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Buying a new home

Looking to buy a new home? The West Brom offers a range of mortgages up to 95% LTV. You'll be sure to find the right mortgage to suit your needs.



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"Our adviser was really helpful and the whole process of applying for a new mortgage and buying a new house was really straightforward"

 September 2022

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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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  • 5 Year Fixed Rate Mortgage 75% LTV
  • Initial Rate 4.79% Fixed
  • Overall Cost for Comparison 6.1% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2029

      Reversion Rate

      6.74% Variable for Term**

      Benefits

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

      6% of amount repaid until 31/12/2025, followed by 5% of amount repaid until 31/12/2026, followed by 4% of amount repaid until 31/12/2027, followed by 3% of amount repaid until 31/12/2028, followed by 2% of amount repaid until 31/12/2029 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 4.83% Fixed
  • Overall Cost for Comparison 6.4% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2027

      Reversion Rate

      6.74% Variable for Term**

      Benefits

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

      4% of amount repaid until 31/12/2025, followed by 3% of amount repaid until 31/12/2026, followed by 2% of amount repaid until 31/12/2027 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.

  • 5 Year Fixed Rate Mortgage 85% LTV
  • Initial Rate 4.88% Fixed
  • Overall Cost for Comparison 6.2% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2029

      Reversion Rate

      6.74% Variable for Term**

      Benefits

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

      6% of amount repaid until 31/12/2025, followed by 5% of amount repaid until 31/12/2026, followed by 4% of amount repaid until 31/12/2027, followed by 3% of amount repaid until 31/12/2028, followed by 2% of amount repaid until 31/12/2029 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 4.93% Fixed
  • Overall Cost for Comparison 6.1% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2029

      Reversion Rate

      6.74% Variable for Term**

      Benefits

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

      6% of amount repaid until 31/12/2025, followed by 5% of amount repaid until 31/12/2026, followed by 4% of amount repaid until 31/12/2027, followed by 3% of amount repaid until 31/12/2028, followed by 2% of amount repaid until 31/12/2029 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 85% LTV
  • Initial Rate 4.95% Fixed
  • Overall Cost for Comparison 6.5% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2027

      Reversion Rate

      6.74% Variable for Term**

      Benefits

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

      4% of amount repaid until 31/12/2025, followed by 3% of amount repaid until 31/12/2026, followed by 2% of amount repaid until 31/12/2027 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.

  • 5 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 4.97% Fixed
  • Overall Cost for Comparison 6.2% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2029

      Reversion Rate

      6.74% Variable for Term**

      Benefits

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

      6% of amount repaid until 31/12/2025, followed by 5% of amount repaid until 31/12/2026, followed by 4% of amount repaid until 31/12/2027, followed by 3% of amount repaid until 31/12/2028, followed by 2% of amount repaid until 31/12/2029 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 4.99% Fixed
  • Overall Cost for Comparison 6.4% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2027

      Reversion Rate

      6.74% Variable for Term**

      Benefits

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

      4% of amount repaid until 31/12/2025, followed by 3% of amount repaid until 31/12/2026, followed by 2% of amount repaid until 31/12/2027 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.

  • 5 Year Fixed Rate Mortgage 85% LTV
  • Initial Rate 4.99% Fixed
  • Overall Cost for Comparison 6.1% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2029

      Reversion Rate

      6.74% Variable for Term**

      Benefits

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

      6% of amount repaid until 31/12/2025, followed by 5% of amount repaid until 31/12/2026, followed by 4% of amount repaid until 31/12/2027, followed by 3% of amount repaid until 31/12/2028, followed by 2% of amount repaid until 31/12/2029 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 5.07% Fixed
  • Overall Cost for Comparison 6.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2026

      Reversion Rate

      6.74% Variable for Term**

      Benefits

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

      3% of amount repaid until 31/12/2025, followed by 2% 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.

  • 3 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 5.07% Fixed
  • Overall Cost for Comparison 6.5% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2027

      Reversion Rate

      6.74% Variable for Term**

      Benefits

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

      4% of amount repaid until 31/12/2025, followed by 3% of amount repaid until 31/12/2026, followed by 2% of amount repaid until 31/12/2027 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.

