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First Time Buyer

LoanAmount £
PropertyValue £ Term (Years):

Loan To Value Term

• Discount

  • Self Employed 2 Year Discount from our SVR View Details

    Initial Rate	Followed By	APR	ERC	Max LTV	Arr Fee	Monthly Repayment
    3.74%	4.74%	4.8%	3% for 2 years	80%	£495.00

    Product Features

    • Features

      • A discount of 1.75% from the Society's Standard Variable Rate (SVR) for two years (the SVR is currently 5.49%).

      • The interest rate will then revert to a rate discounted by 0.75% from the SVR for the remainder of the term.

      • Available on a Capital and Interest repayment basis.

      • Avaialble for mortgages between £30,000 and £350,000.

      • Minimum age at inception is 25 years and the maximum age at the end of the term is 70 years.

      • Minimum term of 5 years and a maximum term of 30 years.

      • The product is available for purchases only.

      • Interest is calculated on a monthly basis.

      • Product Code DA4c

      • The overall cost for comparison is 4.8% APR. This is the Annual Percentage Rate (APR) which can be used to compare the total cost of different products.

      • Please note: any estimated monthly payments shown are for illustration purposes only. All estimated payments are based on the initial rate during the deal period and on a capital and interest repayment method. They do not take into account any fees or charges payable for changing your mortgage, or applicable interest rate when your initial mortgage deal ends.

  • 2 Year Discounted Rate for Purchases View Details

    Initial Rate	Followed By	APR	ERC	Max LTV	Arr Fee	Monthly Repayment
    3.49%	4.74%	4.7%	3% for 2 years	80%	£0.00

    Product Features

    • Features

      • A discount of 2.00% from the Society's Standard Variable Rate (SVR) for two years (the SVR is currently 5.49%).

      • The interest rate will then revert to a rate discounted by 0.75% from the SVR for the remainder of the term.

      • Available on a Capital and Interest repayment basis.

      • The product is available for mortgages between £30,000 and £350,000.

      • Minimum age at inception is 25 years and the maximum age at the end of the term is 70 years.

      • Minimum term of 5 years and a maximum term of 30 years.

      • The product is only available for purchases.

      • Interest is calculated on a monthly basis.

      • Product Code DA3e.

      • The overall cost for comparison is 4.7% APR. This is the Annual Percentage Rate (APR) which can be used to compare the total cost of different products.

      • Please note: any estimated monthly payments shown are for illustration purposes only. All estimated payments are based on the initial rate during the deal period and on a capital and interest repayment method. They do not take into account any fees or charges payable for changing your mortgage, or applicable interest rate when your initial mortgage deal ends.

  • 2 Year Offset Discounted Rate for Purchases View Details

    Initial Rate	Followed By	APR	ERC	Max LTV	Arr Fee	Monthly Repayment
    3.24%	3.99%	4.0%	None	80%	£495.00

    Product Features

    • Features

      • A discounted rate of 0.75% from the Society's Offset Managed Rate (OMR) for two years (the OMR is currently 3.99%)

      • The interest rate will then revert to the Society's Offset Managed Rate, a variable rate for the remainder of the term.

      • The product allows instant access to savings.

      • Available on a Capital and Interest repayment basis.

      • Maximum 50% of mortgage balance can be offset.

      • Available for mortgages between £30,000 and £350,000.

      • Minimum age at inception is 25 years and the maximum age at the end of the term is 65 years.

      • Minimum term of 5 years and a maximum term of 30 years.

      • This product is available for purchases only. Maximum £30k capital raising allowed for home improvements. Debt consolidation/capital raising for other purposes is excluded.

      • The offset mortgage product is not portable.

      • A minimum of one offset savings account must be opened at completion.

      • No minimum balance to open the offset savings account.

      • Interest is calculated on a monthly basis.

      • Product Code ODM7a

      • The overall cost for comparison is 4.0% APR. This is the Annual Percentage Rate (APR) which can be used to compare the total cost of different products.

      • Please note: any estimated monthly payments shown are for illustration purposes only. All estimated payments are based on the initial rate during the deal period and on a capital and interest repayment method. They do not take into account any fees or charges payable for changing your mortgage, or applicable interest rate when your initial mortgage deal ends.

