We’ve gathered over 160 years of experience delivering reliable mortgages with exceptional levels of customer service you can depend on. As an independent mutual building society, we're focused on delivering long-term value, personalised financial services and competitive mortgage products.
But don't just take our word for it. We're proud to have been named the UK’s Best Specialist Mortgage Provider at the 2025 British Bank Awards. Our customers have also rated us an impressive 4.90 out of 5 on the leading independent financial review platform Smart Money People.
Our tailored approach and commitment to delivering an outstanding service are why thousands consider us a force for good, helping borrowers do great things today and even better things tomorrow. Whether you're looking to remortgage with us, searching for a first-time buyer mortgage, or want to find a mortgage deal best suited to your needs, we can help.
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We deliver a range of award-winning mortgage products. Scroll to explore our competitive fixed rate mortgages, buy to let fixed rate mortgages and buy to let discounted mortgages. Find the best mortgage deal for you.
A fixed rate for a set amount of time, providing you with stability and guaranteeing your monthly repayment amount, regardless of any changes in interest rates.
Once this fixed period ends, your mortgage rate will change back to our Standard Variable Rate (SVR) at the current rate at this time.
| Product | Product Fee | Application Fee | Initial Rate | Reverting to standard variable rate currently | Overall cost for comparison | Terms and Conditions |
| 5 Year Fixed Rate up to 90% loan to value (3615) | £0 | £0 | 4.58% Fixed until 31/03/2031 | 7.34% | 6.2% Annual Percentage Rate of Charge (APRC)1 | View |
| 5 Year Fixed Rate up to 90% loan to value (3575) | £995 | £0 | 4.30% Fixed until 31/03/2031 | 7.34% | 6.1% Annual Percentage Rate of Charge (APRC)1 | View |
| 2 Year Fixed Rate up to 95% loan to value WITH £400 Cashback² (3642) | £995 | £0 | 4.79% Fixed until 31/03/2028 | 7.34% | 7.0% Annual Percentage Rate of Charge (APRC)1 | View |
| 5 Year Fixed Rate up to 95% loan to value (3643) | £0 | £0 | 4.67% Fixed until 31/03/2031 | 7.34% | 6.3% Annual Percentage Rate of Charge (APRC)1 | View |
| 5 Year Fixed Rate up to 95% loan to value WITH £400 Cashback² (3644) | £0 | £0 | 4.75% Fixed until 31/03/2031 | 7.34% | 6.3% Annual Percentage Rate of Charge (APRC)1 | View |
| 5 Year Fixed Rate up to 95% loan to value (3645) | £995 | £0 | 4.56% Fixed until 31/03/2031 | 7.34% | 6.3% Annual Percentage Rate of Charge (APRC)1 | View |
| Residential Interest Only 2 Year Fixed Rate up to 75% loan to value (3632) | £995 | £0 | 4.32% Fixed until 31/03/2028 | 7.34% | 7.0% Annual Percentage Rate of Charge (APRC)1 | View |
| Residential Shared Ownership 2 Year Fixed Rate up to 90% loan to value (3581) | £0 | £0 | 4.47% Fixed until 31/03/2028 | 7.34% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| Residential Shared Ownership 2 Year Fixed Rate up to 90% loan to value WITH £400 Cashback² (3633) | £0 | £0 | 4.60% Fixed until 31/03/2028 | 7.34% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| Residential Shared Ownership 5 Year Fixed Rate up to 90% loan to value (3582) | £0 | £0 | 4.41% Fixed until 31/03/2031 | 7.34% | 6.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Residential Shared Ownership 5 Year Fixed Rate up to 90% loan to value WITH £400 Cashback² (3634) | £0 | £0 | 4.46% Fixed until 31/03/2031 | 7.34% | 6.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Residential Shared Ownership 2 Year Fixed Rate up to 95% loan to value (3646) | £0 | £0 | 4.61% Fixed until 31/03/2028 | 7.34% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| Residential Shared Ownership 2 Year Fixed Rate up to 95% loan to value WITH £400 Cashback² (3647) | £0 | £0 | 4.76% Fixed until 31/03/2028 | 7.34% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| Residential Shared Ownership 5 Year Fixed Rate up to 95% loan to value (3648) | £0 | £0 | 4.63% Fixed until 31/03/2031 | 7.34% | 6.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Residential Shared Ownership 5 Year Fixed Rate up to 95% loan to value WITH £400 Cashback² (3649) | £0 | £0 | 4.69% Fixed until 31/03/2031 | 7.34% | 6.3% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.
