Mortgages

We have consistently offered mortgages to customers and are regularly nominated for awards for our range of mortgage products. We have won “Moneyfacts Best First-Time Buyer Mortgage Provider” twice in recent times and have been highly commended as “Moneyfacts Best Regional Building Society”

We offer fixed rate mortgages, discount mortgages, remortgages, buy to let, self-build, near prime, retirement interest only and first time buyer mortgages

We can provide mortgages throughout England, Wales and Scotland (Scottish Islands by referral only). Please note all of our mortgage products are only available to UK residents, with the exception of Ex-Pat Buy-to-Let mortgages.

Whatever your personal mortgage requirements are, maybe you’re a first time buyer, self-employed or maybe you are looking for the best deal on your remortgage, our experienced team of mortgage advisers are on hand to work hard on your behalf to ensure we get the best mortgage deal for you

Our mortgages are individually underwritten by our experienced underwriting team. We don’t use automated credit scoring because we believe our approach is more personal and allows us to get a better understanding our customers requirements

Our current list of mortgage products for new business is shown below. Contact us on 01782 255000, Option 2 Direct Mortgages then Option 1 New Mortgage Enquiries for more details about our mortgage products or visit us in branch to see what we can do for you.

 

Fixed Rate Residential Mortgages

Mortgage Product Product Code Initial Pay Rate Loan to Value Incentives Fees Overall Cost For Comparison Early Repayment Charges More Info
Fix for 2 Years MFD386 3.89% 95% None £299 4.7% 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
Free Valuation 

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

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

Property Location
Available for properties located in England, Wales and Scotland (Selected Scottish Islands accepted, please refer to criteria)

Early Repayment Charges
If this mortgage is repaid in full before 29 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 £3,507.86 based on £175,393.00.

Representative Example
A mortgage of £175,393.00 payable over 25 years initially on a Fixed Rate of 3.89% 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 £915.17 and 276 monthly payments of £998.01. The total amount payable would be £297,874.02 made up of the loan amount plus interest (£122,022.02), an application fee of £299.00, a funds transfer fee of £35.00, and a mortgage exit fee of £125.00.

The overall cost for comparison is 4.7% APRC representative^

Find out More or Apply
Call us on 01782 255000

Lines are Open

9.00am to 14:00 pm Monday to Saturday

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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

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

Residential 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 Mortgages

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

Self Build 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