discount: Direct to Intermediaries MDS177 4.24% 80% No £899 5.3% APRC Yes

Things you need to know

Fees
Non-refundable Application Fee: £250
Product Fee: £649 (Can be added to the loan subject to maximum loan to value limits or paid by debit card prior to completion)
Additional fees may apply as the mortgage will be released in stages as the project progresses. Additional costs could include a valuers re-inspection and a chaps fee payment. Full details of our current fees can be found here:

Valuation Fee Scale

Mortgage Charges

 

 

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

Incentives
None

Loan Size
Minimum Loan £30,000
Maximum Loan £1,250,000 (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)

Buildout Indemnity Cover Insurance
Buildout Indemnity Cover insurance is applicable and is paid for by The Society

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

Self-Build Guide
Our qualified Mortgage Advisers and Underwriters will help you to realise your Self-Build dream. To begin the process we have put together a simple Self-Build guide on how the process works

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 £3,000 based on £150,000

Representative Example
A mortgage of £150,000 payable over 25 years initially on a discounted variable rate of 4.24% for 2 years and then on our Standard Variable Rate (SVR) of 5.44% (variable) for the remaining 23 years would require 24 monthly payments of £811.77 and 276 monthly payments of £908.89. The total amount payable would be £271,395.31 made up of the loan amount plus interest (£120,336.31), an application fee of £250, a product fee of £649, a funds transfer fee of £35 and a mortgage exit fee of £125.00

The overall cost for comparison is 5.3% APRC representative^

Find out More or Apply
Call us on 01782 255159

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
BuildLoan / Buildstore
Exclusive - Arrears
MDS207 4.74% 80% No £1,000 4.8% APRC Yes

Things you need to know

Fees
Non-refundable Application Fee: £250
Product Fee £750 (Can be added to the loan subject to maximum loan to value limits or paid by debit card prior to completion)
Additional fees may apply as the mortgage will be released in stages as the project progresses. Additional costs could include a valuers re-inspection and a chaps fee payment. Full details of our current fees can be found here:

Valuation Fee Scale

Mortgage Charges

 

 

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 £500,00 will be considered on an individual basis)

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

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

Procuration Fee
The Society will pay a procuration fee of 0.80% on completion to the Buildstore / Buildloan

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 £4,320 based on £216,000

Representative Example
A mortgage of £216,000 payable over 25 years on a discounted variable rate of 4.74% for 25 years would require 300 monthly payments of £1,230.21. The total amount payable would be £370,223.44 made up of the loan amount plus interest (£153,063.44), an application fee of £250, a product fee of £750, a funds transfer fee of £35 and a mortgage exit fee of £125.00

The overall cost for comparison is 4.8% APRC representative^

Find out More or Apply
Call us on 01782 255159

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
BuildLoan / Buildstore
Exclusive - Accelerator
MVAR22 5.04% 60% No None 5.0% APRC Yes

Things you need to know

Fees
There is no application fee or product fee
Additional fees may apply as the mortgage will be released in stages as the project progresses. Additional costs could include a valuers re-inspection and a chaps fee payment. Full details of our current fees can be found here:

Valuation Fee Scale

Mortgage Charges

 

 

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

Incentives
None

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

Maximum Loan to Value (LTV)
House Purchase 60%
Remortgage up to 60%

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

Procuration Fee
The Society will pay a procuration fee of 0.80% on completion to the Buildstore / Buildloan

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 £2,580 based on £129,000

Representative Example
A mortgage of £129,000 payable over 25 years on a discounted variable rate of 5.04% for 25 years would require 300 monthly payments of £757.13. The total amount payable would be £227,299.17 made up of the loan amount plus interest (£98,139.17), a Funds transfer fee of £35 and a Mortgage Exit Fee of £125.00

The overall cost for comparison is 5.0% APRC representative^

Find out More or Apply

Call us on 01782 255159

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
BuildLoan / Buildstore Custom Build Exclusive MDS114 5.24% 80% No £1,000 5.3% APRC Yes

Things you need to know

Fees
Non-refundable Application Fee: £250
Product Fee £250 (Can be added to the loan subject to maximum loan to value limits or paid by debit card prior to completion)
Additional fees may apply as the mortgage will be released in stages as the project progresses. Additional costs could include a valuers re-inspection and a chaps fee payment. Full details of our current fees can be found here:

Valuation Fee Scale

Mortgage Charges

 

 

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

Incentives
None

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

Maximum Loan to Value (LTV) on an arrears basis
House Purchase 80%
Remortgage 80%

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

Procuration Fee
The Society will pay a proc fee of 0.50% of the loan value to Buildstore on the completion of this mortgage.

