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Choosing a mortgage can be tricky, especially if you’ve never done it before. We’re here to make it easier. Not everyone is ready to choose a mortgage, so it’s up to you where you start. You can dive straight into our mortgages, try our mortgage calculator to see how much you could borrow, or just have a read of one of our guides.
Wherever you start, we’re here to help, in fact we’re so helpful we’ve won awards for it.
It’s exciting buying your first home. But we also know it can be a little scary. We've got you.
First time buyersIf it’s time for a change, we have a range of mortgages that can help you move.
Moving homeIf your mortgage deal is coming to an end, search our mortgages to see if we could save you money.
RemortgagingYou can get a mortgage with a deposit as low as 5%.
Explore your options and see how we can help get you into your new home.
If you've already got a mortgage with us, there's lots you can do. Check out your options, or talk to us if you need support.
Our mortgage finder will help you find a mortgage deal that works for you.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 30/09/2026, followed by 2% of amount repaid until 30/09/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 30/09/2026, followed by 2% of amount repaid until 30/09/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 30/09/2026, followed by 2% of amount repaid until 30/09/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 30/09/2026, followed by 5% of amount repaid until 30/09/2027, followed by 4% of amount repaid until 30/09/2028, followed by 3% of amount repaid until 30/09/2029, followed by 2% of amount repaid until 30/09/2030 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
3% of amount repaid until 31/07/2026, followed by 2% of amount repaid until 31/07/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
4% of amount repaid until 31/07/2026, followed by 3% of amount repaid until 31/07/2027, followed by 2% of amount repaid until 31/07/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 30/09/2026, followed by 5% of amount repaid until 30/09/2027, followed by 4% of amount repaid until 30/09/2028, followed by 3% of amount repaid until 30/09/2029, followed by 2% of amount repaid until 30/09/2030 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 30/09/2026, followed by 5% of amount repaid until 30/09/2027, followed by 4% of amount repaid until 30/09/2028, followed by 3% of amount repaid until 30/09/2029, followed by 2% of amount repaid until 30/09/2030 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 30/09/2026, followed by 5% of amount repaid until 30/09/2027, followed by 4% of amount repaid until 30/09/2028, followed by 3% of amount repaid until 30/09/2029, followed by 2% of amount repaid until 30/09/2030 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 30/09/2026, followed by 2% of amount repaid until 30/09/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 30/09/2026, followed by 5% of amount repaid until 30/09/2027, followed by 4% of amount repaid until 30/09/2028, followed by 3% of amount repaid until 30/09/2029, followed by 2% of amount repaid until 30/09/2030 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
6% of amount repaid until 31/07/2026, followed by 5% of amount repaid until 31/07/2027, followed by 4% of amount repaid until 31/07/2028, followed by 3% of amount repaid until 31/07/2029, followed by 2% of amount repaid until 31/07/2030 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 30/09/2026, followed by 5% of amount repaid until 30/09/2027, followed by 4% of amount repaid until 30/09/2028, followed by 3% of amount repaid until 30/09/2029, followed by 2% of amount repaid until 30/09/2030 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
3% of amount repaid until 31/07/2026, followed by 2% of amount repaid until 31/07/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 30/06/2026, followed by 3% of amount repaid until 30/06/2027, followed by 2% of amount repaid until 30/06/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 30/09/2026, followed by 2% of amount repaid until 30/09/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 30/06/2026, followed by 3% of amount repaid until 30/06/2027, followed by 2% of amount repaid until 30/06/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 30/09/2026, followed by 5% of amount repaid until 30/09/2027, followed by 4% of amount repaid until 30/09/2028, followed by 3% of amount repaid until 30/09/2029, followed by 2% of amount repaid until 30/09/2030 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 30/06/2026, followed by 3% of amount repaid until 30/06/2027, followed by 2% of amount repaid until 30/06/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
4% of amount repaid until 31/07/2026, followed by 3% of amount repaid until 31/07/2027, followed by 2% of amount repaid until 31/07/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 30/09/2026, followed by 2% of amount repaid until 30/09/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
6% of amount repaid until 31/07/2026, followed by 5% of amount repaid until 31/07/2027, followed by 4% of amount repaid until 31/07/2028, followed by 3% of amount repaid until 31/07/2029, followed by 2% of amount repaid until 31/07/2030 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 30/09/2026, followed by 5% of amount repaid until 30/09/2027, followed by 4% of amount repaid until 30/09/2028, followed by 3% of amount repaid until 30/09/2029, followed by 2% of amount repaid until 30/09/2030 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 30/09/2026, followed by 5% of amount repaid until 30/09/2027, followed by 4% of amount repaid until 30/09/2028, followed by 3% of amount repaid until 30/09/2029, followed by 2% of amount repaid until 30/09/2030 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 30/09/2026, followed by 2% of amount repaid until 30/09/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 30/09/2026, followed by 5% of amount repaid until 30/09/2027, followed by 4% of amount repaid until 30/09/2028, followed by 3% of amount repaid until 30/09/2029, followed by 2% of amount repaid until 30/09/2030 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 30/06/2026, followed by 3% of amount repaid until 30/06/2027, followed by 2% of amount repaid until 30/06/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 30/06/2026, followed by 3% of amount repaid until 30/06/2027, followed by 2% of amount repaid until 30/06/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 30/09/2026, followed by 2% of amount repaid until 30/09/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 30/09/2026, followed by 5% of amount repaid until 30/09/2027, followed by 4% of amount repaid until 30/09/2028, followed by 3% of amount repaid until 30/09/2029, followed by 2% of amount repaid until 30/09/2030 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 30/09/2026, followed by 5% of amount repaid until 30/09/2027, followed by 4% of amount repaid until 30/09/2028, followed by 3% of amount repaid until 30/09/2029, followed by 2% of amount repaid until 30/09/2030 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 30/06/2026, followed by 3% of amount repaid until 30/06/2027, followed by 2% of amount repaid until 30/06/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 30/06/2026, followed by 3% of amount repaid until 30/06/2027, followed by 2% of amount repaid until 30/06/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
