We have 13 products available

As a mutual building society, we’ve been helping people to move home since 1870. All of our mortgages are individually assessed by expert staff and together with the dedicated support of our qualified advisers, you will receive a high level of personal service throughout.

Below are products available for house purchase. You can compare our full range of mortgage products online or contact our sales team for further help and advice.

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2 Year Discounted Rate – DID139

Term 2 years
Initial Rate1 Currently 1.99%
Overall Cost For Comparison2 4.3% APRC
MAX LTV3 80%
Early Repayment Charge 2%
Product Fees £199 application fee, £300 completion fee

A mortgage of £368,000 payable over 9 years initially on a variable rate, currently 1.99% for 2 years and then on our current standard variable rate of 5.75% for the remaining 7 years would require 23 monthly payments of £3,756.25 and 84 monthly payments of £4,264.38 plus one initial interest payment of £601.91.

The total amount payable would be £446,132.58 made up of the loan amount, plus interest and fee(s) totalling £78,132.58. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£300) and Redemption Administration Fee (£150).

The overall cost for comparison is 4.3% APRC representative.

3 Year Fixed Rate – House Purchase Only – DIX213

Term 3 years
Initial Rate1 4.29%
Overall Cost For Comparison2 5.6% APRC
MAX LTV3 Over 90% and up to 95%
Early Repayment Charge 3%
Product Fees £199 application fee, £300 completion fee

A mortgage of £104,500.00 payable over 35 years initially on a fixed rate of 4.29% for 3 years and then on our current standard variable rate of 5.75% for the remaining 32 years would require 35 monthly payments of £481.55 and 384 monthly payments of £572.89; plus one initial interest payment of £368.47.

The total amount payable would be £238,141.48 made up of the loan amount, plus interest and fee(s) totalling £133,641.48. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£300) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.6% APRC representative.

2 Year Fixed Rate – House Purchase Only – DIX212

Term 2 years
Initial Rate1 4.09%
Overall Cost For Comparison2 5.7% APRC
MAX LTV3 Over 90% and up to 95%
Early Repayment Charge 2%
Product Fees £199 application fee, £300 completion fee

A mortgage of £127,300.00 payable over 35 years initially on a fixed rate of 4.09% for 2 years and then on our current standard variable rate of 5.75% for the remaining 33 years would require 23 monthly payments of £571.16 and 396 monthly payments of £699.69; plus one initial interest payment of £427.94.

The total amount payable would be £291,570.86 made up of the loan amount, plus interest and fee(s) totalling £164,270.86. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£300) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.7% APRC representative.

5 Year Fixed Rate – House Purchase Only – DIX205

Term 5 years
Initial Rate1 3.99%
Overall Cost For Comparison2 5.3% APRC
MAX LTV3 95%
Early Repayment Charge 3%
Product Fees None

A mortgage of £114,000.00 payable over 35 years initially on a fixed rate of 3.99% for 5 years and then on our current standard variable rate of 5.75% for the remaining 30 years would require 59 monthly payments of £504.63 and 360 monthly payments of £617.64; plus one initial interest payment of £373.86.

The total amount payable would be £252,927.43 made up of the loan amount, plus interest and fee(s) totalling £138,927.43. This includes Legal Fees (£255), Chaps Fee (£25) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.3% APRC representative.

3 Year Discounted Rate – MPD002

Term 3 years
Initial Rate1 Currently 3.59%
Overall Cost For Comparison2 5.3% APRC
MAX LTV3 70%
Early Repayment Charge 3%
Product Fees £199 application fee, 0.50% completion fee

A mortgage of £472,500 payable over 14 years initially on a variable rate, currently 3.59% for 3 years and then on our current standard variable rate of 5.75% for the remaining 11 years would require 35 monthly payments of £3,598.87 and 132 monthly payments of £4,014.20 plus one initial interest payment of £1,394.20.

The total amount payable would be £660,731.55 made up of the loan amount, plus interest and fee(s) totalling £188,231.55. This includes Application Fee (£199), Valuation Fee (£511), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£2,362.50) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.1% APRC representative.

2 Year Discounted Rate – House Purchase Only – DID135

Term 2 years
Initial Rate1 Currently 3.55%
Overall Cost For Comparison2 5.6% APRC
MAX LTV3 Over 90% and up to 95%
Early Repayment Charge 2%
Product Fees £199 application fee

A mortgage of £127,300 payable over 35 years initially on a variable rate, currently 3.55% for 2 years and then on our current standard variable rate of 5.75% for the remaining 33 years would require 23 monthly payments of £530.45 and 396 monthly payments of £697.55 plus one initial interest payment of £371.44.

The total amount payable would be £289,430.59 made up of the loan amount, plus interest and fee(s) totalling £162,130.59. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.6% APRC representative.