Early Repayment Charges
If this this mortgage is repaid in full or in part during the first 2 years an early repayment charge will apply. This will be 3% of the balance repaid during the first 2 years of the mortgage. Example – the maximum early repayment charge you could pay is £6,480 based on 3% of £216,000

Representative Example
mortgage of £216,000 payable over 25 years on a variable rate of 5.24% would require 300 monthly payments of £1,293.10.The total amount payable would be £389,090.31 made up of the loan amount plus interest (£171,930.31), an application fee of £250, a product fee of £750, a funds transfer fee of £35 and a mortgage exit fee of £125.00

The overall cost for comparison is 5.3% APRC representative^

Find out More or Apply
Call us on 01782 255159

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
BuildLoan / Buildstore
Exclusive - Accelerator
MVAR16 5.49% 80% No £750 5.5% APRC Yes

Things you need to know

Fees
Non-refundable Application Fee: £250
Product Fee £750 (Can be added to the loan subject to maximum loan to value limits or paid by debit card prior to completion)
Additional fees may apply as the mortgage will be released in stages as the project progresses. Additional costs could include a valuers re-inspection and a chaps fee payment. Full details of our current fees can be found here:

Valuation Fee Scale

Mortgage Charges

 

 

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 80%
Remortgage up to 80%

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

Procuration Fee
The Society will pay a procuration fee of 0.80% on completion to the Buildstore / Buildloan

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 £4,320 based on £216,000

Representative Example
A mortgage of £216,000 payable over 25 years on a Variable Rate of 5.49% for 25 years would require 300 monthly payments of £1,325.14. The total amount payable would be £398,451.81 made up of the loan amount plus interest (£181,541.81), an application fee of
£250, a product fee of £500, a funds transfer fee of £35 and a mortgage exit fee of £125.00

The overall cost for comparison is 5.5% APRC representative^

Find out More or Apply
Call us on 01782 255159

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) MDS203 2.99% 50% No £250 3.0% 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%

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 2.99% for 25 years would require 300 monthly payments of £140.22. The total amount payable would be £98,835.56 made up of the loan amount plus interest (£42,056.56), an Application fee of £250, a Valuation fee of £210 and a Funds Transfer fee of £35.

The overall cost for comparison is 3.0% 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 255159

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 (with LPA/CPA) MDS205 3.24% 65% No £250 3.3% 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 3.24% for 25 years would require 300 monthly payments of £151.94. The total amount payable would be £102,352.75 made up of the loan amount plus interest (£45,582.75), an Application fee of £250, a Valuation fee of £210 and a Funds Transfer fee of £35.

The overall cost for comparison is 3.3% 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 255159

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 3.49% 50% No £250 3.5% 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).

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 3.49% for 25 years would require 300 monthly payments of £163.67. The total amount payable would be £105,869.94 made up of the loan amount plus interest (£49,099.94), an Application fee of £250, a Valuation fee of £210 and a Funds Transfer fee of £35.

The overall cost for comparison is 3.5% 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 255159

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 3.74% 65% No £250 3.8% 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 3.74% for 25 years would require 300 monthly payments of £175.39. The total amount payable would be £109,387.13 made up of the loan amount plus interest (£52,617.12), an Application fee of £250, a Valuation fee of £210 and a Funds Transfer fee of £35.