• Fixed

  • 2 Year Fixed Rate for Purchases View Details

    Initial Rate	Followed By	APR	ERC	Max LTV	Arr Fee	Monthly Repayment
    3.10%	4.74%	4.6%	3% for 2 years	80%	£495.00

    Product Features

    • Features

      • 3.10% fixed for two years, the interest rate will then revert to the Standard Variable Rate minus 0.75% for remainder of the term (the SVR is currently 5.49%)

      • Available on a Capital and Interest repayment basis.

      • The product is available for mortgages between £30,000 and £350,000.

      • Minimum age at inception is 25 years and the maximum age at the end of the term is 70 years.

      • Minimum term of 5 years and a maximum term of 30 years.

      • The product is available for purchases only.

      • Interest is calculated on a monthly basis.

      • Product Code FIX29a

      • The overall cost for comparison is 4.6% APR. This is the Annual Percentage Rate (APR) which can be used to compare the total cost of different products.

      • Please note: any estimated monthly payments shown are for illustration purposes only. All estimated payments are based on the initial rate during the deal period and on a capital and interest repayment method. They do not take into account any fees or charges payable for changing your mortgage, or applicable interest rate when your initial mortgage deal ends.

  • 3 Year Fixed Rate for Purchases View Details

    Initial Rate	Followed By	APR	ERC	Max LTV	Arr Fee	Monthly Repayment
    3.25%	4.74%	4.5%	3% for 3 years	80%	£495.00

    Product Features

    • Features

      • 3.25% fixed for 3 years, the interest rate will then revert to the Standard Variable Rate minus 0.75% for remainder of the term (the SVR is currently 5.49%)

      • Available on a Capital and Interest repayment basis.

      • The product is available for mortgages between £30,000 and £350,000.

      • The minimum age for this product is 25 years and the maximum age is 70 years.

      • Minimum term of 5 years and a maximum term of 30 years.

      • Interest is calculated on a monthly basis.

      • The product is available for purchases only and not for remortgages.

      • Product Code FIX30a

      • The overall cost for comparison is 4.5% APR. This is the Annual Percentage Rate (APR) which can be used to compare the total cost of different products.

      • Please note: any estimated monthly payments shown are for illustration purposes only. All estimated payments are based on the initial rate during the deal period and on a capital and interest repayment method. They do not take into account any fees or charges payable for changing your mortgage, or applicable interest rate when your initial mortgage deal ends.

• Variable

  • Standard Variable Rate mortgage View Details

    Initial Rate	Followed By	APR	ERC	Max LTV	Arr Fee	Monthly Repayment
    5.49%	N/A%	5.7%	3% for 3 years	90%	£495.00

    Product Features

    • Features

      • The Society's Standard Variable Rate (SVR) for the term of the mortgage, currently 5.49%.

      • Available on a Capital and Interest repayment basis.

      • The product is available for mortgages between £30,000 - £350,000.

      • The minimum age for this product is 25 years and the maximum is 70 years.

      • Minimum term of 5 years and a maximum term of 30 years.

      • The product is available for purchases only and not for remortgages.

      • Interest is calculated on a monthly basis.

      • Product Code VA1b

      • The overall cost for comparison is 5.7% APR. This is the Annual Percentage Rate (APR) which can be used to compare the total cost of different products.

      • Please note: any estimated monthly payments shown are for illustration purposes only. All estimated payments are based on the initial rate during the deal period and on a capital and interest repayment method. They do not take into account any fees or charges payable for changing your mortgage, or applicable interest rate when your initial mortgage deal ends.

  • Permanent Discount from our SVR View Details

    Initial Rate	Followed By	APR	ERC	Max LTV	Arr Fee	Monthly Repayment
    4.89%	N/A%	5.1%	3% for 3 years	80%	£495.00

    Product Features

    • Features

      • A discounted rate of 0.60% from the Society's Standard Variable Rate (SVR) for the term of the mortgage (the SVR is currently 5.49%)

      • Available on a Capital and Interest repayment basis.

      • Minimum age at inception is 25 years and the maximum age at the end of the term is 70 years.

      • Minimum term of 5 years and a maximum term of 30 years.

      • The product is available for purchases only.

      • The product is available for mortgages between £30,000 and £350,000.

      • Interest is calculated on a monthly basis.

      • Product Code VA4c.

      • The overall cost for comparison is 5.1% APR. This is the Annual Percentage Rate (APR) which can be used to compare the total cost of different products.

      • Please note: any estimated monthly payments shown are for illustration purposes only. All estimated payments are based on the initial rate during the deal period and on a capital and interest repayment method. They do not take into account any fees or charges payable for changing your mortgage, or applicable interest rate when your initial mortgage deal ends.