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)

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 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
2 Year Fixed Rate MFD266 1.95% 80% No £250 5.0% 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% (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 August 2020 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
Available for properties located in England, Wales and Scotland (Scottish Islands on referral)

Early Redemption Charge
If this mortgage is repaid in full before 31 August 2020 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 £2,840 based on £142,000

Representative example
A  mortgage of £142,000 payable over 25 years initially on a Fix of 1.95% 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 £598.42 and 276 monthly payments of £845.65. The total amount payable would be £248,142.10 made up of the loan amount plus interest (£105,762.10),an Application fee of £250, a Funds transfer fee of £35 and a Mortgage Exit Fee of £95

The overall cost for comparison is 5.0% APRC representative

Find out More or Apply

Call us on 01782 255000

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 I Borrow?
View our General Mortgage Criteria
3 Year Fixed Rate MFD273 2.24% 90% Yes £299 4.8% 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
One free standard valuation – Terms & Conditions Apply

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

Maximum Loan to Value (LTV)
House Purchase 90%
Remortgage 90%

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each Society year until 30 November 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
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)

Early Redemption Charge
If this mortgage is repaid in full before 30 November 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 £2,920 based on £146,000

Representative example
A mortgage of £146,000 payable over 25 years initially on a fix of 2.24% 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 £636.03 and 264 monthly payments of £861.62 The total amount payable would be £250,792.42 made up of the loan amount plus interest (£104,363.42), an Application Fee of £299, a Funds transfer fee of £35 and a Mortgage Exit Fee of £95
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, Tuesday, Wednesday & Friday
9.00am to 7.00pm on Thursday
9.00am to 4.00pm on Saturday

How Much Can I Borrow?
View our General Mortgage Criteria
5 Year Fixed Rate MFD293 3.39% 95% Yes None 4.8% APRC Yes

Things you need to know

Repayment Basis
Capital & Interest

Fees
None

Minimum Interest Rate
The interest rate on this product will not drop below 3.39% (following the fixed rate period)

Incentives

The following incentives 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%

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each Society year until 31 January 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

Higher Lending Charges
Not Applicable

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

Early Redemption Charge
If this mortgage is repaid in full before 31 January 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 £3,420 based on £171,000

Representative example
A mortgage of £171,000 payable over 25 years initially on a Fix of 3.39% 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 £846.01 and 276 monthly payments of £1,008.31. The total amount payable would be £292,885.70 made up of the loan amount plus interest (£121,755.70), a Funds transfer fee of £35 and a Mortgage Exit Fee of £95
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, Tuesday, Wednesday & Friday
9.00am to 7.00pm on Thursday
9.00am to 4.00pm on Saturday

How Much Can I Borrow?
View our General Mortgage Criteria
2 Year Fixed Rate MFD296 2.85% 95% Yes £250 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

  • Remortgage – legal fees

England & Wales

If an applicant uses the Society’s remortgage scheme the legal fees,  up to a maximum of £250, will be covered by the Society.  If additional legal work is involved e.g. postponement of a second charge, transfer of equity or for leasehold properties the applicant will be responsible for any additional legal fees incurred.  No contribution towards legal fees will be available if applicants use their own Solicitor

Scotland

The remortgage scheme is not available for properties in Scotland.  The Society will provide £250 cashback on completion of the mortgage

  • 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%

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each Society year until 31 March 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
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 Redemption Charge
If this mortgage is repaid in full before 31 March 2021 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 Fix of 2.85% 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 £797.62 and 276 monthly payments of £1,025.79. The total payable would be £302,642.37 made up of the loan amount plus interest (£131, 262.37), an Application Fee of £250, a Funds Transfer Fee of £25 and a Mortgage Exit Fee of £95.

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 I Borrow?
View our General Mortgage Criteria
2 Year Fixed Rate
Shared Ownership		 MF297F 2.99% 95% No None 5.1% 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% of your share
Remortgage 95% of your share

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

Early Repayment Charges
If this mortgage is repaid in full during before 31 March 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 £1,740 based on £87,000.

