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
| Product | Product Fee | Application Fee | Initial Rate | Reverting to standard variable rate currently | Overall cost for comparison | Terms and Conditions |
| 2 Year Fixed Rate up to 60% loan to value (6175) | £0 | £0 | 5.23% Fixed for 2 Years | 7.34% | 7.0% Annual Percentage Rate of Charge (APRC)1 | View |
| 2 Year Fixed Rate up to 60% loan to value (6176) | £995 | £0 | 4.86% Fixed for 2 Years | 7.34% | 7.0% Annual Percentage Rate of Charge (APRC)1 | View |
| 5 year Fixed Rate up to 60% loan to value (6177) | £0 | £0 | 5.11% Fixed for 5 Years | 7.34% | 6.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 5 year Fixed Rate up to 60% loan to value (6142) | £995 | £0 | 4.88% Fixed for 5 Years | 7.34% | 6.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 5 year Fixed Rate up to 60% loan to value (6143) | £1495 | £0 | 4.83% Fixed for 5 Years | 7.34% | 6.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 2 Year Fixed Rate up to 75% loan to value (6178) | £0 | £0 | 5.27% Fixed for 2 Years | 7.34% | 7.0% Annual Percentage Rate of Charge (APRC)1 | View |
| 2 Year Fixed Rate up to 75% loan to value (6145) | £995 | £0 | 5.02% Fixed for 2 Years | 7.34% | 7.0% Annual Percentage Rate of Charge (APRC)1 | View |
| 5 Year Fixed Rate up to 75% loan to value (6179) | £0 | £0 | 5.19% Fixed for 5 Years | 7.34% | 6.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 5 Year Fixed Rate up to 75% loan to value (6147) | £995 | £0 | 4.99% Fixed for 5 Years | 7.34% | 6.4% Annual Percentage Rate of Charge (APRC)1 | View |
| 2 Year Fixed Rate up to 85% loan to value (6148) | £0 | £0 | 5.40% Fixed for 2 Years | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| 2 Year Fixed Rate up to 85% loan to value (6180) | £995 | £0 | 5.18% Fixed for 2 Years | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| 5 year Fixed Rate up to 85% loan to value (6150) | £0 | £0 | 5.26% Fixed for 5 Years | 7.34% | 6.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 5 Year Fixed Rate up to 85% loan to value (6181) | £995 | £0 | 5.20% Fixed for 5 Years | 7.34% | 6.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 5 Year Fixed Rate up to 85% loan to value (6152) | £1495 | £0 | 5.04% Fixed for 5 Years | 7.34% | 6.5% Annual Percentage Rate of Charge (APRC)1 | View |
| 2 Year Fixed Rate up to 95% loan to value (6182) | £0 | £0 | 5.66% Fixed for 2 Years | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| 2 Year Fixed Rate up to 95% loan to value (6183) | £995 | £0 | 5.35% Fixed for 2 Years | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| 5 year Fixed Rate up to 95% loan to value (6184) | £0 | £0 | 5.49% Fixed for 5 Years | 7.34% | 6.6% Annual Percentage Rate of Charge (APRC)1 | View |
| 5 Year Fixed Rate up to 95% loan to value (6185) | £995 | £0 | 5.32% Fixed for 5 Years | 7.34% | 6.6% Annual Percentage Rate of Charge (APRC)1 | View |
| Residential Help to Buy 2 Year Fixed Rate up to 75% loan to value (6160) | £0 | £0 | 5.63% Fixed for 2 Years | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Residential Help to Buy 5 Year Fixed Rate up to 75% loan to value (6161) | £0 | £0 | 5.55% Fixed for 5 Years | 7.34% | 6.6% Annual Percentage Rate of Charge (APRC)1 | View |
| Residential Interest Only 2 Year Fixed Rate up to 75% loan to value (6186) | £0 | £0 | 5.32% Fixed for 2 Years | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Residential Interest Only 2 Year Fixed Rate up to 75% loan to value (6187) | £995 | £0 | 5.12% Fixed for 2 Years | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Residential Interest Only 5 year Fixed Rate up to 75% loan to value (6188) | £0 | £0 | 5.18% Fixed for 5 Years | 7.34% | 6.7% Annual Percentage Rate of Charge (APRC)1 | View |
| Residential Interest Only 5 year Fixed Rate up to 75% loan to value (6189) | £995 | £0 | 5.06% Fixed for 5 Years | 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.
