| Product | Product Fee | Application Fee | Initial Rate | Reverting to standard variable rate currently | Overall cost for comparison | Terms and Conditions |
| 3271 2 Year Discounted Rate up to 80% loan to value WITH £400 Cashback² | £495 | £0 | 5.11% Variable for 2 Years (our standard variable rate Minus 2.88% discounted) | 7.99% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 3272 2 Year Discounted Rate up to 80% loan to value | £995 | £0 | 4.74% Variable for 2 Years (our standard variable rate Minus 3.25% discounted) | 7.99% | 7.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 3273 2 Year Discounted Rate up to 90% loan to value WITH £400 Cashback² | £0 | £0 | 5.55% Variable for 2 Years (our standard variable rate Minus 2.44% discounted) | 7.99% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 3274 Residential Interest Only 2 Year Discounted Rate up to 75% loan to value WITH £400 Cashback² | £995 | £0 | 4.85% Variable for 2 Years (our standard variable rate Minus 3.14% discounted) | 7.99% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your client's circumstances. Please provide your client with a personalised illustration.
² Your client will receive a cashback on completion of their mortgage. Not available for mortgage transfers or additional borrowing.
⁴ If you recommend an interest only mortgage, your client must have a clearly understood and credible repayment strategy in line with the Society’s responsible lending criteria.
All our discounted mortgage products have a floored rate which means your interest rate will never go below this floored rate during the term of the product. To see the floored rate, please click on the View link next to the product.
Representative Example (based on a residential property purchase):
The overall cost for comparison is given as the Annual Percentage Rate of Charge (APRC) and includes all fees incurred relating to the mortgage and product. The APRC allows you to compare the cost of different products.
On a mortgage of £125,000.00 on a capital and interest (repayment) basis payable over 25 years initially on a discounted variable rate of 5.55% (equal to 2.44% discount off our Standard Variable Rate) for 2 years. Then on our Standard Variable Rate (SVR) of 7.99% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £285.10, followed by
24 monthly repayments of £767.92, followed by
276 monthly repayments of £946.12
The total amount payable would be £279,984.30 made up of the loan amount of £125,000.00 plus interest (£154,844.301), a funds transfer fee of £20 and legal fee of £120.
The overall cost for comparison is 7.6% APRC representative.
This information isn’t representative of your personal circumstances and your payments may differ from this. Please ask for and refer to your personalised illustration.
| Product | Product Fee | Application Fee | Initial Rate | Reverting to standard variable rate currently | Overall cost for comparison | Terms and Conditions |
| 3288 2 Year Fixed Rate up to 90% loan to value | £0 | £0 | 5.31% Fixed until 30/04/2027 | 7.99% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 3289 2 Year Fixed Rate up to 90% loan to value WITH £400 Cashback² | £995 | £0 | 5.14% Fixed until 30/04/2027 | 7.99% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 3290 5 Year Fixed Rate up to 90% loan to value WITH £400 Cashback² | £995 | £0 | 4.82% Fixed until 30/04/2030 | 7.99% | 6.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 3291 2 Year Fixed Rate up to 95% loan to value WITH £400 Cashback² | £0 | £0 | 5.64% Fixed until 30/04/2027 | 7.99% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 3292 5 Year Fixed Rate up to 95% loan to value WITH £400 Cashback² | £0 | £0 | 5.32% Fixed until 30/04/2030 | 7.99% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| 3293 5 Year Fixed Rate up to 95% loan to value | £1495 | £0 | 5.08% Fixed until 30/04/2030 | 7.99% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| 3294 Residential Shared Ownership 2 Year Fixed Rate up to 95% loan to value | £0 | £0 | 5.38% Fixed until 30/04/2027 | 7.99% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 3287 Residential Shared Ownership 3 Year Fixed Rate up to 95% loan to value | £0 | £0 | 5.40% Fixed until 29/02/2028 | 7.99% | 7.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 3295 Residential Shared Ownership 5 Year Fixed Rate up to 95% loan to value WITH £400 Cashback² | £0 | £0 | 5.16% Fixed until 30/04/2030 | 7.99% | 6.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 3281 Residential Own New - 5% Incentive Rate Reducer 2 Year Fixed Rate up to 95% loan to value | £0 | £0 | 3.34% Fixed until 28/02/2027 | 7.99% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| 3282 Residential Own New - 5% Incentive Rate Reducer 5 Year Fixed Rate up to 95% loan to value | £0 | £0 | 4.37% Fixed until 28/02/2030 | 7.99% | 6.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 3283 Residential Own New - 3% Incentive Rate Reducer 2 Year Fixed Rate up to 95% loan to value | £0 | £0 | 4.38% Fixed until 28/02/2027 | 7.99% | 7.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 3284 Residential Own New - 3% Incentive Rate Reducer 5 Year Fixed Rate up to 95% loan to value | £0 | £0 | 4.70% Fixed until 28/02/2030 | 7.99% | 6.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 3235 Residential Interest Only 2 Year Fixed Rate up to 75% loan to value | £0 | £0 | 5.05% Fixed until 28/02/2027 | 7.99% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your client's circumstances. Please provide your client with a personalised illustration.
