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  • Discount

    • Second Home (Home from Home) 80% LTV View Details

      Initial Rate Followed By APR ERC Max LTV Arr Fee Monthly Repayment
      3.99% 4.49% 4.5% 3% for 3 years 80% £495.00
      Product Features

      • Features

        • This is a Second Home product which offers a discounted rate of 1.50% off the Society’s Standard Variable Rate (SVR) for 3 years, currently 3.99%.
        • The interest rate will then revert to a rate discounted by 1.00% off the SVR for the remainder of the term (currently 4.49%).
        • 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 age is 70 years.
        • Minimum term of 5 years and a maximum term of 30 years
        • The product is available for purchases and remortgages for owner occupation only of second residential homes.
        • A maximum additional loan amount on remortgage of £5,000 can be taken for the purpose of Home Improvements.
        • The product is available for Second Time Buyers only.
        • The property is not to be let.
        • This mortgage product is not portable.
        • Interest is calculated on a monthly basis.
        • Product Code DA8c
        • 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.

    • Second Home (Home from Home) 65% LTV View Details

      Initial Rate Followed By APR ERC Max LTV Arr Fee Monthly Repayment
      3.49% 4.49% 4.4% 3% for 3 years 65% £495.00
      Product Features

      • Features

        • This is a Second Home product which offers a discounted rate off 2.00% of the Society’s Standard Variable Rate (SVR) for 3 years, currently 3.49%.
        • The interest rate will then revert to a rate discounted by 1.00% off the SVR for the remainder of the term (currently 4.49%).
        • The product is available for mortgages between £30,000 - £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
        • The product is available for purchases and remortgages for owner occupation only of second residential homes only.
        • Maximum sums of £5k can be raised for the purpose of Home Improvements.
        • The product is available for Second Time Buyers only.
        • The property is not to be let.
        • This mortgage is not portable.
        • Interest is calculated on a monthly basis.
        • Product Code DA11a
        • The overall cost for comparison is 4.4% 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 Discounted Rate For Re-mortgages View Details

      Initial Rate Followed By APR ERC Max LTV Arr Fee Monthly Repayment
      3.59% 4.74% 4.6% 3% for 3 years 80% £495.00
      Product Features

      • Features

        • A discount of 1.90% from the Society's Standard Variable Rate (SVR) for three years (the SVR is currently 5.49%)
        • The interest rate will then revert to a rate discounted by 0.75% off 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.
        • This product is available for remortgages only. Up to £30,000 can be borrowed for the purpose of home improvements.
        • Minimum period of ownership of current property one year before remortgage is permitted.
        • Interest is calculated on a monthly basis.
        • Product Code DA12a.
        • 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.

    • 2 Year Discounted Rate for Re-Mortgages 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 remortgages 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 ODM6a
        • 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

    • 3 Year Fixed Rate for Re-Mortgages View Details

      Initial Rate Followed By APR ERC Max LTV Arr Fee Monthly Repayment
      3.35% 4.74% 4.6% 3% for 3 years 80% £749.00
      Product Features

      • Features

        • 3.35% fixed for three 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.
        • This product is available for remortgages only.
        • Maximum £30k capital raising allowed for home improvements. Debt consolidation/capital raising for other purposes is excluded.
        • Interest is calculated on a monthly basis.
        • Product Code FIX31a
        • 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.

  • 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 85% £495.00
      Product Features

      • Features

        • The Society's Standard Variable Rate for the term of the mortgage, 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.
        • This product is available for remortgages only.
        • Up to £30,000 can be raised for the purpose of Home Improvements and £25,000 for the purpose of capital raising. Please note this is not available for credit impaired borrowers.
        • Minimum period of property ownership one year before remortgage permitted.
        • The product is available for mortgages between £30,000 and £350,000.
        • Interest is calculated on a monthly basis.
        • Product Code VA2b
        • 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 mortgage deal ends.
        • THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

    • 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.
        • The product is available for mortgages between £30,000 and £350,000.
        • The minimum age for this product is 25 years and the maximum is 70 years.
        • Minimum age at inception is 25 years and the maximum age at the end of the term is 70 years.
        • The product is available for remortgages only.
        • Minimum period of property ownership one year before remortgage permitted.
        • Up to £30,000 can be raised for the purpose of Home Improvements and £25,000 for the purpose of capital raising. Please note this is not available for credit impaired borrowers.
        • Interest is calculated on a monthly basis.
        • Product Code VA5c.
        • 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.
        • THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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This information does not contain all of the details you need to choose a mortgage. Make sure that you read the separate key facts illustration before you make a decision.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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