  • 5 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 5.07% Fixed
  • Overall Cost for Comparison 6.2% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2029

      Reversion Rate

      6.74% Variable for Term**

      Benefits

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

      6% of amount repaid until 31/12/2025, followed by 5% of amount repaid until 31/12/2026, followed by 4% of amount repaid until 31/12/2027, followed by 3% of amount repaid until 31/12/2028, followed by 2% of amount repaid until 31/12/2029 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 85% LTV
  • Initial Rate 5.17% Fixed
  • Overall Cost for Comparison 6.5% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2027

      Reversion Rate

      6.74% Variable for Term**

      Benefits

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

      4% of amount repaid until 31/12/2025, followed by 3% of amount repaid until 31/12/2026, followed by 2% of amount repaid until 31/12/2027 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.

  • 5 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 5.28% Fixed
  • Overall Cost for Comparison 6.3% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2029

      Reversion Rate

      6.74% 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

      6% of amount repaid until 31/12/2025, followed by 5% of amount repaid until 31/12/2026, followed by 4% of amount repaid until 31/12/2027, followed by 3% of amount repaid until 31/12/2028, followed by 2% of amount repaid until 31/12/2029 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 5.29% Fixed
  • Overall Cost for Comparison 6.5% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2027

      Reversion Rate

      6.74% Variable for Term**

      Benefits

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

      4% of amount repaid until 31/12/2025, followed by 3% of amount repaid until 31/12/2026, followed by 2% of amount repaid until 31/12/2027 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.

  • 2 Year Fixed Rate Mortgage 85% LTV
  • Initial Rate 5.30% Fixed
  • Overall Cost for Comparison 6.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2026

      Reversion Rate

      6.74% Variable for Term**

      Benefits

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

      3% of amount repaid until 31/12/2025, followed by 2% 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 95% LTV
  • Initial Rate 5.30% Fixed
  • Overall Cost for Comparison 6.3% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £499
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2029

      Reversion Rate

      6.74% Variable for Term**

      Benefits

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

      6% of amount repaid until 31/12/2025, followed by 5% of amount repaid until 31/12/2026, followed by 4% of amount repaid until 31/12/2027, followed by 3% of amount repaid until 31/12/2028, followed by 2% of amount repaid until 31/12/2029 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 5.36% Fixed
  • Overall Cost for Comparison 6.3% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2029

      Reversion Rate

      6.74% Variable for Term**

      Benefits

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

      6% of amount repaid until 31/12/2025, followed by 5% of amount repaid until 31/12/2026, followed by 4% of amount repaid until 31/12/2027, followed by 3% of amount repaid until 31/12/2028, followed by 2% of amount repaid until 31/12/2029 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 5.37% Fixed
  • Overall Cost for Comparison 6.7% 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

      6.74% 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 31/12/2025, followed by 2% 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 5.40% Fixed
  • Overall Cost for Comparison 6.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2026

      Reversion Rate

      6.74% Variable for Term**

      Benefits

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

      3% of amount repaid until 31/12/2025, followed by 2% 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.

  • 3 Year Fixed Rate Mortgage 90% LTV
  • Initial Rate 5.46% Fixed
  • Overall Cost for Comparison 6.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2027

      Reversion Rate

      6.74% 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

      4% of amount repaid until 31/12/2025, followed by 3% of amount repaid until 31/12/2026, followed by 2% of amount repaid until 31/12/2027 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.

  • 3 Year Fixed Rate Mortgage 95% LTV
  • Initial Rate 5.49% Fixed
  • Overall Cost for Comparison 6.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £499
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2027

      Reversion Rate

      6.74% Variable for Term**

      Benefits

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

      4% of amount repaid until 31/12/2025, followed by 3% of amount repaid until 31/12/2026, followed by 2% of amount repaid until 31/12/2027 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.

