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Exclusive Existing Borrower Products We can help if you are moving house, switching products or require additional borrowing. For borrowers currently paying the Society's Standard Variable Rate there may be other products available to you.
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Existing borrower Mortgages by Leek Building Society

As a valued existing borrower, you have access to our exclusive range of existing borrower products. The products below are available if you are looking to borrow more money on your current property or are moving house and need to borrow more.  They are also for you if your current product is about to expire, and you wish to secure a new rate.

If your current mortgage product expires within the next 4 months, we will have written to you about this. If you are eligible to select your next mortgage product online, our letter will confirm how you do this and you can start the process by going to our product switch area. If you are not eligible to apply for your next product online, our letter will explain how you can apply for your next mortgage product

Our range of Residential mortgages for existing borrowers

Existing Borrower Residential Discounted Mortgages

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
2931 2 Year Discounted Rate up to 75% loan to value £0 £0 5.39% Variable for 2 Years (our standard variable rate Minus 2.85% discounted) 8.24% 7.8% Annual Percentage Rate of Charge (APRC)1 View  
2957 2 Year Discounted Rate up to 75% loan to value £495 £0 5.15% Variable for 2 Years (our standard variable rate Minus 3.09% discounted) 8.24% 7.8% Annual Percentage Rate of Charge (APRC)1 View  
2941 Residential Interest Only 2 Year Discounted Rate up to 75% loan to value £0 £0 5.49% Variable for 2 Years (our standard variable rate Minus 2.75% discounted) 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
2979 Residential Interest Only 2 Year Discounted Rate up to 75% loan to value £995 £0 5.25% Variable for 2 Years (our standard variable rate Minus 2.99% discounted) 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
2962 Residential Help to Buy 2 Year Discounted Rate up to 75% loan to value £0 £0 5.69% Variable for 2 Years (our standard variable rate Minus 2.55% discounted) 8.24% 7.9% Annual Percentage Rate of Charge (APRC)1 View  
2936 2 Year Discounted Rate up to 90% loan to value £0 £0 5.49% Variable for 2 Years (our standard variable rate Minus 2.75% discounted) 8.24% 7.8% Annual Percentage Rate of Charge (APRC)1 View  
4013 2 Year Discounted Rate up to 95% loan to value £0 £0 5.49% Variable for 2 Years (our standard variable rate Minus 2.75% discounted) 8.24% 7.8% Annual Percentage Rate of Charge (APRC)1 View  

¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.

If you choose an interest only mortgage, you must have a clearly understood and credible repayment strategy in line with the Society’s responsible lending criteria.

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 residential property purchase):

The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your main residential property: A mortgage of £125,000.00 on a capital and interest (repayment) basis payable over 25 years initially on a discounted variable rate of 5.49% (equal to 2.75% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 8.24% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £318.75, followed by
24 monthly repayments of £763.48, followed by
276 monthly repayments of £964.83
The total amount payable would be £285,075.35 made up of the loan amount of £125,000.00 plus interest (£159,935.35), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 7.8% APRC representative. Please note: the example above is for a residential property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details. 

