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It’s not just our range of competitive mortgages that make us stand out from the crowd – there’s more.
Our mortgage finder will help you find a mortgage deal right for you.
End Date
Reversion Rate
Benefits
Early Repayment Charges
3% of amount repaid until 30/06/2026, followed by 2% of amount repaid until 30/06/2027 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 30/06/2026, followed by 2% of amount repaid until 30/06/2027 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 30/06/2026, followed by 5% of amount repaid until 30/06/2027, followed by 4% of amount repaid until 30/06/2028, followed by 3% of amount repaid until 30/06/2029, followed by 2% of amount repaid until 30/06/2030 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 30/06/2026, followed by 5% of amount repaid until 30/06/2027, followed by 4% of amount repaid until 30/06/2028, followed by 3% of amount repaid until 30/06/2029, followed by 2% of amount repaid until 30/06/2030 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 30/06/2026, followed by 2% of amount repaid until 30/06/2027 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 30/06/2026, followed by 5% of amount repaid until 30/06/2027, followed by 4% of amount repaid until 30/06/2028, followed by 3% of amount repaid until 30/06/2029, followed by 2% of amount repaid until 30/06/2030 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 30/06/2026, followed by 5% of amount repaid until 30/06/2027, followed by 4% of amount repaid until 30/06/2028, followed by 3% of amount repaid until 30/06/2029, followed by 2% of amount repaid until 30/06/2030 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
6% of amount repaid until 30/06/2026, followed by 5% of amount repaid until 30/06/2027, followed by 4% of amount repaid until 30/06/2028, followed by 3% of amount repaid until 30/06/2029, followed by 2% of amount repaid until 30/06/2030 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 30/06/2026, followed by 5% of amount repaid until 30/06/2027, followed by 4% of amount repaid until 30/06/2028, followed by 3% of amount repaid until 30/06/2029, followed by 2% of amount repaid until 30/06/2030 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 30/06/2026, followed by 2% of amount repaid until 30/06/2027 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 £193,000 payable over 30 years initially on a fixed rate for two years at 4.69% and then on our current standard variable rate of 6.49% (variable) for the remaining 28 years would require an initial payment of £1,768.58, 24 monthly payments of £999.81 and 335 monthly payments of £1,207.14.
The total amount payable would be £431,446.26 made up of the loan amount plus interest (£237,322.26), 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.
*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 £222,000 payable over 30 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 28 years would require an initial payment of £2,131.24, 26 monthly payments of £1,190.39 and 273 monthly payments of £1,390.11.
The total amount payable would be £497,298.73 made up of the loan amount plus interest (£274,174.73), a completion fee (£999) and an account management fee (£125 - paid upon redemption).
The overall cost for comparison is 6.5% 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.
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