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Mortgages

Whether you are looking to buy your first home, remortgage your current home, move up the housing ladder or review your current mortgage deal, the West Brom has a range of competitive mortgage deals which are designed to suit your needs.

Find the mortgage that's right for you

When it comes to choosing the right mortgage, we understand that everyone's circumstances are different. That's why we have made it easy for you to find the right mortgage based on what's important to you.


We are the Best Building Society Mortgage Provider

As voted in the Moneyfacts Awards 2021


Search our mortgages

Use our mortgage finder to search for mortgages which fit your circumstances.

Please note: This information does not contain all of the details you need to choose a mortgage. All figures shown are on a capital repayment basis.

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Fixed Rate Mortgages

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  • 2 Year Fixed Rate Mortgage 60% LTV
  • Initial Rate 1.29% Fixed
  • Overall Cost for Comparison 3.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2023

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      2% of amount repaid until 31/12/2022, followed by 1% of amount repaid until 31/12/2023 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.

  • 2 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 1.54% Fixed
  • Overall Cost for Comparison 3.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2023

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      2% of amount repaid until 31/12/2022, followed by 1% of amount repaid until 31/12/2023 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.

  • 2 Year Fixed Rate Mortgage 80% LTV
  • Initial Rate 2.14% Fixed
  • Overall Cost for Comparison 3.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2023

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      2% of amount repaid until 31/12/2022, followed by 1% of amount repaid until 31/12/2023 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.

  • 2 Year Fixed Rate Mortgage 85% LTV
  • Initial Rate 2.59% Fixed
  • Overall Cost for Comparison 3.8% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2023

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      2% of amount repaid until 31/12/2022, followed by 1% of amount repaid until 31/12/2023 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.

  • 3 Year Fixed Rate Mortgage 60% LTV
  • Initial Rate 1.34% Fixed
  • Overall Cost for Comparison 3.4% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2024

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      3% of amount repaid until 31/12/2022, followed by 2% of amount repaid until 31/12/2023, followed by 1% of amount repaid until 31/12/2024 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.

  • 3 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 2.89% Fixed
  • Overall Cost for Comparison 3.8% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2024

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      3% of amount repaid until 31/12/2022, followed by 2% of amount repaid until 31/12/2023, followed by 1% of amount repaid until 31/12/2024 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.

  • 5 Year Fixed Rate Mortgage 60% LTV
  • Initial Rate 1.39% Fixed
  • Overall Cost for Comparison 3.0% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2026

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      5% of amount repaid until 31/12/2022, followed by 4% of amount repaid until 31/12/2023, followed by 3% of amount repaid until 31/12/2024, followed by 2% of amount repaid until 31/12/2025, followed by 1% of amount repaid until 31/12/2026 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.

  • 5 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 1.69% Fixed
  • Overall Cost for Comparison 3.1% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2026

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      5% of amount repaid until 31/12/2022, followed by 4% of amount repaid until 31/12/2023, followed by 3% of amount repaid until 31/12/2024, followed by 2% of amount repaid until 31/12/2025, followed by 1% of amount repaid until 31/12/2026 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.

  • 5 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 2.99% Fixed
  • Overall Cost for Comparison 3.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2026

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      5% of amount repaid until 31/12/2022, followed by 4% of amount repaid until 31/12/2023, followed by 3% of amount repaid until 31/12/2024, followed by 2% of amount repaid until 31/12/2025, followed by 1% of amount repaid until 31/12/2026 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.

  • 2 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 2.54% Fixed
  • Overall Cost for Comparison 3.9% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      No Booking Fee
    • Early Repayment Charges

      2% of amount repaid until 31/10/2022, followed by 1% of amount repaid until 31/10/2023 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.

  • 2 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 2.89% Fixed
  • Overall Cost for Comparison 3.9% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      2% of amount repaid until 31/10/2022, followed by 1% of amount repaid until 31/10/2023 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.