The overall cost for comparison is 3.8% 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 255159

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
Interest Only MDS135 3.29% 75% No £500 5.2% APRC Yes

Things you need to know

Fees
Non-refundable Application Fee: £250
Product Fee £250 (Can be added to the 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 75%
Remortgage up to 75%

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 0.30% on completion to the intermediary

Repayment Vehicle
Where the repayment vehicle is the property please see our lending criteria for the amount of minimum equity required

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 £3,660 based on £183,000

Representative Example
A mortgage of £183,000 payable over 25 years initially on a discounted variable rate of 3.29% for 2 years and then on our Standard Variable Rate (SVR) of 5.44% (variable) for the remaining 23 years would require 24 monthly payments of £895.66 and 276 monthly payments of £1,101.44. The total amount payable would be £326,154.36 made up of the loan amount plus interest (£326,124.36), an application fee of £250, a product fee of £250, a funds transfer fee of £35 and a mortgage exit fee of £125.00

The overall cost for comparison is 5.2% APRC representative^

Find out More or Apply
Call us on 01782 255159

Lines are Open

9.00am to 5.00pm Monday to Friday

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

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
2 Year Variable Discount MDS150 3.44% 50% No £500 5.2% APRC Yes

Things you need to know

Fees
Non-refundable Application Fee: £250
Product Fee: £250 (Can be added to the 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% (following the end of the fixed rate period)

Incentives
None

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

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

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each Society year until 28 February 2021 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 before 28 February 2021 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 £1,580 based on £79,000.

Representative example
A mortgage of £79,000 payable over 25 years initially on a Fix of 3.44% which represents a discount of 2.00%, for 2 years and then on our Standard Variable Rate (SVR) of 5.44% (variable) for the remaining 23 years would require 24 monthly payments of £392.96 and 276 monthly payments of £476.01. The total amount payable would be £141,469.98 made up of the loan amount plus interest (£61,809.98),an Application fee of £250, a Funds transfer fee of £35 and a Mortgage Exit Fee of £125.00

The overall cost for comparison is 5.2% APRC representative

Find out More or Apply
Call us on 01782 255159

How Much Can Your Client Borrow?
Monthly Payment Calculator
View our General Mortgage Criteria
2 Year Variable Discount MDS151 4.24% 60% No £750 5.3% APRC Yes

Things you need to know

Fees
Non-refundable Application Fee: £250
Product Fee: £500 (Can be added to the 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% (following the end of the fixed rate period)

Incentives
None

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

Maximum Loan to Value (LTV)
House Purchase 60%
Remortgage 60%

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 £2,580 based on £129,000.

Representative example
A mortgage of £129,000 payable over 25 years initially on a rate of 4.24% which represents a discount of 1.20%, for 2 years and then on our Standard Variable Rate (SVR) of 5.44% (variable) for the remaining 23 years would require 24 monthly payments of £698.12 and 276 monthly payments of £781.65. The total amount payable would be £233,399.22 made up of the loan amount plus interest (£103,489.22),an Application fee of £250, a Funds transfer fee of £35 and a Mortgage Exit Fee of £125.00

The overall cost for comparison is 5.3% APRC representative

Find out More or Apply
Call us on 01782 255159

How Much Can Your Client Borrow?
Monthly Payment Calculator
View our General Mortgage Criteria
2 Year Variable Discount MDS133 5.25% 70% No £1,250 5.5% APRC Yes

Things you need to know

Fees
Non-refundable Application Fee: £250
Product Fee: £1000 (Can be added to the 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% (following the end of the fixed rate period)

Incentives
None

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 £2,580 based on £129,000.

Representative example
A mortgage of £183,000 payable over 25 years initially on a discounted variable rate of 5.25% for 2 years and then on our Standard Variable Rate (SVR) of 5.44% (variable) for the remaining 23 years would require 24 monthly payments of £1,096.62 and 276 monthly payments of £1,115.97. The total amount payable would be £335,738.01 made up of the loan amount plus interest (£151,328.01),an Application fee of £250, a product fee of £1,000, Funds transfer fee of £35 and a Mortgage Exit Fee of £125.00

The overall cost for comparison is 5.5% APRC representative

Find out More or Apply
Call us on 01782 255159

How Much Can Your Client Borrow?
Monthly Payment Calculator
View our General Mortgage Criteria
Variable Discount for Term (Shared Ownership) MDS104 4.24% 70% Yes None 4.3% APRC Yes

Things you need to know

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

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

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 4.24% would require 300 monthly payments of £299.00. The total amount payable would be £89,825.31 made up of the loan amount plus interest (£34,450.31), a funds transfer fee of £35 and a Mortgage Exit Fee of £125.00

The overall cost for comparison is 4.3% APRC representative

Find out More or Apply
Call us on 01782 255000

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