Representative Example
A mortgage of £87,000 payable over 25 years initially on a discounted variable rate 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 £412.11 and 276 monthly payments of £522.46. The total amount payable would be £154,218.96 made up of the loan amount plus interest (£67,088.96), a funds transfer fee of £35 and a mortgage exit fee of £95.

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

How Much Can I Borrow?
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
Variable Discount for Term MDS197 1.99% 60% Yes £999 2.0% APRC No

Things you need to know

Repayment Basis
Capital & Interest
Interest Only (Where the repayment vehicle is the property there must be a minimum of £250,000 equity)

Interest Rate
The interest rate is a 3.45% discount off the Society’s Standard Variable Rate, currently 5.44%

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)

Minimum Interest Rate
The interest rate on this product will not drop below 1.99%

Incentives

The following incentives are offered with this product;

  • Remortgage – legal fees

England & Wales

If an applicant uses the Society’s remortgage scheme the legal fees,  up to a maximum of £250, will be covered by the Society.  If additional legal work is involved e.g. postponement of a second charge, transfer of equity or for leasehold properties the applicant will be responsible for any additional legal fees incurred.  No contribution towards legal fees will be available if applicants use their own Solicitor

Scotland

The remortgage scheme is not available for properties in Scotland.  The Society will provide £250 cashback on completion of the mortgage

  • Valuation

One free standard valuation – Terms & Conditions Apply

Loan Size
Minimum Loan £30,000
Maximum Loan £1,000,000

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

Overpayments
Overpayments may be made by monthly standing order

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 £178,000 payable over 25 years on a discounted variable rate of 1.99% for 25 years would require 300 monthly payments of £753.59. The total amount payable would be £227,207.33 made up of the loan amount plus interest (£48,078.33), an Application fee of £299, a Product fee of £700, a Funds transfer fee of £35 and a Mortgage Exit Fee of £95
The overall cost for comparison is 2.0% APRC representative

Find out More or Apply

Call us on 01782 255000

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 I Borrow?
View our General Mortgage Criteria
5 Year Variable Discount MDS173 2.10% 50% Yes £499 4.3% APRC No

Things you need to know

Fees
Non-refundable Application Fee: £250
Product Fee: £249 (Can be added to the loan or paid by debit card prior to completion)

Repayment Basis
Capital & Interest
Interest Only (The property can be used as the repayment vehicle, subject that sufficient equity will be available post sale to meet the borrower’s future housing expectations)

Minimum Interest Rate
The interest rate on this product will not drop below 1.85%

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

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

Incentives

The following incentives are offered with this product;

  • Remortgage – legal fees

England & Wales

If an applicant uses the Society’s remortgage scheme the legal fees,  up to a maximum of £250, will be covered by the Society.  If additional legal work is involved e.g. postponement of a second charge, transfer of equity or for leasehold properties the applicant will be responsible for any additional legal fees incurred.  No contribution towards legal fees will be available if applicants use their own Solicitor

Scotland

The remortgage scheme is not available for properties in Scotland.  The Society will provide £250 cashback on completion of the mortgage

  • Valuation

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)

Early Repayment Charges
There are no Early Repayment Charges

Representative Example
A mortgage of £500,000 payable over 25 years initially on a discounted variable rate of 2.10% 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 £2,143.70 and 240 monthly payments of £2,873.63. The total amount payable would be £818,920.96 made up of the loan amount plus interest (£318,291.96), an Application fee of £250, a Product fee of £249, a Funds transfer fee of £35 and a Mortgage Exit Fee of £95

The overall cost for comparison is 4.3% APRC representative^

Find out More or Apply

Call us on 01782 255000

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 I Borrow?
View our General Mortgage Criteria
Variable Discount for Term MDS169 2.10% 80% Yes £950 2.2% APRC No

Things you need to know

Interest Rate
The interest rate is a 3.34% discount off the Society’s Standard Variable Rate, currently 5.44%

Fees
Non-refundable application fee: £250
Product fee: £700 (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 1.85%

Incentives

The following incentives are offered with this product;

  • Remortgage – legal fees

England & Wales

If an applicant uses the Society’s remortgage scheme the legal fees,  up to a maximum of £250, will be covered by the Society.  If additional legal work is involved e.g. postponement of a second charge, transfer of equity or for leasehold properties the applicant will be responsible for any additional legal fees incurred.  No contribution towards legal fees will be available if applicants use their own Solicitor

