5.55% Fixed Rate Mortgage until 31 January 2026

Capital & Interest

No application fee or arrangement fee

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

Free Valuation
£250 contribution to Remortgage Legals when re-mortgaging using the Society’s nominated Solicitor

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

Purchase 75%
Remortgage 75%

Overpayments of up to 10% of the mortgage balance are permitted each anniversary year until 31 July 2028 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

Available for properties located in England, Wales & mainland Scotland (Islands by referral)

This product is available for new mortgage customers only.

If this mortgage is repaid in full or in part before 31 January 2026 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 £4,111.78 based on £205,589.00.

A mortgage of £205,589.00 payable over 25 years initially on a Fixed Rate of 5.55% until 31 January 2026 and then on our Standard Variable Rate (SVR) of 8.49% (variable) for the remaining 23 years would require 24 monthly payments of £1,268.64 and 276 monthly payments of £1,630.57. The total amount payable would be £480,644.58 made up of the loan amount plus interest (£274,895.58), a funds transfer fee of £35.00 and a mortgage exit fee of £125.00. The overall cost for comparison is 8.1% APRC representative^

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