Existing Borrower Residential Fixed Rate Mortgages

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
4077 2 Year Fixed Rate up to 75% loan to value £0 £0 5.29% Fixed for 2 Years 8.24% 7.8% Annual Percentage Rate of Charge (APRC)1 View  
4078 2 Year Fixed Rate up to 75% loan to value £495 £0 5.10% Fixed for 2 Years 8.24% 7.7% Annual Percentage Rate of Charge (APRC)1 View  
4079 5 Year Fixed Rate up to 75% loan to value £0 £0 4.90% Fixed for 5 Years 8.24% 6.9% Annual Percentage Rate of Charge (APRC)1 View  
4080 5 Year Fixed Rate up to 75% loan to value £995 £0 4.75% Fixed for 5 Years 8.24% 6.8% Annual Percentage Rate of Charge (APRC)1 View  
4081 2 Year Fixed Rate up to 85% loan to value £0 £0 5.70% Fixed for 2 Years 8.24% 7.9% Annual Percentage Rate of Charge (APRC)1 View  
4082 2 Year Fixed Rate up to 85% loan to value £495 £0 5.45% Fixed for 2 Years 8.24% 7.8% Annual Percentage Rate of Charge (APRC)1 View  
4083 2 Year Fixed Rate up to 85% loan to value £995 £0 5.20% Fixed for 2 Years 8.24% 7.8% Annual Percentage Rate of Charge (APRC)1 View  
4116 5 Year Fixed Rate up to 85% loan to value £0 £0 5.00% Fixed for 5 Years 8.24% 6.9% Annual Percentage Rate of Charge (APRC)1 View  
4084 5 Year Fixed Rate up to 85% loan to value £995 £0 4.90% Fixed for 5 Years 8.24% 6.9% Annual Percentage Rate of Charge (APRC)1 View  
4085 5 Year Fixed Rate up to 85% loan to value £1495 £0 4.80% Fixed for 5 Years 8.24% 6.9% Annual Percentage Rate of Charge (APRC)1 View  
4086 2 Year Fixed Rate up to 95% loan to value £0 £0 5.80% Fixed for 2 Years 8.24% 7.9% Annual Percentage Rate of Charge (APRC)1 View  
4087 2 Year Fixed Rate up to 95% loan to value £495 £0 5.55% Fixed for 2 Years 8.24% 7.8% Annual Percentage Rate of Charge (APRC)1 View  
4088 2 Year Fixed Rate up to 95% loan to value £995 £0 5.30% Fixed for 2 Years 8.24% 7.8% Annual Percentage Rate of Charge (APRC)1 View  
4089 5 Year Fixed Rate up to 95% loan to value £0 £0 5.20% Fixed for 5 Years 8.24% 7.0% Annual Percentage Rate of Charge (APRC)1 View  
4117 5 Year Fixed Rate up to 95% loan to value £995 £0 5.00% Fixed for 5 Years 8.24% 6.9% Annual Percentage Rate of Charge (APRC)1 View  
4090 Residential Interest Only 2 Year Fixed Rate up to 75% loan to value £0 £0 5.60% Fixed for 2 Years 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
4091 Residential Interest Only 2 Year Fixed Rate up to 75% loan to value £495 £0 5.50% Fixed for 2 Years 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
4092 Residential Interest Only 2 Year Fixed Rate up to 75% loan to value £995 £0 5.40% Fixed for 2 Years 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
4093 Residential Interest Only 5 Year Fixed Rate up to 75% loan to value £0 £0 5.15% Fixed for 5 Years 8.24% 7.3% Annual Percentage Rate of Charge (APRC)1 View  
4094 Residential Interest Only 5 Year Fixed Rate up to 75% loan to value £995 £0 4.95% Fixed for 5 Years 8.24% 7.2% Annual Percentage Rate of Charge (APRC)1 View  
4095 Residential Interest Only 5 Year Fixed Rate up to 75% loan to value £1495 £0 4.90% Fixed for 5 Years 8.24% 7.2% Annual Percentage Rate of Charge (APRC)1 View  
4096 Residential Help to Buy 2 Year Fixed Rate up to 75% loan to value £0 £0 5.39% Fixed for 2 Years 8.24% 7.8% Annual Percentage Rate of Charge (APRC)1 View  
4097 Residential Help to Buy 5 Year Fixed Rate up to 75% loan to value £0 £0 5.00% Fixed for 5 Years 8.24% 6.9% Annual Percentage Rate of Charge (APRC)1 View  

¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.

If you choose an interest only mortgage, you must have a clearly understood and credible repayment strategy in line with the Society’s responsible lending criteria.

Representative Example (based on a residential property purchase):

The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your main residential property: A mortgage of £125,000.00 on a capital and interest (repayment) basis payable over 25 years initially on a fixed rate for 2 years fixed at 5.70% and then on our Standard Variable Rate (SVR) of 8.24% (variable) for the remaining 23 years you would pay:

1 monthly repayment of £19.47, followed by

24 monthly repayments of £779.03, followed by

276 monthly repayments of £966.00

The total amount payable would be £285,472.19 made up of the loan amount of £125,000.00 plus interest (£160,332.19), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 7.9% APRC representative. Please note: the example above is for a residential property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details.

Our range of BTL mortgages for existing borrowers

Existing Borrower Buy to Let Discounted Mortgages

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
2946 Buy to Let Standard 2 Year Discounted Rate up to 75% loan to value £0 £0 5.65% Variable for 2 Years (our standard variable rate Minus 2.59% discounted) 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
2984 Buy to Let Standard 2 Year Discounted Rate up to 75% loan to value £995 £0 5.50% Variable for 2 Years (our standard variable rate Minus 2.74% discounted) 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
2951 Buy to Let Regulated Family 2 Year Discounted Rate up to 75% loan to value £0 £0 5.75% Variable for 2 Years (our standard variable rate Minus 2.49% discounted) 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
2989 Buy to Let Regulated Family 2 Year Discounted Rate up to 75% loan to value £995 £0 5.60% Variable for 2 Years (our standard variable rate Minus 2.64% discounted) 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
2956 Buy to Let Portfolio 2 Year Discounted Rate up to 75% loan to value £0 £0 5.75% Variable for 2 Years (our standard variable rate Minus 2.49% discounted) 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
2994 Buy to Let Portfolio 2 Year Discounted Rate up to 75% loan to value £995 £0 5.60% Variable for 2 Years (our standard variable rate Minus 2.64% discounted) 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  

¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.

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 Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your investment property: A mortgage of £125,000.00 on an interest only basis payable over 25 years initially on a discounted variable rate of 5.65% (equal to 2.59% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 8.24% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £328.04, followed by
24 monthly repayments of £585.87, followed by
276 monthly repayments of £852.55
1 final payment of £125,000.00
The total amount payable would be £374,832.72 made up of the loan amount of £125,000.00 plus interest (£249,692.72), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 8.0% APRC representative.
Please note: the example above is for a non-portfolio investment property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details.