  • 2 Year Fixed Rate Mortgage 95% LTV
  • Initial Rate 2.99% Fixed
  • Overall Cost for Comparison 3.9% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £499
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      No Booking Fee
      Any fees added to the mortgage cannot exceed 95% LTV
    • Early Repayment Charges

      2% of amount repaid until 31/10/2022, followed by 1% of amount repaid until 31/10/2023 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.

  • 5 Year Fixed Rate Mortgage 95% LTV
  • Initial Rate 3.19% Fixed
  • Overall Cost for Comparison 3.8% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2026

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      No Booking Fee
      Any fees added to the mortgage cannot exceed 95% LTV
    • Early Repayment Charges

      5% of amount repaid until 31/10/2022, followed by 4% of amount repaid until 31/10/2023, followed by 3% of amount repaid until 31/10/2024, followed by 2% of amount repaid until 31/10/2025, followed by 1% of amount repaid until 31/10/2026 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.

  • 2 Year Fixed Rate Mortgage 95% LTV
  • Initial Rate 3.29% Fixed
  • Overall Cost for Comparison 4.0% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      2% of amount repaid until 31/10/2022, followed by 1% of amount repaid until 31/10/2023 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.

  • 3 Year Fixed Rate Mortgage 95% LTV
  • Initial Rate 3.44% Fixed
  • Overall Cost for Comparison 4.0% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2024

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      3% of amount repaid until 31/10/2022, followed by 2% of amount repaid until 31/10/2023, followed by 1% of amount repaid until 31/10/2024 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.

  • 5 Year Fixed Rate Mortgage 95% LTV
  • Initial Rate 3.49% Fixed
  • Overall Cost for Comparison 3.9% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2026

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      5% of amount repaid until 31/10/2022, followed by 4% of amount repaid until 31/10/2023, followed by 3% of amount repaid until 31/10/2024, followed by 2% of amount repaid until 31/10/2025, followed by 1% of amount repaid until 31/10/2026 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.

  • 2 Year Fixed Rate Mortgage 60% LTV
  • Initial Rate 1.74% Fixed
  • Overall Cost for Comparison 3.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      2% of amount repaid until 31/10/2022, followed by 1% of amount repaid until 31/10/2023 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.

  • 3 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 3.19% Fixed
  • Overall Cost for Comparison 3.9% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2024

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      3% of amount repaid until 31/10/2022, followed by 2% of amount repaid until 31/10/2023, followed by 1% of amount repaid until 31/10/2024 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.

  • 5 Year Fixed Rate Mortgage 60% LTV
  • Initial Rate 2.04% Fixed
  • Overall Cost for Comparison 3.3% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2026

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      5% of amount repaid until 31/10/2022, followed by 4% of amount repaid until 31/10/2023, followed by 3% of amount repaid until 31/10/2024, followed by 2% of amount repaid until 31/10/2025, followed by 1% of amount repaid until 31/10/2026 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.

  • 5 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 2.24% Fixed
  • Overall Cost for Comparison 3.4% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2026

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £1000 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      5% of amount repaid until 31/10/2022, followed by 4% of amount repaid until 31/10/2023, followed by 3% of amount repaid until 31/10/2024, followed by 2% of amount repaid until 31/10/2025, followed by 1% of amount repaid until 31/10/2026 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.

  • 5 Year Fixed Rate Mortgage 80% LTV
  • Initial Rate 2.39% Fixed
  • Overall Cost for Comparison 3.4% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2026

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £1000 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      5% of amount repaid until 31/10/2022, followed by 4% of amount repaid until 31/10/2023, followed by 3% of amount repaid until 31/10/2024, followed by 2% of amount repaid until 31/10/2025, followed by 1% of amount repaid until 31/10/2026 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.

  • 5 Year Fixed Rate Mortgage 85% LTV
  • Initial Rate 2.74% Fixed
  • Overall Cost for Comparison 3.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2026

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £1000 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      5% of amount repaid until 31/10/2022, followed by 4% of amount repaid until 31/10/2023, followed by 3% of amount repaid until 31/10/2024, followed by 2% of amount repaid until 31/10/2025, followed by 1% of amount repaid until 31/10/2026 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.