² Your client will receive a cashback on completion of their mortgage. Not available for mortgage transfers or additional borrowing.
Representative Example (based on a residential property purchase):
The overall cost for comparison is given as the Annual Percentage Rate of Charge (APRC) and includes all fees incurred relating to the mortgage and product. The APRC allows you to compare the cost of different products.
On a mortgage of £125,000.00 on a capital and interest (repayment) basis payable over 25 years initially on a fixed rate for 2 years fixed at 5.64% and then on our Standard Variable Rate (SVR) of 7.99% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £19.32, followed by
24 monthly repayments of £774.58, followed by
276 monthly repayments of £946.61
The total amount payable would be £280,013.60 made up of the loan amount of £125,000.00 plus interest (£154,873.60), a funds transfer fee of £20 and legal fee of £120.
The overall cost for comparison is 7.6% APRC representative.
This information isn’t representative of your personal circumstances and your payments may differ from this. Please ask for and refer to your personalised illustration.
| Product | Product Fee | Application Fee | Initial Rate | Reverting to standard variable rate currently | Overall cost for comparison | Terms and Conditions |
| 3268 Buy to Let Holiday Let 2 Year Discounted Rate up to 75% loan to value | £995 | £0 | 5.55% Variable for 2 Years (our standard variable rate Minus 2.54% discounted) | 7.99% | 7.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 3267 Buy to Let Green Holiday Let 2 Year Discounted Rate up to 75% loan to value WITH £400 Cashback² | £995 | £0 | 5.55% Variable for 2 Years (our standard variable rate Minus 2.54% discounted) | 7.99% | 7.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 3275 Buy to Let Standard 2 Year Discounted Rate up to 75% loan to value WITH £200 Cashback² | £995 | £0 | 5.35% Variable for 2 Years (our standard variable rate Minus 2.64% discounted) | 7.99% | 7.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 3276 Buy to Let Regulated Family 2 Year Discounted Rate up to 75% loan to value | £0 | £0 | 5.85% Variable for 2 Years (our standard variable rate Minus 2.14% discounted) | 7.99% | 7.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 3277 Buy to Let Portfolio 2 Year Discounted Rate up to 75% loan to value | £995 | £0 | 5.50% Variable for 2 Years (our standard variable rate Minus 2.49% discounted) | 7.99% | 7.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 3278 Buy to Let First Time Buyer 2 Year Discounted Rate up to 75% loan to value | £0 | £0 | 5.85% Variable for 2 Years (our standard variable rate Minus 2.14% discounted) | 7.99% | 7.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 3280 Buy to Let Ltd Co BTL 2 Year Discounted Rate up to 75% loan to value | £995 | £0 | 5.74% Variable for 2 Years (our standard variable rate Minus 2.25% discounted) | 7.99% | 7.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 3279 Buy to Let Green Ltd Co BTL 2 Year Discounted Rate up to 75% loan to value WITH £400 Cashback² | £995 | £0 | 5.74% Variable for 2 Years (our standard variable rate Minus 2.25% discounted) | 7.99% | 7.8% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your client's circumstances. Please provide your client with a personalised illustration.
² Your client will receive a cashback on completion of their mortgage. Not available for mortgage transfers or additional borrowing.
