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 |
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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 |
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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 |
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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 |
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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 |
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Variable Discount for Term (with LPA/CPA) | MDS209 | 3.24% | 50% | None | £250 | 3.3% APRC | No | ![]() |
Things you need to knowRepayment Basis Fees Minimum Interest Rate Incentives Loan Size Maximum Loan to Value (LTV) Lasting Power of Attorney (LPA) Property Location Availability Early Repayment Charges Representative Example The overall cost for comparison is 3.3% APRC representativative RIO Guide Find out More or Apply Lines are open 9.00am to 1.00pm Monday to Friday How Much Can I Borrow?View our General Mortgage Criteria Use our Live Chat Facility ![]() |
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Variable Discount for Term (no LPA/CPA) | MDS204 | 3.74% | 50% | None | £250 | 3.8% APRC | No | ![]() |
Things you need to knowRepayment Basis Fees Minimum Interest Rate Incentives Loan Size Maximum Loan to Value (LTV) Property Location Availability Early Repayment Charges Representative Example The overall cost for comparison is 3.8% APRC representative RIO Guide Find out More or Apply Lines are open 9.00am to 1.00pm Monday to Friday How Much Can I Borrow?View our General Mortgage Criteria Use our Live Chat Facility ![]() |
Self Build Mortgages
Mortgage Product | Product Code | Initial Pay Rate | Loan to Value | Incentives | Fees | Overall Cost For Comparison | Early Repayment Charges | More Info |
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Variable Discount for 2 Years (Arrears) (For Part-Built) | MDS239 | 4.15% | 60% | None | £1,498 | 5.5% APRC | No | ![]() |
Things you need to knowRepayment Basis Fees Minimum Interest Rate Incentives Loan Size Maximum Loan to Value (LTV) Overpayments Property Location Availability Early Repayment Charges Product Specific Criteria Covered by an acceptable warranty provider (retrospective warranty is not acceptable – see self-build lending guide for details). Certified by the warranty provider and sign off certificates for each stage should be submitted with the application. Funds will be released in stages Representative Example Self-Build Guide Find out More or Apply Lines are Open 9.00am to 1.00pm Monday to Friday How Much Can I Borrow?Monthly Payment Calculator View our General Mortgage Criteria Use our Live Chat Facility ![]() |
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2 Year Variable Discount (Arrears) | MDS237 | 4.74% | 60% | None | £999 | 5.6% APRC | Yes | ![]() |
Things you need to knowRepayment Basis Fees Minimum Interest Rate Incentives Loan Size Maximum Loan to Value (LTV) Overpayments Property Location Availability Early Repayment Charges 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 4.74% which represents a Discount of 0.95%, for 2 years (interest only) and then on our Standard Variable Rate (SVR) of 5.69% (variable) for the remaining 23 years (Capital and Interest) would require 24 monthly payments of £1,173.26 and 276 monthly payments of £1,280.84. The total amount payable would be £383,062.09 made up of the loan amount plus interest (£175,563.09), an Application fee of £299, an Arrangement fee of £700, a Funds transfer fee of £35 a Valuation Fee of £340 and a Mortgage Exit Fee of £125. Self-Build Guide Find out More or Apply Lines are open 9.00am to 1.00pm Monday to Friday How Much Can I Borrow?Monthly Payment Calculator View our General Mortgage Criteria Use our Live Chat Facility ![]() |
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2 Year Variable Discount (Arrears) | MDS238 | 5.14% | 80% | None | £948 | 5.7% APRC | Yes | ![]() |
Things you need to knowRepayment Basis Fees Minimum Interest Rate Incentives Loan Size Maximum Loan to Value (LTV) Overpayments Availability Early Repayment Charges Example – The maximum early repayment charge you could pay is £4,000 based on £200,000. Representative Example Self-Build Guide Find out More or Apply Lines are open 9.00am to 5.00pm Monday to Friday How Much Can I Borrow?Monthly Payment Calculator View our General Mortgage Criteria Use our Live Chat Facility ![]() |
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 |
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