Scotland

The remortgage scheme is not available for properties in Scotland.  The Society will provide £250 cashback on completion of the mortgage

  • 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 80%
Remortgage 80%

Overpayments
Overpayments may be made by monthly standing order

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 £142,000 payable over 25 years on a discounted variable rate of 2.10% for 25 years would require 300 monthly payments of £608.81. The total amount payable would be £183,723.08 made up of the loan amount plus interest (£40,643.08), an application fee of £250, a product fee of £700, a funds transfer fee of £35 and a mortgage exit fee of £95

The overall cost for comparison is 2.2% APRC representative

Find out More or Apply
Call us on 01782 255000

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 I Borrow?
View our General Mortgage Criteria
5 Year Variable Discount MDS147 2.19% 90% Yes £250 4.4% APRC Yes

Things you need to know

Fees
Non-refundable Application Fee: £250

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

Incentives

The following incentives are offered with this product;

  • Remortgage – legal fees

England & Wales

If an applicant uses the Society’s remortgage scheme the legal fees,  up to a maximum of £250, will be covered by the Society.  If additional legal work is involved e.g. postponement of a second charge, transfer of equity or for leasehold properties the applicant will be responsible for any additional legal fees incurred.  No contribution towards legal fees will be available if applicants use their own Solicitor

Scotland

The remortgage scheme is not available for properties in Scotland.  The Society will provide £250 cashback on completion of the mortgage

  • Valuation

One free standard valuation – Terms & Conditions Apply

Minimum Interest Rate
The interest rate on this product will not drop below 1.69%

Maximum Loan to Value (LTV)
House Purchase 90%
Remortgage 90%

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)

Early Repayment Charges
If this mortgage is repaid in full during the first 5 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 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 £632.42 and 240 monthly payments of £840.68 The total amount payable would be £240,089.46 made up of the loan amount plus interest (£93,709.46), an application fee of £250, a funds transfer fee of £35 and a mortgage exit fee of £95

The overall cost for comparison is 4.4% APRC representative^

Find out More or Apply
Call us on 01782 255000

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 I Borrow?
View our General Mortgage Criteria
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

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 £255,763.79 made up of the loan amount plus interest (£109,633.79), a Funds transfer fee of £35 and a Mortgage Exit Fee of £95

The overall cost for comparison is 5.0% APRC representative

Find out More or Apply
Call us on 01782 255000

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 I Borrow?
View our General Mortgage Criteria
2 Year Variable Discount
Shared Ownership		 MDS164 2.50% 90% No 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 2.00%

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

Maximum Loan to Value (LTV)
House Purchase 90% of your share
Remortgage 90% of your share

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 excess amount

Higher Lending Charge
Not applicable

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

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 2% of the balance repaid during this period. Example – The maximum early repayment charge you could pay is £1,110 based on £55,000

Representative Example
A mortgage of £55,000 payable over 25 years initially on a discounted variable rate of 2.50% 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 £246.74 and 276 monthly payments of £329.03. The total amount payable would be £96,862.93 made up of the loan amount plus interest (£41,732.93), a Funds transfer fee of £35 and a Mortgage Exit Fee of £95

The overall cost for comparison is 5.0% APRC representative

Find out More or Apply
Call us on 01782 255000

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 I Borrow?
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)

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 £302,432.93 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 £95
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, Tuesday, Wednesday & Friday
9.00am to 7.00pm on Thursday
9.00am to 4.00pm on Saturday

How Much Can I Borrow?
View our General Mortgage Criteria
5 Year Variable Discount MDS160 3.20% 95% Yes None 4.7% 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 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
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)

Early Repayment Charges
If this mortgage is repaid in full during the first 5 years an early repayment charge will apply. This will be 3% of the balance
repaid during the first 2 years then 2% for 3 years. 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 rate of 3.20% which represents a Discount of 2.24%, 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 £581.61 and 240 monthly payments of £705.05. The total amount payable would be £204,239.52 made up of the loan amount plus interest (£84,109.52), a Funds transfer fee of £35 and a Mortgage Exit Fee of £95