  • 2 Year Fixed Rate Mortgage 85% LTV
  • Initial Rate 5.52% Fixed
  • Overall Cost for Comparison 6.7% 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

      6.74% 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 31/12/2025, followed by 2% 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 95% LTV
  • Initial Rate 5.54% Fixed
  • Overall Cost for Comparison 6.4% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2029

      Reversion Rate

      6.74% 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

      6% of amount repaid until 31/12/2025, followed by 5% of amount repaid until 31/12/2026, followed by 4% of amount repaid until 31/12/2027, followed by 3% of amount repaid until 31/12/2028, followed by 2% of amount repaid until 31/12/2029 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 5.58% Fixed
  • Overall Cost for Comparison 6.7% 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

      6.74% 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 31/12/2025, followed by 2% 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.

  • 3 Year Fixed Rate Mortgage 95% LTV
  • Initial Rate 5.60% Fixed
  • Overall Cost for Comparison 6.6% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2027

      Reversion Rate

      6.74% Variable for Term**

      Benefits

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

      4% of amount repaid until 31/12/2025, followed by 3% of amount repaid until 31/12/2026, followed by 2% of amount repaid until 31/12/2027 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.

  • 3 Year Fixed Rate Mortgage 95% LTV
  • Initial Rate 5.73% Fixed
  • Overall Cost for Comparison 6.7% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2027

      Reversion Rate

      6.74% 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

      4% of amount repaid until 31/12/2025, followed by 3% of amount repaid until 31/12/2026, followed by 2% of amount repaid until 31/12/2027 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.

  • 2 Year Fixed Rate Mortgage 95% LTV
  • Initial Rate 5.79% Fixed
  • Overall Cost for Comparison 6.8% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £499
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2026

      Reversion Rate

      6.74% Variable for Term**

      Benefits

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

      3% of amount repaid until 31/12/2025, followed by 2% 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 5.87% Fixed
  • Overall Cost for Comparison 6.8% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2026

      Reversion Rate

      6.74% 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 31/12/2025, followed by 2% 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 95% LTV
  • Initial Rate 5.97% Fixed
  • Overall Cost for Comparison 6.8% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2026

      Reversion Rate

      6.74% 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 31/12/2025, followed by 2% 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 95% LTV
  • Initial Rate 6.16% Fixed
  • Overall Cost for Comparison 6.9% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £0
  • Early Repayment Charge Y
  • More info and how to apply
    • End Date

      31/12/2026

      Reversion Rate

      6.74% 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 31/12/2025, followed by 2% 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.

*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 £114,000 payable over 35 years initially on a fixed rate for two years at 5.58% and then on our current standard variable rate of 6.74% (variable) for the remaining 33 years would require an initial payment of £1,156.98, 27 monthly payments of £618.19, and 392 monthly payments of £703.88.

The total amount payable would be £293,768.82, made up of the loan amount plus interest (£179,643.82), and an account management fee (£125 - paid upon redemption).

The overall cost for comparison is 6.8% 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.

Variable Mortgages

?What do these terms mean? Click here
  • 2 Year Discounted Variable Rate Mortgage 90% LTV
  • Initial Rate 6.14% Variable
  • Overall Cost for Comparison 7.0% APRC
  • Initial Estimated Monthly Payments £*
  • Booking Fee £0
  • Completion Fee £999
  • Early Repayment Charge N
  • More info and how to apply
    • End Date

      30/09/2026

      Reversion Rate

      6.74% Variable for Term**

      Benefits

      Free First Standard Valuation available (max £740)
      The initial interest rate will not go below a floor of 2.50%
      No Booking Fee
    • 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.

*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 £270,000 payable over 35 years initially on a variable rate for two years at 6.14% and then on our current standard variable rate of 6.74% (variable) for the remaining 33 years would require an initial payment of £2,969.13, 25 monthly payments of £1,564.98 and 394 monthly payments of £1,671.89.

The total amount payable would be £701,969.80 made up of the loan amount plus interest (£430,845.80), a completion fee (£999) and an account management fee (£125 - paid upon redemption).

The overall cost for comparison is 6.9% 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.

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