  • 5 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 3.24% Fixed
  • Overall Cost for Comparison 3.8% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2026

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £1000 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      5% of amount repaid until 31/10/2022, followed by 4% of amount repaid until 31/10/2023, followed by 3% of amount repaid until 31/10/2024, followed by 2% of amount repaid until 31/10/2025, followed by 1% of amount repaid until 31/10/2026 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.

  • 5 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 2.09% Fixed
  • Overall Cost for Comparison 3.3% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2026

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £1000 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      5% of amount repaid until 31/10/2022, followed by 4% of amount repaid until 31/10/2023, followed by 3% of amount repaid until 31/10/2024, followed by 2% of amount repaid until 31/10/2025, followed by 1% of amount repaid until 31/10/2026 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.

  • 5 Year Fixed Rate Mortgage 85% LTV
  • Initial Rate 2.54% Fixed
  • Overall Cost for Comparison 3.5% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2026

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      Fees Assisted Legals
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      5% of amount repaid until 31/10/2022, followed by 4% of amount repaid until 31/10/2023, followed by 3% of amount repaid until 31/10/2024, followed by 2% of amount repaid until 31/10/2025, followed by 1% of amount repaid until 31/10/2026 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.

  • 5 Year Fixed Rate Mortgage 80% LTV
  • Initial Rate 2.29% Fixed
  • Overall Cost for Comparison 3.4% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2026

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      5% of amount repaid until 31/10/2022, followed by 4% of amount repaid until 31/10/2023, followed by 3% of amount repaid until 31/10/2024, followed by 2% of amount repaid until 31/10/2025, followed by 1% of amount repaid until 31/10/2026 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.

  • HTB 2 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 2.24% Fixed
  • Overall Cost for Comparison 3.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      2% of amount repaid until 31/10/2022, followed by 1% of amount repaid until 31/10/2023 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.

  • HTB 2 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 2.79% Fixed
  • Overall Cost for Comparison 3.9% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      2% of amount repaid until 31/10/2022, followed by 1% of amount repaid until 31/10/2023 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.

  • HTB 5 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 2.99% Fixed
  • Overall Cost for Comparison 3.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2026

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      5% of amount repaid until 31/10/2022, followed by 4% of amount repaid until 31/10/2023, followed by 3% of amount repaid until 31/10/2024, followed by 2% of amount repaid until 31/10/2025, followed by 1% of amount repaid until 31/10/2026 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.

  • 2 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 1.54% Fixed
  • Overall Cost for Comparison 3.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      No Booking Fee
    • Early Repayment Charges

      2% of amount repaid until 31/10/2022, followed by 1% of amount repaid until 31/10/2023 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.

  • 2 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 1.94% Fixed
  • Overall Cost for Comparison 3.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      2% of amount repaid until 31/10/2022, followed by 1% of amount repaid until 31/10/2023 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.

  • 2 Year Fixed Rate Mortgage 80% LTV
  • Initial Rate 1.84% Fixed
  • Overall Cost for Comparison 3.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      No Booking Fee
    • Early Repayment Charges

      2% of amount repaid until 31/10/2022, followed by 1% of amount repaid until 31/10/2023 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.

  • 2 Year Fixed Rate Mortgage 80% LTV
  • Initial Rate 2.09% Fixed
  • Overall Cost for Comparison 3.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      2% of amount repaid until 31/10/2022, followed by 1% of amount repaid until 31/10/2023 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.

  • 2 Year Fixed Rate Mortgage 85% LTV
  • Initial Rate 2.29% Fixed
  • Overall Cost for Comparison 3.8% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £250 cashback, paid on completion
      No Booking Fee
    • Early Repayment Charges

      2% of amount repaid until 31/10/2022, followed by 1% of amount repaid until 31/10/2023 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.

  • 2 Year Fixed Rate Mortgage 85% LTV
  • Initial Rate 2.59% Fixed
  • Overall Cost for Comparison 3.8% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £250 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      2% of amount repaid until 31/10/2022, followed by 1% of amount repaid until 31/10/2023 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.