3% of amount repaid until 31/07/2026, followed by 2% of amount repaid until 31/07/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
4% of amount repaid until 31/07/2026, followed by 3% of amount repaid until 31/07/2027, followed by 2% of amount repaid until 31/07/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
6% of amount repaid until 31/07/2026, followed by 5% of amount repaid until 31/07/2027, followed by 4% of amount repaid until 31/07/2028, followed by 3% of amount repaid until 31/07/2029, followed by 2% of amount repaid until 31/07/2030 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 30/09/2026, followed by 5% of amount repaid until 30/09/2027, followed by 4% of amount repaid until 30/09/2028, followed by 3% of amount repaid until 30/09/2029, followed by 2% of amount repaid until 30/09/2030 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 30/06/2026, followed by 3% of amount repaid until 30/06/2027, followed by 2% of amount repaid until 30/06/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 30/09/2026, followed by 2% of amount repaid until 30/09/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
6% of amount repaid until 30/09/2026, followed by 5% of amount repaid until 30/09/2027, followed by 4% of amount repaid until 30/09/2028, followed by 3% of amount repaid until 30/09/2029, followed by 2% of amount repaid until 30/09/2030 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 30/09/2026, followed by 2% of amount repaid until 30/09/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 30/06/2026, followed by 3% of amount repaid until 30/06/2027, followed by 2% of amount repaid until 30/06/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 30/06/2026, followed by 3% of amount repaid until 30/06/2027, followed by 2% of amount repaid until 30/06/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 30/09/2026, followed by 2% of amount repaid until 30/09/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
6% of amount repaid until 31/07/2026, followed by 5% of amount repaid until 31/07/2027, followed by 4% of amount repaid until 31/07/2028, followed by 3% of amount repaid until 31/07/2029, followed by 2% of amount repaid until 31/07/2030 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 30/06/2026, followed by 3% of amount repaid until 30/06/2027, followed by 2% of amount repaid until 30/06/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
3% of amount repaid until 31/07/2026, followed by 2% of amount repaid until 31/07/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Early Repayment Charges
4% of amount repaid until 31/07/2026, followed by 3% of amount repaid until 31/07/2027, followed by 2% of amount repaid until 31/07/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
4% of amount repaid until 30/06/2026, followed by 3% of amount repaid until 30/06/2027, followed by 2% of amount repaid until 30/06/2028 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 30/09/2026, followed by 2% of amount repaid until 30/09/2027 plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
*Initial estimated monthly payments are calculated based on the figures entered above on a capital and interest repayment basis.
**For owner occupier mortgages, the actual variable rate applied will be based on the value of your property relative to the outstanding mortgage balance (this is known as the Loan to Value (LTV)). However, this rate will never be higher than the Society’s Standard Variable Rate at that time. For further details about what happens to your interest rate when your mortgage offer period ends, click here.
Representative example
A mortgage of £200,000 payable over 35 years initially on a fixed rate for two years at 4.95% and then on our current standard variable rate of 6.49% (variable) for the remaining 33 years would require an initial payment of £1,843.83, 27 monthly payments of £1,003.01 and 392 monthly payments of £1,197.82.
The total amount payable would be £498,609.51, made up of the loan amount plus interest (£298,484.51), a completion fee (£999) and an account management fee (£125 - paid upon redemption).
The overall cost for comparison is 6.4% APRC representative.
This representative example assumes mortgage payments are made on the 1st day of a calendar month.
The above representative example is for illustration purposes only and may vary depending on your personal circumstances.
End Date
Reversion Rate
Benefits
Early Repayment Charges
No Early Repayment Charges (ERCs) will be payable should you wish to redeem, overpay or switch to another product with the Society. Interest will be charged to the date of redemption.
End Date
Reversion Rate
Benefits
Early Repayment Charges
No Early Repayment Charges (ERCs) will be payable should you wish to redeem, overpay or switch to another product with the Society. Interest will be charged to the date of redemption.
End Date
Reversion Rate
Early Repayment Charges
1% of amount repaid until 31/07/2026, followed by 1% of amount repaid until 31/07/2027, plus interest to the date of redemption. Following the above period, interest will be charged to the date of redemption. You can make overpayments below £1,000 each calendar month without incurring early repayment charges.
*Initial estimated monthly payments are calculated based on the figures entered above on a capital and interest repayment basis.
**For owner occupier mortgages, the actual variable rate applied will be based on the value of your property relative to the outstanding mortgage balance (this is known as the Loan to Value (LTV)). However, this rate will never be higher than the Society’s Standard Variable Rate at that time. For further details about what happens to your interest rate when your mortgage offer period ends, click here.
Representative example
A mortgage of £248,000 payable over 25 years initially on a variable rate for two years at 4.99% and then on our current standard variable rate of 6.49% (variable) for the remaining 23 years would require an initial payment of £2,499.38, 26 monthly payments of £1,448.34 and 273 monthly payments of £1,656.98.
The total amount payable would be £493,783.94 made up of the loan amount plus interest (£244,659.94), a completion fee (£999) and an account management fee (£125 - paid upon redemption).
The overall cost for comparison is 6.4% APRC representative.
This representative example assumes mortgage payments are made on the 1st day of a calendar month.
The above representative example is for illustration purposes only and may vary depending on your personal circumstances.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Whether you have a question or are ready to take the first step, we're happy to help.
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You can also request a call back or visit us in branch.