² You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.
Representative Example (based on a residential property purchase):
The overall cost for comparison is given as the Annual Percentage Rate of Charge (APRC) and includes all fees incurred relating to the mortgage and product. The APRC allows you to compare the cost of different products.
On a mortgage of £250,000.00 on a capital and interest (repayment) basis payable over 25 years initially on a fixed rate for 2 years fixed at 4.79% and then on our Standard Variable Rate (SVR) of 7.34% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £32.81, followed by
24 monthly repayments of £1,425.55, followed by
276 monthly repayments of £1,785.93
The total amount payable would be £528,297.69 made up of the loan amount of £250,000.00 plus interest (£277,162.69), product fee of £995, a funds transfer fee of £20 and legal fee of £120.
The overall cost for comparison is 7.0% APRC representative.
This information isn’t representative of your personal circumstances and your payments may differ from this. Please ask for and refer to your personalised illustration.
| Product | Product Fee | Application Fee | Initial Rate | Reverting to standard variable rate currently | Overall cost for comparison | Terms and Conditions |
| Buy to Let Standard 2 Year Fixed Rate up to 75% loan to value WITH £400 Cashback² (3591) | £1495 | £0 | 4.29% Fixed until 31/03/2028 | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Regulated Family 2 Year Fixed Rate up to 75% loan to value (3600) | £0 | £0 | 4.54% Fixed until 31/03/2028 | 7.34% | 7.0% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let First Time Buyer 2 Year Fixed Rate up to 75% loan to value (3601) | £0 | £0 | 4.54% Fixed until 31/03/2028 | 7.34% | 7.0% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Portfolio 2 Year Fixed Rate up to 75% loan to value (3602) | £0 | £0 | 4.59% Fixed until 31/03/2028 | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Holiday Let 2 Year Fixed Rate up to 75% loan to value (3624) | £995 | £0 | 4.76% Fixed until 31/03/2028 | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Green Holiday Let 2 Year Fixed Rate up to 75% loan to value WITH £250 Cashback² (3625) | £995 | £0 | 4.76% Fixed until 31/03/2028 | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Holiday Let 5 Year Fixed Rate up to 75% loan to value (3626) | £995 | £0 | 4.75% Fixed until 31/03/2031 | 7.34% | 6.6% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Green Holiday Let 5 Year Fixed Rate up to 75% loan to value WITH £250 Cashback² (3627) | £995 | £0 | 4.75% Fixed until 31/03/2031 | 7.34% | 6.6% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Ltd Co BTL 2 Year Fixed Rate up to 75% loan to value (3654) | £0 | £0 | 5.18% Fixed until 31/03/2028 | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Green Ltd Co BTL 2 Year Fixed Rate up to 75% loan to value WITH £250 Cashback² (3655) | £0 | £0 | 5.18% Fixed until 31/03/2028 | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Ltd Co BTL 2 Year Fixed Rate up to 75% loan to value (3656) | £1495 | £0 | 4.80% Fixed until 31/03/2028 | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Green Ltd Co BTL 2 Year Fixed Rate up to 75% loan to value WITH £250 Cashback² (3657) | £1495 | £0 | 4.80% Fixed until 31/03/2028 | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Ltd Co BTL 5 Year Fixed Rate up to 75% loan to value (3658) | £0 | £0 | 5.01% Fixed until 31/03/2031 | 7.34% | 6.7% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Green Ltd Co BTL 5 Year Fixed Rate up to 75% loan to value WITH £250 Cashback² (3659) | £0 | £0 | 5.01% Fixed until 31/03/2031 | 7.34% | 6.7% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Ltd Co BTL 5 Year Fixed Rate up to 75% loan to value (3660) | £1495 | £0 | 4.87% Fixed until 31/03/2031 | 7.34% | 6.7% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Green Ltd Co BTL 5 Year Fixed Rate up to 75% loan to value WITH £250 Cashback² (3661) | £1495 | £0 | 4.87% Fixed until 31/03/2031 | 7.34% | 6.7% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.
² You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.
³ These products are not available for Portfolio Landlords, Regulated Buy to Let or Non-Homeowner borrowers.