  • 2 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 1.74% Fixed
  • Overall Cost for Comparison 3.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      2% of amount repaid until 31/10/2022, followed by 1% of amount repaid until 31/10/2023 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.

  • 2 Year Fixed Rate Mortgage 80% LTV
  • Initial Rate 2.14% Fixed
  • Overall Cost for Comparison 3.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      Fees Assisted Legals
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      2% of amount repaid until 31/10/2022, followed by 1% of amount repaid until 31/10/2023 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.

  • 2 Year Fixed Rate Mortgage 85% LTV
  • Initial Rate 2.69% Fixed
  • Overall Cost for Comparison 3.8% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      Fees Assisted Legals
      £500 cashback, paid on completion
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      2% of amount repaid until 31/10/2022, followed by 1% of amount repaid until 31/10/2023 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.

  • 3 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 1.84% Fixed
  • Overall Cost for Comparison 3.5% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2024

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      No Booking Fee and No Completion Fee
    • Early Repayment Charges

      3% of amount repaid until 31/10/2022, followed by 2% of amount repaid until 31/10/2023, followed by 1% of amount repaid until 31/10/2024 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.

  • 3 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 1.44% Fixed
  • Overall Cost for Comparison 3.4% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/10/2024

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      Fees Assisted Legals
      No Booking Fee
    • Early Repayment Charges

      3% of amount repaid until 31/10/2022, followed by 2% of amount repaid until 31/10/2023, followed by 1% of amount repaid until 31/10/2024 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.

  • FA 2 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 2.39% Fixed
  • Overall Cost for Comparison 3.8% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £99
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      28/02/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      No Booking Fee
    • Early Repayment Charges

      2% of amount repaid until 28/02/2022, followed by 1% of amount repaid until 28/02/2023 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.

  • FA 2 Year Fixed Rate Mortgage 85% LTV
  • Initial Rate 2.99% Fixed
  • Overall Cost for Comparison 3.9% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £99
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      28/02/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      No Booking Fee
    • Early Repayment Charges

      2% of amount repaid until 28/02/2022, followed by 1% of amount repaid until 28/02/2023 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.

  • FA 3 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 2.59% Fixed
  • Overall Cost for Comparison 3.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £99
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      29/02/2024

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      No Booking Fee
    • Early Repayment Charges

      3% of amount repaid until 28/02/2022, followed by 2% of amount repaid until 28/02/2023, followed by 1% of amount repaid until 29/02/2024 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.

  • FA 3 Year Fixed Rate Mortgage 85% LTV
  • Initial Rate 3.19% Fixed
  • Overall Cost for Comparison 3.5% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £99
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      29/02/2024

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      No Booking Fee
    • Early Repayment Charges

      3% of amount repaid until 28/02/2022, followed by 2% of amount repaid until 28/02/2023, followed by 1% of amount repaid until 29/02/2024 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.

  • FA 5 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 2.89% Fixed
  • Overall Cost for Comparison 3.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £99
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      28/02/2026

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      No Booking Fee
    • Early Repayment Charges

      5% of amount repaid until 28/02/2022, followed by 4% of amount repaid until 28/02/2023, followed by 3% of amount repaid until 29/02/2024, followed by 2% of amount repaid until 28/02/2025, followed by 1% of amount repaid until 28/02/2026 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.

  • FA 5 Year Fixed Rate Mortgage 85% LTV
  • Initial Rate 3.49% Fixed
  • Overall Cost for Comparison 3.9% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £99
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      28/02/2026

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      No Booking Fee
    • Early Repayment Charges

      5% of amount repaid until 28/02/2022, followed by 4% of amount repaid until 28/02/2023, followed by 3% of amount repaid until 29/02/2024, followed by 2% of amount repaid until 28/02/2025, followed by 1% of amount repaid until 28/02/2026 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.

Representative example

A mortgage of £155,000 payable over 25 years initially on a fixed rate for two years at 1.84% and then on our current standard variable rate of 3.99% (variable) for the remaining 23 years would require an initial payment of £887.19, 25 monthly payments of £644.97 and 274 monthly payments of £802.77.