³ These products are not available for Portfolio Landlords, Regulated Buy to Let or Non-Homeowner borrowers.
All our discounted mortgage products have a floored rate which means your interest rate will never go below this floored rate during the term of the product. To see the floored rate, please click on the View link next to the product.
Representative Example (based on a Non-portfolio Investment Property purchase):
The overall cost for comparison is given as the Annual Percentage Rate of Charge (APRC) and includes all fees incurred relating to the mortgage and product. The APRC allows you to compare the cost of different products.
On a mortgage of £250,000.00 on an interest only basis payable over 25 years initially on a discounted variable rate of 5.35% (equal to 2.64% discount off our Standard Variable Rate) for 2 years. Then on our Standard Variable Rate (SVR) of 7.99% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £549.66, followed by
24 monthly repayments of £1,109.79, followed by
276 monthly repayments of £1,653.93
1 final repayment of £250,000.00
The total amount payable would be £734,804.30 made up of the loan amount of £250,000.00 plus interest (£483,669.30), product fee of £995, a funds transfer fee of £20 and legal fee of £120.
The overall cost for comparison is 7.8% APRC representative.
This information isn’t representative of your personal circumstances and your payments may differ from this. Please ask for and refer to your personalised illustration.
| Product | Product Fee | Application Fee | Initial Rate | Reverting to standard variable rate currently | Overall cost for comparison | Terms and Conditions |
| 3262 Buy to Let Standard 2 Year Fixed Rate up to 75% loan to value WITH £400 Cashback² | £1495 | £0 | 4.90% Fixed until 28/02/2027 | 7.99% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 3263 Buy to Let Standard 5 Year Fixed Rate up to 75% loan to value WITH £400 Cashback² | £1495 | £0 | 4.62% Fixed until 28/02/2030 | 7.99% | 7.0% Annual Percentage Rate of Charge (APRC)1 | View |
| 3264 Buy to Let Standard 5 Year Fixed Rate up to 75% loan to value WITH £400 Cashback² | £995 | £0 | 4.70% Fixed until 28/02/2030 | 7.99% | 7.0% Annual Percentage Rate of Charge (APRC)1 | View |
| 3265 Buy to Let Holiday Let 2 Year Fixed Rate up to 75% loan to value | £1495 | £0 | 5.55% Fixed until 28/02/2027 | 7.99% | 7.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 3266 Buy to Let Green Holiday Let 2 Year Fixed Rate up to 75% loan to value WITH £400 Cashback² | £1495 | £0 | 5.55% Fixed until 28/02/2027 | 7.99% | 7.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 3296 Buy to Let Ltd Co BTL 2 Year Fixed Rate up to 75% loan to value | £1495 | £0 | 5.65% Fixed until 30/04/2027 | 7.99% | 7.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 3297 Buy to Let Green Ltd Co BTL 2 Year Fixed Rate up to 75% loan to value WITH £400 Cashback² | £1495 | £0 | 5.65% Fixed until 30/04/2027 | 7.99% | 7.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 3298 Buy to Let Ltd Co BTL 5 Year Fixed Rate up to 75% loan to value | £1495 | £0 | 5.24% Fixed until 30/04/2030 | 7.99% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| 3299 Buy to Let Green Ltd Co BTL 5 Year Fixed Rate up to 75% loan to value WITH £400 Cashback² | £1495 | £0 | 5.24% Fixed until 30/04/2030 | 7.99% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| 3285 Buy to Let Ltd Co BTL 3 Year Fixed Rate up to 75% loan to value | £1995 | £0 | 5.55% Fixed until 29/02/2028 | 7.99% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 3286 Buy to Let Green Ltd Co BTL 3 Year Fixed Rate up to 75% loan to value WITH £400 Cashback² | £1995 | £0 | 5.55% Fixed until 29/02/2028 | 7.99% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your client's circumstances. Please provide your client with a personalised illustration.
² Your client will receive a cashback on completion of their mortgage. Not available for mortgage transfers or additional borrowing.
³ These products are not available for Portfolio Landlords, Regulated Buy to Let or Non-Homeowner borrowers.