Existing Borrower Buy to Let Fixed Rate Mortgages

Product Product Fee Application Fee Initial Rate Reverting to standard variable rate currently Overall cost for comparison Terms and Conditions
4098 Buy to Let Standard 2 Year Fixed Rate up to 65% loan to value £0 £0 5.85% Fixed for 2 Years 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
4099 Buy to Let Standard 2 Year Fixed Rate up to 65% loan to value £995 £0 5.50% Fixed for 2 Years 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
4100 Buy to Let Standard 5 Year Fixed Rate up to 65% loan to value £0 £0 5.15% Fixed for 5 Years 8.24% 7.3% Annual Percentage Rate of Charge (APRC)1 View  
4101 Buy to Let Standard 5 Year Fixed Rate up to 65% loan to value £995 £0 4.99% Fixed for 5 Years 8.24% 7.3% Annual Percentage Rate of Charge (APRC)1 View  
4102 Buy to Let Standard 5 Year Fixed Rate up to 65% loan to value £1495 £0 4.91% Fixed for 5 Years 8.24% 7.2% Annual Percentage Rate of Charge (APRC)1 View  
4103 Buy to Let Standard 2 Year Fixed Rate up to 75% loan to value £0 £0 5.90% Fixed for 2 Years 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
4104 Buy to Let Standard 2 Year Fixed Rate up to 75% loan to value £995 £0 5.59% Fixed for 2 Years 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
4105 Buy to Let Standard 5 Year Fixed Rate up to 75% loan to value £0 £0 5.25% Fixed for 5 Years 8.24% 7.3% Annual Percentage Rate of Charge (APRC)1 View  
4106 Buy to Let Standard 5 Year Fixed Rate up to 75% loan to value £995 £0 5.05% Fixed for 5 Years 8.24% 7.3% Annual Percentage Rate of Charge (APRC)1 View  
4107 Buy to Let Standard 5 Year Fixed Rate up to 75% loan to value £1495 £0 4.95% Fixed for 5 Years 8.24% 7.3% Annual Percentage Rate of Charge (APRC)1 View  
4108 Buy to Let Regulated Family 2 Year Fixed Rate up to 75% loan to value £0 £0 6.00% Fixed for 2 Years 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
4109 Buy to Let Regulated Family 2 Year Fixed Rate up to 75% loan to value £995 £0 5.69% Fixed for 2 Years 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
4110 Buy to Let Regulated Family 5 Year Fixed Rate up to 75% loan to value £0 £0 5.35% Fixed for 5 Years 8.24% 7.4% Annual Percentage Rate of Charge (APRC)1 View  
4111 Buy to Let Regulated Family 5 Year Fixed Rate up to 75% loan to value £995 £0 5.15% Fixed for 5 Years 8.24% 7.3% Annual Percentage Rate of Charge (APRC)1 View  
4112 Buy to Let Portfolio 2 Year Fixed Rate up to 75% loan to value £0 £0 6.00% Fixed for 2 Years 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
4113 Buy to Let Portfolio 2 Year Fixed Rate up to 75% loan to value £995 £0 5.69% Fixed for 2 Years 8.24% 8.0% Annual Percentage Rate of Charge (APRC)1 View  
4114 Buy to Let Portfolio 5 Year Fixed Rate up to 75% loan to value £0 £0 5.35% Fixed for 5 Years 8.24% 7.4% Annual Percentage Rate of Charge (APRC)1 View  
4115 Buy to Let Portfolio 5 Year Fixed Rate up to 75% loan to value £995 £0 5.15% Fixed for 5 Years 8.24% 7.3% Annual Percentage Rate of Charge (APRC)1 View  

¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.

Representative Example (based on a Non-portfolio Investment Property purchase):

The Annual Percentage Rate of Charge (APRC) varies with the circumstances of each mortgage. Here is a representative example of a loan secured on your investment property: A mortgage of £125,000.00 on an interest only basis payable over 25 years initially on a fixed rate for 2 years fixed at 5.90% and then on our Standard Variable Rate (SVR) of 8.24% (variable) for the remaining 23 years you would pay:

1 monthly repayment of £20.15, followed by

24 monthly repayments of £611.67, followed by

276 monthly repayments of £852.64

1 final payment of £125,000.00

The total amount payable would be £375,168.87 made up of the loan amount of £125,000.00 plus interest (£250,028.87), a funds transfer fee of £20 and legal fee of £120. The overall cost for comparison is 8.0% APRC representative. Please note: the example above is for a non-portfolio investment property purchase only and assumes a payment date of 1st of the month. If you choose to pay your mortgage later in the month this will affect payments and could result in a higher APRC. For product transfers, re-arrangement and additional borrowing applications, certain fees do not apply. Please speak to your mortgage adviser for further details.