The total amount payable would be £238,194.42 made up of the loan amount plus interest (£81,948.25), a completion fee (£999), a telegraphic transfer fee (£30) and an account management fee (£195 - paid upon redemption).

The overall cost for comparison is 3.7% APRC representative.

Variable Mortgages

?What do these terms mean? Click here
  • 2 Year Discounted Variable Rate Mortgage 75% LTV
  • Initial Rate 1.49% Variable
  • Overall Cost for Comparison 3.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2023

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      1% of amount repaid until 31/12/2022, followed by 0.5% of amount repaid until 31/12/2023, 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.

  • 2 Year Discounted Variable Rate Mortgage 85% LTV
  • Initial Rate 2.49% Variable
  • Overall Cost for Comparison 3.8% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2023

      Reversion Rate

      3.99% Variable for Term
    • Early Repayment Charges

      1% of amount repaid until 31/12/2022, followed by 0.5% of amount repaid until 31/12/2023, 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.

  • 2 Year Discounted Variable Rate Mortgage 80% LTV
  • Initial Rate 1.59% Variable
  • Overall Cost for Comparison 3.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge N
  • More info and how to apply
    • End Date

      31/10/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      The initial interest rate will not go below a floor of 1.29%
      No Booking Fee
    • Early Repayment Charges

      Interest will be charged to the date of redemption.

  • 2 Year Discounted Variable Rate Mortgage 90% LTV
  • Initial Rate 2.59% Variable
  • Overall Cost for Comparison 3.9% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge N
  • More info and how to apply
    • End Date

      31/10/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      The initial interest rate will not go below a floor of 2.29%
      No Booking Fee
    • Early Repayment Charges

      Interest will be charged to the date of redemption.

  • 2 Year Discounted Variable Rate Mortgage 60% LTV
  • Initial Rate 1.09% Variable
  • Overall Cost for Comparison 3.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge N
  • More info and how to apply
    • End Date

      31/10/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      Fees Assisted Legals
      The initial interest rate will not go below a floor of 0.79%
      No Booking Fee
    • Early Repayment Charges

      Interest will be charged to the date of redemption.

  • 2 Year Discounted Variable Rate Mortgage 80% LTV
  • Initial Rate 1.59% Variable
  • Overall Cost for Comparison 3.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge N
  • More info and how to apply
    • End Date

      31/10/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      Fees Assisted Legals
      The initial interest rate will not go below a floor of 1.29%
      No Booking Fee
    • Early Repayment Charges

      Interest will be charged to the date of redemption.

  • FA 2 Year Discounted Variable Rate Mortgage 75% LTV
  • Initial Rate 3.09% Variable
  • Overall Cost for Comparison 3.9% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £99
  • Early Repayment Charge N
  • More info and how to apply
    • End Date

      28/02/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      No Booking Fee
    • Early Repayment Charges

      Interest will be charged to the date of redemption.

  • FA 2 Year Discounted Variable Rate Mortgage 85% LTV
  • Initial Rate 3.69% Variable
  • Overall Cost for Comparison 4.1% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £99
  • Early Repayment Charge N
  • More info and how to apply
    • End Date

      28/02/2023

      Reversion Rate

      3.99% Variable for Term

      Benefits

      Free First Standard Valuation available (max £740)
      No Booking Fee
    • Early Repayment Charges

      Interest will be charged to the date of redemption.

*Initial estimated monthly payments are calculated based on the figures entered above on a capital and interest repayment basis.

Representative example

A mortgage of £155,000 payable over 25 years initially on a variable rate for two years at 1.59% and then on our current standard variable rate of 3.99% (variable) for the remaining 23 years would require an initial payment of £835.79, 25 monthly payments of £626.48 and 274 monthly payments of £800.89.

The total amount payable would be £237,165.65 made up of the loan amount plus interest (£80,921.86), a completion fee (£999), a telegraphic transfer fee (£30) and an account management fee (£195 - paid upon redemption).

The overall cost for comparison is 3.7% APRC representative.

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