Representative Example (based on a Non-portfolio Investment Property purchase):
The overall cost for comparison is given as the Annual Percentage Rate of Charge (APRC) and includes all fees incurred relating to the mortgage and product. The APRC allows you to compare the cost of different products.
On a mortgage of £250,000.00 on an interest only basis payable over 25 years initially on a fixed rate for 2 years fixed at 4.90% and then on our Standard Variable Rate (SVR) of 7.99% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £33.56, followed by
24 monthly repayments of £1,016.81, followed by
276 monthly repayments of £1,653.94
1 final repayment of £250,000.00
The total amount payable would be £732,559.44 made up of the loan amount of £250,000.00 plus interest (£480,924.44), product fee of £1,495, a funds transfer fee of £20 and legal fee of £120.
The overall cost for comparison is 7.7% APRC representative.
| Product | Product Fee | Application Fee | Initial Rate | Reverting to standard variable rate currently | Overall cost for comparison | Terms and Conditions |
| 2941 Residential Interest Only 2 Year Discounted Rate up to 75% loan to value | £0 | £0 | 5.24% Variable for 2 Years (our standard variable rate Minus 2.75% discounted) | 7.99% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4461 2 Year Discounted Rate up to 75% loan to value | £0 | £0 | 4.74% Variable for 2 Years (our standard variable rate Minus 3.25% discounted) | 7.99% | 7.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4462 2 Year Discounted Rate up to 85% loan to value | £495 | £0 | 5.11% Variable for 2 Years (our standard variable rate Minus 2.88% discounted) | 7.99% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 4463 2 Year Discounted Rate up to 85% loan to value | £995 | £0 | 4.74% Variable for 2 Years (our standard variable rate Minus 3.25% discounted) | 7.99% | 7.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4464 2 Year Discounted Rate up to 95% loan to value | £0 | £0 | 5.24% Variable for 2 Years (our standard variable rate Minus 2.75% discounted) | 7.99% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 4465 Residential Interest Only 2 Year Discounted Rate up to 75% loan to value | £995 | £0 | 4.85% Variable for 2 Years (our standard variable rate Minus 3.14% discounted) | 7.99% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4466 Residential Help to Buy 2 Year Discounted Rate up to 75% loan to value | £0 | £0 | 4.84% Variable for 2 Years (our standard variable rate Minus 3.15% discounted) | 7.99% | 7.5% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your client's circumstances. Please provide your client with a personalised illustration.
² Your client will receive a cashback on completion of their mortgage. Not available for mortgage transfers or additional borrowing.
⁴ If you recommend an interest only mortgage, your client must have a clearly understood and credible repayment strategy in line with the Society’s responsible lending criteria.
All our discounted mortgage products have a floored rate which means your interest rate will never go below this floored rate during the term of the product. To see the floored rate, please click on the View link next to the product.
Representative Example (based on a residential property purchase):
The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your main residential property: A mortgage of £250,000.00 on a capital and interest (repayment) basis payable over 25 years initially on a discounted variable rate of 5.11% (equal to 2.88% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 7.99% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £525.00, followed by
24 monthly repayments of £1,471.48, followed by
276 monthly repayments of £1,887.31
The total amount payable would be £557,373.08 made up of the loan amount of £250,000.00 plus interest (£306,738.08), product switch fee of £495, a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 7.6% APRC representative.
Please note: the example above is for a residential property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details.