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 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 £125,000.00 on a capital and interest (repayment) basis payable over 25 years initially on a fixed rate for 2 years fixed at 5.66% and then on our Standard Variable Rate (SVR) of 7.34% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £19.38, followed by
24 monthly repayments of £776.06, followed by
276 monthly repayments of £897.61
The total amount payable would be £266,530.18 made up of the loan amount of £125,000.00 plus interest (£141,385.18), a funds transfer fee of £25 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 |
| 2 Year Discounted Rate up to 75% loan to value (4831) | £0 | £0 | 4.29% Variable for 2 Years (our standard variable rate Minus 3.05% discounted) | 7.34% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| 2 Year Discounted Rate up to 85% loan to value (4832) | £495 | £0 | 4.56% Variable for 2 Years (our standard variable rate Minus 2.78% discounted) | 7.34% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| 2 Year Discounted Rate up to 85% loan to value (4833) | £995 | £0 | 4.34% Variable for 2 Years (our standard variable rate Minus 3.00% discounted) | 7.34% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| 2 Year Discounted Rate up to 95% loan to value (4834) | £0 | £0 | 4.74% Variable for 2 Years (our standard variable rate Minus 2.60% discounted) | 7.34% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| Residential Help to Buy 2 Year Discounted Rate up to 75% loan to value (4836) | £0 | £0 | 4.39% Variable for 2 Years (our standard variable rate Minus 2.95% discounted) | 7.34% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| Residential Interest Only 2 Year Discounted Rate up to 75% loan to value (4789) | £0 | £0 | 4.59% Variable for 2 Years (our standard variable rate Minus 2.75% discounted) | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Residential Interest Only 2 Year Discounted Rate up to 75% loan to value (4835) | £995 | £0 | 4.30% Variable for 2 Years (our standard variable rate Minus 3.04% discounted) | 7.34% | 7.1% 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 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 £125,000.00 on a capital and interest (repayment) basis payable over 25 years initially on a discounted variable rate of 4.74% (equal to 2.60% 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 £275.96, followed by
24 monthly repayments of £709.22, followed by
276 monthly repayments of £892.55
The total amount payable would be £263,781.04 made up of the loan amount of £125,000.00 plus interest (£138,641.04), a funds transfer fee of £25 and legal fee of £120.
The overall cost for comparison is 6.9% 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 65% loan to value (6190) | £0 | £0 | 5.20% Fixed for 2 Years | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Standard 2 Year Fixed Rate up to 65% loan to value (6191) | £995 | £0 | 5.00% Fixed for 2 Years | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Standard 2 Year Fixed Rate up to 65% loan to value (6192) | £1495 | £0 | 4.81% Fixed for 2 Years | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Standard 5 year Fixed Rate up to 65% loan to value (6193) | £0 | £0 | 5.06% Fixed for 5 Years | 7.34% | 6.7% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Standard 5 year Fixed Rate up to 65% loan to value (6194) | £995 | £0 | 4.90% Fixed for 5 Years | 7.34% | 6.7% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Standard 5 year Fixed Rate up to 65% loan to value (6195) | £1495 | £0 | 4.88% Fixed for 5 Years | 7.34% | 6.7% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Standard 2 Year Fixed Rate up to 75% loan to value (6196) | £0 | £0 | 5.47% Fixed for 2 Years | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Standard 2 Year Fixed Rate up to 75% loan to value (6197) | £995 | £0 | 5.22% Fixed for 2 Years | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Standard 2 Year Fixed Rate up to 75% loan to value (6198) | £1495 | £0 | 4.97% Fixed for 2 Years | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Standard 5 year Fixed Rate up to 75% loan to value (6199) | £0 | £0 | 5.23% Fixed for 5 Years | 7.34% | 6.7% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Standard 5 year Fixed Rate up to 75% loan to value (6200) | £995 | £0 | 5.15% Fixed for 5 Years | 7.34% | 6.7% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Standard 5 year Fixed Rate up to 75% loan to value (6201) | £1495 | £0 | 5.08% Fixed for 5 Years | 7.34% | 6.7% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Regulated Family 2 Year Fixed Rate up to 75% loan to value (6202) | £0 | £0 | 5.61% Fixed for 2 Years | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Regulated Family 2 Year Fixed Rate up to 75% loan to value (6203) | £995 | £0 | 5.48% Fixed for 2 Years | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Regulated Family 5 year Fixed Rate up to 75% loan to value (6204) | £0 | £0 | 5.46% Fixed for 5 Years | 7.34% | 6.8% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Regulated Family 5 year Fixed Rate up to 75% loan to value (6205) | £995 | £0 | 5.38% Fixed for 5 Years | 7.34% | 6.8% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Portfolio 2 Year Fixed Rate up to 75% loan to value (6206) | £0 | £0 | 5.61% Fixed for 2 Years | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Portfolio 2 Year Fixed Rate up to 75% loan to value (6207) | £995 | £0 | 5.48% Fixed for 2 Years | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Portfolio 5 year Fixed Rate up to 75% loan to value (6208) | £0 | £0 | 5.46% Fixed for 5 Years | 7.34% | 6.8% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Portfolio 5 year Fixed Rate up to 75% loan to value (6209) | £995 | £0 | 5.38% Fixed for 5 Years | 7.34% | 6.8% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Holiday Let 2 Year Fixed Rate up to 75% loan to value (6210) | £0 | £0 | 5.84% Fixed for 2 Years | 7.34% | 7.3% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Holiday Let 2 Year Fixed Rate up to 75% loan to value (6096) | £995 | £0 | 5.46% Fixed for 2 Years | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Holiday Let 5 year Fixed Rate up to 75% loan to value (6211) | £0 | £0 | 5.70% Fixed for 5 Years | 7.34% | 6.9% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Holiday Let 5 year Fixed Rate up to 75% loan to value (6097) | £995 | £0 | 5.35% Fixed for 5 Years | 7.34% | 6.8% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Ltd Co BTL 2 Year Fixed Rate up to 75% loan to value (6212) | £0 | £0 | 5.78% Fixed for 2 Years | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Ltd Co BTL 2 Year Fixed Rate up to 75% loan to value (6213) | £1495 | £0 | 5.44% Fixed for 2 Years | 7.34% | 7.2% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Ltd Co BTL 5 year Fixed Rate up to 75% loan to value (6214) | £0 | £0 | 5.51% Fixed for 5 Years | 7.34% | 6.8% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Ltd Co BTL 5 year Fixed Rate up to 75% loan to value (6215) | £1495 | £0 | 5.39% Fixed for 5 Years | 7.34% | 6.8% Annual Percentage Rate of Charge (APRC)1 | View |
¹ The actual rate available will depend upon your circumstances, please ask for a personalised illustration.
Representative Example:
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 £125,000.00 on an interest only basis payable over 25 years initially on a fixed rate for 2 years fixed at 5.47% and then on our Standard Variable Rate (SVR) of 7.34% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £18.73, followed by
24 monthly repayments of £567.29, followed by
276 monthly repayments of £760.12
1 final repayment of £125,000.00
The total amount payable would be £348,571.81 made up of the loan amount of £125,000.00 plus interest (£223,426.81), a funds transfer fee of £25 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.
| 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 (4857) | £0 | £0 | 4.75% Variable for 2 Years (our standard variable rate Minus 2.59% discounted) | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Standard 2 Year Discounted Rate up to 75% loan to value (4858) | £995 | £0 | 4.60% Variable for 2 Years (our standard variable rate Minus 2.74% discounted) | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Regulated Family 2 Year Discounted Rate up to 75% loan to value (4859) | £0 | £0 | 4.85% Variable for 2 Years (our standard variable rate Minus 2.49% discounted) | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Regulated Family 2 Year Discounted Rate up to 75% loan to value (4860) | £995 | £0 | 4.70% Variable for 2 Years (our standard variable rate Minus 2.64% discounted) | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Portfolio 2 Year Discounted Rate up to 75% loan to value (4861) | £0 | £0 | 4.85% Variable for 2 Years (our standard variable rate Minus 2.49% discounted) | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Portfolio 2 Year Discounted Rate up to 75% loan to value (4862) | £995 | £0 | 4.70% Variable for 2 Years (our standard variable rate Minus 2.64% discounted) | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Holiday Let 2 Year Discounted Rate up to 75% loan to value (4863) | £0 | £0 | 4.90% Variable for 2 Years (our standard variable rate Minus 2.44% discounted) | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Holiday Let 2 Year Discounted Rate up to 75% loan to value (4864) | £995 | £0 | 4.80% Variable for 2 Years (our standard variable rate Minus 2.54% discounted) | 7.34% | 7.1% Annual Percentage Rate of Charge (APRC)1 | View |
| Buy to Let Ltd Co BTL 2 Year Discounted Rate up to 75% loan to value (4865) | £0 | £0 | 5.30% Variable for 2 Years (our standard variable rate Minus 2.04% 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 (4866) | £1995 | £0 | 4.90% Variable for 2 Years (our standard variable rate Minus 2.44% 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.
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 £125,000.00 on an interest only basis payable over 25 years initially on a discounted variable rate of 4.75% (equal to 2.59% discount off our Standard Variable Rate) for 2 years and then on our Standard Variable Rate (SVR) of 7.34% (variable) for the remaining 23 years you would pay:
1 monthly repayment of £276.54, followed by
24 monthly repayments of £492.90, followed by
276 monthly repayments of £760.05
1 final repayment of £125,000.00
The total amount payable would be £347,019.94 made up of the loan amount of £125,000.00 plus interest (£221,879.94), a funds transfer fee of £25 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.