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

How Much Can I Borrow?
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 £214,747.07 made up of the loan amount plus interest (£94,367.07), a funds transfer fee of £35 and a mortgage exit fee of £95

The overall cost for comparison is 5.2% APRC representative^

Find out More or Apply
Call us on 01782 255000

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 I Borrow?
View our General Mortgage Criteria
2 Year Variable Discount
Shared Ownership		 MDS170 3.70% 95% No None 5.2% 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% of your share
Remortgage 95% of your share

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

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 £1,300 based on £65,000

Representative Example
A mortgage of £65,000 payable over 25 years initially on a discounted variable rate of 3.70% 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 £332.42 and 276 monthly payments of £392.39. The total amount payable would be £116,407.15 made up of the loan amount plus interest (£51,277.15), a funds transfer fee of £35 and a mortgage exit fee of £95

The overall cost for comparison is 5.2% APRC representative^

Find out More or Apply
Call us on 01782 255000

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 I Borrow?
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
2 Year Fixed Rate MFD300 1.84% 60% No None 4.9% Yes

Things you need to know

Fees
No fees

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 & Remortgage up to 60%

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each Society year until 30 April 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

Early Repayment Charges
If this mortgage is repaid in full before 30 April 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 £2,292 based on £114,600.

Representative example
A mortgage of £114,600 payable over 25 years initially on a fix 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 £476.86 and 276 monthly payments of £681.84. The total amount payable would be £200,047.60 made up of the loan amount plus interest (£85,032.60), a funds transfer fee of £35, a valuation fee of £285 and a Mortgage Exit Fee of £95.
The overall cost for comparison is 4.9% 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
2 Year Variable Discount MDS166 3.14% 80% No £499 5.1% APRC Yes

Things you need to know

Fees
There is a £250 Application Fee
There is £249 Product Fee (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 80%
Remortgage 80%

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 excess amount

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

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 £2,700 based on £135,000

Representative Example
A mortgage of £135,000 payable over 25 years initially on a discounted variable rate of 3.14% 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 £650.06 and 276 monthly payments of £811.63. The total amount payable would be £240,240.76 made up of the loan amount plus interest (£104,611.76), an application fee of £250, a product fee of £249, a funds transfer fee of £35 and a mortgage exit fee of £95

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

View our General Mortgage Criteria
5 Year Fixed Rate MFD265 3.49% 80% No £1,249 4.9% APRC Yes

Things you need to know

Fees
Non-refundable Application Fee: £250
Product Fee: £999 (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 80%
Remortgage 80%

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each Society year until 31 August 2023 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 August 2023 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 £2,700 based on £135,000

Representative example
A mortgage of £135,000 payable over 25 years initially on a fix of 3.49% 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 £675.12 and 240 monthly payments of £797.52. The total amount payable would be £233,291.08 made up of the loan amount plus interest (£96,912.08), an application fee of £250, a Product fee of £999, a funds transfer fee of £35 and a mortgage exit fee of £95

The overall cost for comparison is 4.9% APRC representative

Find out More or Apply
Call us on 01782 255000

Lines are Open

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

View our General Mortgage Criteria
2 Year Fixed Rate MFD274 3.49% 80% No £799 5.2% APRC Yes

Things you need to know

Fees
There is a £299 Application Fee
There is £500 Product Fee (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 80%
Remortgage 80%

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each Society year until 30 November 2020 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 30 November 2020 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 3.49% 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 £575.10 and 276 monthly payments of £693.18. The total amount payable would be £206,048.98 made up of the loan amount plus interest (£90,119.98), an Application fee of £250, a Product fee of £500, a Funds transfer fee of £35 and a Mortgage Exit Fee of £95
The overall cost for comparison is 5.2% APRC representative

Find out More or Apply
Call us on 01782 255000

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

View our General Mortgage Criteria

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
2 Year Fixed Rate MFD282 2.45% 65% Yes £599 5.0% APRC Yes

Things you need to know

Fees
Non-refundable Application Fee: £299
Product Fee: £300 (Can be added to the loan subject to a 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%