| Product | Product Fee | Application Fee | Initial Rate | Reverting to standard variable rate currently | Overall cost for comparison | Terms and Conditions |
| 4415 2 Year Fixed Rate up to 60% loan to value | £0 | £0 | 4.60% Fixed for 2 Years | 7.99% | 7.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 4416 2 Year Fixed Rate up to 60% loan to value | £995 | £0 | 4.33% Fixed for 2 Years | 7.99% | 7.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 4417 5 year Fixed Rate up to 60% loan to value | £0 | £0 | 4.28% Fixed for 5 Years | 7.99% | 6.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4418 5 year Fixed Rate up to 60% loan to value | £995 | £0 | 4.18% Fixed for 5 Years | 7.99% | 6.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4419 5 year Fixed Rate up to 60% loan to value | £1495 | £0 | 4.13% Fixed for 5 Years | 7.99% | 6.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4494 2 Year Fixed Rate up to 75% loan to value | £0 | £0 | 4.75% Fixed for 2 Years | 7.99% | 7.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4421 2 Year Fixed Rate up to 75% loan to value | £995 | £0 | 4.55% Fixed for 2 Years | 7.99% | 7.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 4422 5 Year Fixed Rate up to 75% loan to value | £0 | £0 | 4.45% Fixed for 5 Years | 7.99% | 6.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4423 5 Year Fixed Rate up to 75% loan to value | £995 | £0 | 4.37% Fixed for 5 Years | 7.99% | 6.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4385 2 Year Fixed Rate up to 85% loan to value | £0 | £0 | 5.15% Fixed for 2 Years | 7.99% | 7.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4424 2 Year Fixed Rate up to 85% loan to value | £995 | £0 | 4.89% Fixed for 2 Years | 7.99% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4396 2 Year Fixed Rate up to 85% loan to value | £1495 | £0 | 4.65% Fixed for 2 Years | 7.99% | 7.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4425 5 year Fixed Rate up to 85% loan to value | £0 | £0 | 4.75% Fixed for 5 Years | 7.99% | 6.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4426 5 Year Fixed Rate up to 85% loan to value | £995 | £0 | 4.74% Fixed for 5 Years | 7.99% | 6.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4427 5 Year Fixed Rate up to 85% loan to value | £1495 | £0 | 4.40% Fixed for 5 Years | 7.99% | 6.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 4428 2 Year Fixed Rate up to 95% loan to value | £0 | £0 | 5.49% Fixed for 2 Years | 7.99% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 4429 2 Year Fixed Rate up to 95% loan to value | £995 | £0 | 5.15% Fixed for 2 Years | 7.99% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 4430 5 year Fixed Rate up to 95% loan to value | £0 | £0 | 5.15% Fixed for 5 Years | 7.99% | 6.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 4431 5 Year Fixed Rate up to 95% loan to value | £995 | £0 | 4.80% Fixed for 5 Years | 7.99% | 6.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4432 Residential Interest Only 2 Year Fixed Rate up to 75% loan to value | £0 | £0 | 4.95% Fixed for 2 Years | 7.99% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4433 Residential Interest Only 2 Year Fixed Rate up to 75% loan to value | £995 | £0 | 4.65% Fixed for 2 Years | 7.99% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 4434 Residential Interest Only 5 year Fixed Rate up to 75% loan to value | £0 | £0 | 4.55% Fixed for 5 Years | 7.99% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| 4435 Residential Interest Only 5 year Fixed Rate up to 75% loan to value | £995 | £0 | 4.45% Fixed for 5 Years | 7.99% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| 4495 Residential Help to Buy 2 Year Fixed Rate up to 75% loan to value | £0 | £0 | 4.85% Fixed for 2 Years | 7.99% | 7.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 4437 Residential Help to Buy 5 Year Fixed Rate up to 75% loan to value | £0 | £0 | 4.65% Fixed for 5 Years | 7.99% | 6.6% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your client's circumstances. Please provide your client with a personalised illustration.
² Your client will receive a cashback on completion of their mortgage. Not available for mortgage transfers or additional borrowing.
⁴ If you recommend an interest only mortgage, your client must have a clearly understood and credible repayment strategy in line with the Society’s responsible lending criteria.
Representative Example (based on a residential property purchase):
The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your main residential property: A mortgage of £125,000.00 on a capital and interest (repayment) basis payable over 25 years initially on a fixed rate for 2 years fixed at 5.15% and then on our Standard Variable Rate (SVR) of 8.24% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £17.59, followed by
24 monthly repayments of £738.63, followed by
276 monthly repayments of £943.85
The total amount payable would be £278,387.31 made up of the loan amount of £125,000.00 plus interest (£153,247.31), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 7.5% APRC representative.