Representative Example (based on a Non-portfolio Investment Property purchase):
The overall cost for comparison is given as the Annual Percentage Rate of Charge (APRC) and includes all fees incurred relating to the mortgage and product. The APRC allows you to compare the cost of different products.
On a mortgage of £250,000.00 on an interest only basis payable over 25 years initially on a fixed rate for 2 years fixed at 4.29% and then on our Standard Variable Rate (SVR) of 7.34% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £29.38, followed by
24 monthly repayments of £890.67, followed by
276 monthly repayments of £1,520.30
1 final repayment of £250,000.00
The total amount payable would be £692,643.26 made up of the loan amount of £250,000.00 plus interest (£441,008.26), product fee of £1,495, a funds transfer fee of £20 and legal fee of £120.
The overall cost for comparison is 7.1% APRC representative.
This information isn’t representative of your personal circumstances and your payments may differ from this. Please ask for and refer to your personalised illustration.
| Product | Product Fee | Application Fee | Initial Rate | Reverting to standard variable rate currently | Overall cost for comparison | Terms and Conditions |
| Buy to Let Standard 2 Year Discounted Rate up to 75% loan to value WITH £200 Cashback² (3592) | £995 | £0 | 4.95% Variable for 2 Years (our standard variable rate Minus 2.39% discounted) | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Regulated Family 2 Year Discounted Rate up to 75% loan to value (3635) | £1495 | £0 | 5.00% Variable for 2 Years (our standard variable rate Minus 2.34% discounted) | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Portfolio 2 Year Discounted Rate up to 75% loan to value (3636) | £995 | £0 | 5.00% Variable for 2 Years (our standard variable rate Minus 2.34% discounted) | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let First Time Buyer 2 Year Discounted Rate up to 75% loan to value (3637) | £1495 | £0 | 5.00% Variable for 2 Years (our standard variable rate Minus 2.34% discounted) | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Holiday Let 2 Year Discounted Rate up to 75% loan to value (3596) | £1495 | £0 | 5.00% Variable for 2 Years (our standard variable rate Minus 2.34% discounted) | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Green Holiday Let 2 Year Discounted Rate up to 75% loan to value WITH £400 Cashback² (3597) | £1495 | £0 | 5.00% Variable for 2 Years (our standard variable rate Minus 2.34% discounted) | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Ltd Co BTL 2 Year Discounted Rate up to 75% loan to value (3598) | £1995 | £0 | 5.00% Variable for 2 Years (our standard variable rate Minus 2.34% discounted) | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Green Ltd Co BTL 2 Year Discounted Rate up to 75% loan to value WITH £400 Cashback² (3599) | £1995 | £0 | 5.00% Variable for 2 Years (our standard variable rate Minus 2.34% discounted) | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.
² You will receive a cashback on completion of your mortgage. Not available for mortgage transfers or additional borrowing.
³ These products are not available for Portfolio Landlords, Regulated Buy to Let or Non-Homeowner borrowers.
All our discounted mortgage products have a floored rate which means your interest rate will never go below this floored rate during the term of the product. To see the floored rate, please click on the View link next to the product.
Representative Example (based on a Non-portfolio Investment Property purchase):
The overall cost for comparison is given as the Annual Percentage Rate of Charge (APRC) and includes all fees incurred relating to the mortgage and product. The APRC allows you to compare the cost of different products.
On a mortgage of £250,000.00 on an interest only basis payable over 25 years initially on a discounted variable rate of 4.95% (equal to 2.39% discount off our Standard Variable Rate) for 2 years. Then on our Standard Variable Rate (SVR) of 7.34% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £576.37, followed by
24 monthly repayments of £1,027.15, followed by
276 monthly repayments of £1,520.31
1 final repayment of £250,000.00
The total amount payable would be £695,968.53 made up of the loan amount of £250,000.00 plus interest (£444,833.53), product fee of £995, a funds transfer fee of £20 and legal fee of £120.
The overall cost for comparison is 7.2% APRC representative.
This information isn’t representative of your personal circumstances and your payments may differ from this. Please ask for and refer to your personalised illustration.
Call us free between 9am - 5pm (Monday - Friday) to make an appointment with one of our Mortgage Advisers. If you call outside these hours please leave a message and we will call back as soon as possible during office hours.
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Appointments available between
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8am - 5pm - Friday
9am - 4pm - Saturday