Loan Size
Minimum Loan £30,000
Maximum Loan £1,000,000

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

Incentives

The following incentives are offered with this product;

  • Remortgage – legal fees

England & Wales

If an applicant uses the Society’s remortgage scheme the legal fees,  up to a maximum of £250, will be covered by the Society.  If additional legal work is involved e.g. postponement of a second charge, transfer of equity or for leasehold properties the applicant will be responsible for any additional legal fees incurred.  No contribution towards legal fees will be available if applicants use their own Solicitor

Scotland

The remortgage scheme is not available for properties in Scotland.  The Society will provide £250 cashback on completion of the mortgage

  • Valuation

One free standard valuation – Terms & Conditions Apply

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each Society year until 31 January 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 Charge
Not Applicable

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

Early Repayment Charges
If this mortgage is repaid in full before 31 January 2021 and 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 £3,180 based on £159,000

Representative Example
A mortgage of £159,000 payable over 25 years initially on a fix of 2.45% 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 £709.30 and 276 monthly payments of £950.80. The total amount payable would be £280,173.82 made up of the loan amount plus interest (£120,444.82), an application fee of £299, a product fee of £300, a funds transfer fee of £35 and a mortgage exit fee of £95

The overall cost for comparison is 5.0% 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 I Borrow?
View our General Mortgage Criteria
2 Year Variable Discount 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 75%

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

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 £326,124.36 made up of the loan amount plus interest (£142,494.36), an application fee of £250, a product fee of £250, a funds transfer fee of £35 and a mortgage exit fee of £95

The overall cost for comparison is 5.2% APRC representative^

Find out More or Apply

Call us on 01782 255000

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 I Borrow?
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		 MDS191 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 50%

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

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

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 255000

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 I Borrow?
View our General Mortgage Criteria
Retirement Interest Only
with LPA		 MDS193 3.24% 65% No £250 3.3% APRC No

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 £10,000
Maximum Loan £750,000

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

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

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

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 255000

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 I Borrow?
View our General Mortgage Criteria
Retirement Interest Only
no LPA		 MDS192 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 50%

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

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 255000

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 I Borrow?
View our General Mortgage Criteria
Retirement Interest Only
no LPA		 MDS194 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 65%

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

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 255000

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 I Borrow?
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 Self-Build MDS178 3.44% 60% No £799 5.2% Yes

Things you need to know

Fees
Non-refundable Application Fee: £250
Product Fee: £549 (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 £1,000,000 (Loans over £500,00 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)

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)

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

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 initially on a discounted variable rate 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 £641.66 and 276 monthly payments of £777,28. The total amount payable would be £230,859.23 made up of the loan amount plus interest (£100,930.23), an application fee of £250, a Product fee of £549, a funds transfer fee of £35 and a mortgage exit fee of £95

The overall cost for comparison is 5.2% APRC representative^

Find out More or Apply

Call us on 01782 255000

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 I Borrow?
View our General Mortgage Criteria
2 Year Variable Discount - Direct Self-Build 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)

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% (Land/Construction or Renovation/End Valuation)
Remortgage – 80% (Land/Construction or Renovation/End Valuation)

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)

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

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 £271,365.31 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 £95

The overall cost for comparison is 5.3% APRC representative^

Find out More or Apply

Call us on 01782 255000

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 I Borrow?
View our General Mortgage Criteria
BuildLoan / Buildstore
Exclusive - Arrears		 MDS139 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)

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 80%

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

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 £370,193.44 made up of the loan amount plus interest (£143,768.96), an application fee of £250, a product fee of £750, a funds transfer fee of £35 and a mortgage exit fee of £95

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

How Much Can I Borrow?
View our General Mortgage Criteria
Fixed for 2 Years MFD280 4.95% 80% No £1,299 5.4% APRC Yes

Things you need to know

Fees
Non-refundable Application Fee: £299
Product Fee: £1,000 (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
None

Loan Size
Minimum Loan £30,000
Maximum Loan £1,000,000

Maximum Loan to Value (LTV)
House Purchase – 80% during construction, maximum 80% at final value upon completion
Remortgage – 80% during construction, maximum 80% at final value upon completion