Please note: the example above is for a residential property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details.
| Product | Product Fee | Application Fee | Initial Rate | Reverting to standard variable rate currently | Overall cost for comparison | Terms and Conditions |
| 4467 Buy to Let Standard 2 Year Discounted Rate up to 75% loan to value | £0 | £0 | 5.15% Variable for 2 Years (our standard variable rate Minus 2.84% discounted) | 7.99% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4468 Buy to Let Standard 2 Year Discounted Rate up to 75% loan to value | £995 | £0 | 5.00% Variable for 2 Years (our standard variable rate Minus 2.99% discounted) | 7.99% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4469 Buy to Let Regulated Family 2 Year Discounted Rate up to 75% loan to value | £0 | £0 | 5.25% Variable for 2 Years (our standard variable rate Minus 2.74% discounted) | 7.99% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4470 Buy to Let Regulated Family 2 Year Discounted Rate up to 75% loan to value | £995 | £0 | 5.10% Variable for 2 Years (our standard variable rate Minus 2.89% discounted) | 7.99% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4471 Buy to Let Portfolio 2 Year Discounted Rate up to 75% loan to value | £0 | £0 | 5.25% Variable for 2 Years (our standard variable rate Minus 2.74% discounted) | 7.99% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4472 Buy to Let Portfolio 2 Year Discounted Rate up to 75% loan to value | £995 | £0 | 5.10% Variable for 2 Years (our standard variable rate Minus 2.89% discounted) | 7.99% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4339 Buy to Let Holiday Let 2 Year Discounted Rate up to 75% loan to value | £0 | £0 | 5.50% Variable for 2 Years (our standard variable rate Minus 2.49% discounted) | 7.99% | 7.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 4340 Buy to Let Holiday Let 2 Year Discounted Rate up to 75% loan to value | £995 | £0 | 5.40% Variable for 2 Years (our standard variable rate Minus 2.59% discounted) | 7.99% | 7.8% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your client's circumstances. Please provide your client with a personalised illustration.
² Your client will receive a cashback on completion of their mortgage. Not available for mortgage transfers or additional borrowing.
³ These products are not available for Portfolio Landlords, Regulated Buy to Let or Non-Homeowner borrowers.
All our discounted mortgage products have a floored rate which means your interest rate will never go below this floored rate during the term of the product. To see the floored rate, please click on the View link next to the product.
Representative Example (based on a Non-portfolio Investment Property purchase):
The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your investment property: A mortgage of £250,000.00 on an interest only basis payable over 25 years initially on a discounted variable rate of 5.00% (equal to 2.99% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 7.99% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £513.70, followed by
24 monthly repayments of £1,037.49, followed by
276 monthly repayments of £1,653.93
1 final payment of £250,000.00
The total amount payable would be £733,033.14 made up of the loan amount of £250,000.00 plus interest (£481,898.14), product fee of £995, a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 7.7% APRC representative
Please note: the example above is for a non-portfolio investment property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details.
| Product | Product Fee | Application Fee | Initial Rate | Reverting to standard variable rate currently | Overall cost for comparison | Terms and Conditions |
| 4354 Buy to Let Standard 2 Year Fixed Rate up to 65% loan to value | £0 | £0 | 5.02% Fixed for 2 Years | 7.99% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4483 Buy to Let Standard 2 Year Fixed Rate up to 65% loan to value | £995 | £0 | 4.49% Fixed for 2 Years | 7.99% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 4484 Buy to Let Standard 2 Year Fixed Rate up to 65% loan to value | £1495 | £0 | 4.40% Fixed for 2 Years | 7.99% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 4473 Buy to Let Standard 5 year Fixed Rate up to 65% loan to value | £0 | £0 | 4.55% Fixed for 5 Years | 7.99% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| 4474 Buy to Let Standard 5 year Fixed Rate up to 65% loan to value | £995 | £0 | 4.40% Fixed for 5 Years | 7.99% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| 4485 Buy to Let