We’ve gathered 160 years of experience delivering reliable mortgages with exceptional levels of customer service you can depend on.
Our team of Qualified Mortgage Advisers are available to support you throughout the whole process, helping you choose the right mortgage for your circumstances from our competitive range of products.
Obtaining a mortgage can be an exciting time for most people - whether you are getting the keys to your first home, improving your existing home or arranging your finances for the future. Whatever the reason, we are here to help you.
A fixed rate for a set amount of time, providing you with stability and guaranteeing your monthly repayment amount, regardless of any changes in interest rates.
Once this fixed period ends, your mortgage rate will change back to our Standard Variable Rate (SVR) at the current rate at this time.
| Product | Product Fee | Application Fee | Initial Rate | Reverting to standard variable rate currently | Overall cost for comparison | Terms and Conditions |
| 3243 2 Year Fixed Rate up to 90% loan to value | £0 | £0 | 5.39% Fixed until 28/02/2027 | 7.99% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 3227 2 Year Fixed Rate up to 95% loan to value | £0 | £0 | 5.74% Fixed until 28/02/2027 | 7.99% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 3229 Residential Shared Ownership 2 Year Fixed Rate up to 95% loan to value | £0 | £0 | 5.38% Fixed until 28/02/2027 | 7.99% | 7.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 3230 Residential Shared Ownership 5 Year Fixed Rate up to 95% loan to value WITH £400 Cashback² | £0 | £0 | 5.14% Fixed until 28/02/2030 | 7.99% | 6.8% 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 circumstances, please ask for a personalised illustration.
² You will receive a cashback on completion of your 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 5.74% and then on our Standard Variable Rate (SVR) of 7.99% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £19.66, followed by
24 monthly repayments of £782.01, followed by
276 monthly repayments of £947.16
The total amount payable would be £280,344.06 made up of the loan amount of £125,000.00 plus interest (£155,204.06), a funds transfer fee of £20 and legal fee of £120.
The overall cost for comparison is 7.7% 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.
A discount mortgage is a type of variable-rate mortgage. The term 'discount' is used because the interest rate is set at a certain 'discount' below our Standard Variable Rate (SVR) for a set period of time.
Having a discount mortgage means you can be sure that your rate will always remain below our SVR for the length of the deal.
| Product | Product Fee | Application Fee | Initial Rate | Reverting to standard variable rate currently | Overall cost for comparison | Terms and Conditions |
| 3168 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 |
| 3169 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 |
| 3170 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 |
| 3171 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 circumstances, please ask for a personalised illustration.
² You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.
If you choose an interest only mortgage, you 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 £322.23, followed by
24 monthly repayments of £767.92, followed by
276 monthly repayments of £946.05
The total amount payable would be £280,002.11 made up of the loan amount of £125,000.00 plus interest (£154,862.11), 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 |
| 3236 Buy to Let Standard 2 Year Fixed Rate up to 75% loan to value WITH £400 Cashback² | £1495 | £0 | 4.70% Fixed until 28/02/2027 | 7.99% | 7.7% Annual Percentage Rate of Charge (APRC)1 | View |
| 3247 Buy to Let Standard 5 Year Fixed Rate up to 75% loan to value WITH £400 Cashback² | £1495 | £0 | 4.42% Fixed until 28/02/2030 | 7.99% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| 3248 Buy to Let Standard 5 Year Fixed Rate up to 75% loan to value WITH £400 Cashback² | £995 | £0 | 4.50% Fixed until 28/02/2030 | 7.99% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| 3239 Buy to Let Holiday Let 2 Year Fixed Rate up to 75% loan to value | £1495 | £0 | 5.45% Fixed until 28/02/2027 | 7.99% | 7.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 3240 Buy to Let Green Holiday Let 2 Year Fixed Rate up to 75% loan to value WITH £400 Cashback² | £1495 | £0 | 5.45% Fixed until 28/02/2027 | 7.99% | 7.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 3241 Buy to Let Ltd Co BTL 2 Year Fixed Rate up to 75% loan to value | £995 | £0 | 5.75% Fixed until 28/02/2027 | 7.99% | 7.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 3242 Buy to Let Green Ltd Co BTL 2 Year Fixed Rate up to 75% loan to value WITH £400 Cashback² | £995 | £0 | 5.75% Fixed until 28/02/2027 | 7.99% | 7.8% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.
² You will receive a cashback on completion of your 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 4.70% and then on our Standard Variable Rate (SVR) of 7.99% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £32.19, followed by
24 monthly repayments of £975.47, followed by
276 monthly repayments of £1,653.93
1 final repayment of £250,000.00
The total amount payable would be £731,563.15 made up of the loan amount of £250,000.00 plus interest (£479,928.15), 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.
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 |
| 3129 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 |
| 3119 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 |
| 3120 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 |
| 3121 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 |
| 3118 Buy to Let Holiday Let 2 Year Discounted Rate up to 75% loan to value | £995 | £0 | 5.45% Variable for 2 Years (our standard variable rate Minus 2.54% discounted) | 7.99% | 7.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 3117 Buy to Let Green Holiday Let 2 Year Discounted Rate up to 75% loan to value WITH £400 Cashback² | £995 | £0 | 5.45% Variable for 2 Years (our standard variable rate Minus 2.54% discounted) | 7.99% | 7.8% Annual Percentage Rate of Charge (APRC)1 | View |
| 3123 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 |
| 3122 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 circumstances, please ask for a personalised illustration.
² You will receive a cashback on completion of your 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 £621.24, followed by
24 monthly repayments of £1,109.79, followed by
276 monthly repayments of £1,653.83
1 final repayment of £250,000.00
The total amount payable would be £734,848.28 made up of the loan amount of £250,000.00 plus interest (£483,713.28), 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.
Appointments with our Mortgage Advisers are available over the phone, via Teams video call or in person at any of our branches. Your dedicated Mortgage Adviser will guide you through the process, listening closely to your needs and circumstances to ensure you receive the most suitable mortgage for you.
Call us free between 9am - 5pm (Monday - Friday) to make an appointment with one of our Qualified Mortgage Advisers. If you call outside these hours please leave a message and we will call back as soon as possible during office hours.
Monday - Friday 9am - 5pm
Appointments available between
8am - 7pm - Monday - Thursday
8am - 5pm - Friday
9am - 4pm - Saturday