Buildout Indemnity Insurance
Buildout Indemnity Insurance is applicable and is paid for by the Society

Property Location
Only available for properties located in England, Wales and mainland 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

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 on a fixed rate 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 £1,163.36 and 276 monthly payments of £1,217.42. The total amount payable would be £365,356.59 made up of the loan amount plus interest (£163,927.59), an application fee of £299, a product fee of £1,000, a funds transfer fee of £35 and a mortgage exit fee of £95

The overall cost for comparison is 5.4% APRC representative^

Find out More or Apply

Call us on 01782 255000

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 I Borrow?
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

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%
House Purchase 60%

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

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 £227,269.17 made up of the loan amount plus interest (£98,139.17), a Funds transfer fee of £35 and a Mortgage Exit Fee of £95

The overall cost for comparison is 5.0% APRC representative^

Find out More or Apply

Call us on 01782 255000

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 I Borrow?
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)

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) on an arrears basis
House Purchase 80%
Remortgage 80%

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

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 £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 £389,060.31 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 £95

The overall cost for comparison is 5.3% APRC representative^

Find out More or Apply

Call us on 01782 255000

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 I Borrow?
View our General Mortgage Criteria
Scotland Advance Stage Payment MDS200 5.25% 85% No £1,499 5.5% APRC Yes

Things you need to know

Fees
Non-refundable Application Fee: £299
Product Fee: £1,200 (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
None

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

Maximum Loan to Value (LTV)
House Purchase – 85% during construction, maximum 80% at final value upon completion
Remortgage – 85% during construction, maximum 80% at final value upon completion

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

Property Location
Only available for loans on properties located in mainland 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

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 on a 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 £1,198.50 and 276 monthly payments of £1,219.64. The total amount payable would be £367.014.80 made up of the loan amount plus interest (£165,385.80), an application fee of £299, a product fee of £1,200, a funds transfer fee of £35 and a mortgage exit fee of £95

The overall cost for comparison is 5.5% 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 I Borrow?
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 £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%

Incentives
No

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

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

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

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 £398,421.81 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 £95

The overall cost for comparison is 5.5% APRC representative^

Find out More or Apply

Call us on 01782 255000

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 I 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 Fixed Rate MFD285 3.29% 50% No £1,298 5.2% APRC Yes

Things you need to know

Fees
Non-refundable Application Fee: £299
Product Fee: £999 (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
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

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 £3,660 based on £183,000

Representative example
A mortgage of £183,000 payable over 25 years initially on a Fix 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 £326,922.36 made up of the loan amount plus interest (£142,494.36),an Application fee of £299, a Funds transfer fee of £35 and a Mortgage Exit Fee of £95

The overall cost for comparison is 5.2% APRC representative

Find out More or Apply
Call us on 01782 255000

How Much Can I Borrow?
View our General Mortgage Criteria
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 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

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 £141,439.98 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 £95

The overall cost for comparison is 5.2% APRC representative

Find out More or Apply
Call us on 01782 255000

How Much Can I Borrow?
View our General Mortgage Criteria
2 Year Fixed Rate MFD281 3.59% 70% No £1,298 5.2% APRC Yes

Things you need to know

Fees
Non-refundable Application Fee: £299
Product Fee: £999 (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
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 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

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 £3,660 based on £183,000

Representative example
A mortgage of £183,000 payable over 25 years initially on a Fix of 3.59% 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 £925.00 and 276 monthly payments of £1,103.86. The total amount payable would be £328,292.23 made up of the loan amount plus interest (£143,864.23),an Application fee of £299, a Funds transfer fee of £35 and a Mortgage Exit Fee of £95

The overall cost for comparison is 5.2% APRC representative

Find out More or Apply
Call us on 01782 255000

How Much Can I Borrow?
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 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 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 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 £233,369.22 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 £95

The overall cost for comparison is 5.3% APRC representative

Find out More or Apply

Call us on 01782 255000

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 I Borrow?
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 fixed rate period)

Incentives
No

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 £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 £335,708.01 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 £95

The overall cost for comparison is 5.5% APRC representative

Find out More or Apply
Call us on 01782 255000

How Much Can I Borrow?
View our General Mortgage Criteria

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