Standard 5 year Fixed Rate up to 65% loan to value | £1495 | £0 | 4.25% Fixed for 5 Years | 7.99% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| 4360 Buy to Let Standard 2 Year Fixed Rate up to 75% loan to value | £0 | £0 | 5.20% Fixed for 2 Years | 7.99% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4443 Buy to Let Standard 2 Year Fixed Rate up to 75% loan to value | £995 | £0 | 4.80% Fixed for 2 Years | 7.99% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4486 Buy to Let Standard 2 Year Fixed Rate up to 75% loan to value | £1495 | £0 | 4.60% Fixed for 2 Years | 7.99% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4487 Buy to Let Standard 5 year Fixed Rate up to 75% loan to value | £0 | £0 | 4.70% Fixed for 5 Years | 7.99% | 7.0% Annual Percentage Rate of Charge (APRC)1 | View |
| 4488 Buy to Let Standard 5 year Fixed Rate up to 75% loan to value | £995 | £0 | 4.49% Fixed for 5 Years | 7.99% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| 4489 Buy to Let Standard 5 year Fixed Rate up to 75% loan to value | £1495 | £0 | 4.45% Fixed for 5 Years | 7.99% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| 4366 Buy to Let Regulated Family 2 Year Fixed Rate up to 75% loan to value | £0 | £0 | 5.30% Fixed for 2 Years | 7.99% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4448 Buy to Let Regulated Family 2 Year Fixed Rate up to 75% loan to value | £995 | £0 | 4.90% Fixed for 2 Years | 7.99% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4490 Buy to Let Regulated Family 5 year Fixed Rate up to 75% loan to value | £0 | £0 | 4.80% Fixed for 5 Years | 7.99% | 7.0% Annual Percentage Rate of Charge (APRC)1 | View |
| 4491 Buy to Let Regulated Family 5 year Fixed Rate up to 75% loan to value | £995 | £0 | 4.59% Fixed for 5 Years | 7.99% | 7.0% Annual Percentage Rate of Charge (APRC)1 | View |
| 4370 Buy to Let Portfolio 2 Year Fixed Rate up to 75% loan to value | £0 | £0 | 5.30% Fixed for 2 Years | 7.99% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4451 Buy to Let Portfolio 2 Year Fixed Rate up to 75% loan to value | £995 | £0 | 4.90% Fixed for 2 Years | 7.99% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 4492 Buy to Let Portfolio 5 year Fixed Rate up to 75% loan to value | £0 | £0 | 4.80% Fixed for 5 Years | 7.99% | 7.0% Annual Percentage Rate of Charge (APRC)1 | View |
| 4493 Buy to Let Portfolio 5 year Fixed Rate up to 75% loan to value | £995 | £0 | 4.59% Fixed for 5 Years | 7.99% | 7.0% Annual Percentage Rate of Charge (APRC)1 | View |
| 4454 Buy to Let Holiday Let 2 Year Fixed Rate up to 75% loan to value | £0 | £0 | 5.80% Fixed for 2 Years | 7.99% | 7.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 4455 Buy to Let Holiday Let 2 Year Fixed Rate up to 75% loan to value | £995 | £0 | 5.70% Fixed for 2 Years | 7.99% | 7.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 4458 Buy to Let Holiday Let 2 Year Fixed Rate up to 75% loan to value | £1495 | £0 | 5.55% Fixed for 2 Years | 7.99% | 7.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 4456 Buy to Let Holiday Let 5 year Fixed Rate up to 75% loan to value | £0 | £0 | 5.55% Fixed for 5 Years | 7.99% | 7.3% Annual Percentage Rate of Charge (APRC)1 | View |
| 4457 Buy to Let Holiday Let 5 year Fixed Rate up to 75% loan to value | £995 | £0 | 5.45% Fixed for 5 Years | 7.99% | 7.3% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your client's circumstances. Please provide your client with a personalised illustration.
² Your client will receive a cashback on completion of their mortgage. Not available for mortgage transfers or additional borrowing.
³ These products are not available for Portfolio Landlords, Regulated Buy to Let or Non-Homeowner borrowers.
Representative Example (based on a Non-portfolio Investment Property purchase):
The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your investment property: A mortgage of £125,000.00 on an interest only basis payable over 25 years initially on a fixed rate for 2 years fixed at 5.20% and then on our Standard Variable Rate (SVR) of 7.99% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £17.76, followed by
24 monthly repayments of £539.41, followed by
276 monthly repayments of £826.94
1 final payment of £125,000.00
The total amount payable would be £366,339.04 made up of the loan amount of £125,000.00 plus interest (£241,199.04), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 7.7% APRC representative.
Please note: the example above is for a non-portfolio investment property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details.