3 Year Fixed Rate – DIX219

Term 3 Years
Initial Rate1 3.89%
Overall Cost For Comparison2 5.5% APRC
MAX LTV3 Over 80% and up to 90%
Early Repayment Charge 3%
Product Fees £199 application fee, £499 completion fee

A mortgage of £114,750 payable over 30 years initially on a fixed rate of 3.89% for 3 years and then on our current standard variable rate of 5.75% for the remaining 27 years would require 35 monthly payments of £541.38 and 324 monthly payments of £660.11 plus one initial interest payment of £366.89.

The total amount payable would be £234,318.83 made up of the loan amount, plus interest and fee(s) totalling £119,568.83. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£499) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.5% APRC representative.

2 Year Fixed Rate – DIX214

Term 2 years
Initial Rate1 3.29%
Overall Cost For Comparison2 5.4% APRC
MAX LTV3 Over 80% and up to 90%
Early Repayment Charge 2%
Product Fees £199 application fee, £999 completion fee

A mortgage of £184,600.00 payable over 17 years initially on a fixed rate of 3.29% for 2 years and then on our current standard variable rate of 5.75% for the remaining 15 years would require 23 monthly payments of £1,186.98 and 180 monthly payments of £1,398.95; plus one initial interest payment of £499.18.

The total amount payable would be £281,238.72 made up of the loan amount, plus interest and fee(s) totalling £96,638.72. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.4% APRC representative.

3 Year Fixed Rate – DIX218

Term 3 years
Initial Rate1 3.49%
Overall Cost For Comparison2 5.4% APRC
MAX LTV3 80%
Early Repayment Charge 3%
Product Fees £199 application fee, £499 completion fee

A mortgage of £127,870 payable over 31 years initially on a fixed rate of 3.49% for 3 years and then on our current standard variable rate of 5.75% for the remaining 28 years would require 35 monthly payments of £563.87 and 336 monthly payments of £724.21 plus one initial interest payment of £366.79.

The total amount payable would be £264,564.80 made up of the loan amount, plus interest and fee(s) totalling £136,694.80. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£499) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.4% APRC representative.

3 Year Fixed Rate – House Purchase Only – DIX191

Term 3 years
Initial Rate1 2.99%
Overall Cost For Comparison2 5.3% APRC
MAX LTV3 Over 80% and up to 90%
Early Repayment Charge 3%
Product Fees £499 completion fee

A mortgage of £114,750.00 payable over 30 years initially on a fixed rate of 2.99% for 3 years and then on our current standard variable rate of 5.75% for the remaining 27 years would require 35 monthly payments of £484.00 and 324 monthly payments of £654.22; plus one initial interest payment of £282.00.

The total amount payable would be £230,118.28 made up of the loan amount, plus interest and fee(s) totalling £115,368.28. This includes Legal Fees (£255), Chaps Fee (£25), Completion Fee (£499) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.3% APRC representative.

2 Year Fixed Rate – DIX215

Term 2 years
Initial Rate1 2.79%
Overall Cost For Comparison2 5.5% APRC
MAX LTV3 80%
Early Repayment Charge 2%
Product Fees £199 application fee, £999 completion fee

A mortgage of £248,000.00 payable over 35 years initially on a fixed rate of 2.79% for 2 years and then on our current standard variable rate of 5.75% for the remaining 33 years would require 23 monthly payments of £926.91 and 396 monthly payments of £1,352.48; plus one initial interest payment of £568.70.

The total amount payable would be £559,097.71 made up of the loan amount, plus interest and fee(s) totalling £311,097.71. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£999) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.5% APRC representative.

2 Year Discounted Rate – DID136

Term 2 years
Initial Rate1 Currently 2.65%
Overall Cost For Comparison2 5.4% APRC
MAX LTV3 Over 80% and up to 90% LTV
Early Repayment Charge 2%
Product Fees £199 application fee, £300 completion fee

A mortgage of £157,000 payable over 28 years initially on a variable rate, currently 2.65% for 2 years and then on our current standard variable rate of 5.75% for the remaining 26 years would require 23 monthly payments of £663.69 and 312 monthly payments of £924.60 plus one initial interest payment of £341.96.

The total amount payable would be £305,011.03 made up of the loan amount, plus interest and fee(s) totalling £148,011.03. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£300) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.4% APRC representative.

3 Year Discounted Rate – DID138

Term 3 years
Initial Rate1 Currently 2.05%
Overall Cost For Comparison2 5.0% APRC
MAX LTV3 80%
Early Repayment Charge 3%
Product Fees £199 application fee, £300 completion fee

A mortgage of £60,000 payable over 20 years initially on a variable rate, currently 2.05% for 3 years and then on our current standard variable rate of 5.75% for the remaining 17 years would require 35 monthly payments of £305.99 and 204 monthly payments of £405.17 plus one initial interest payment of £101.10.

The total amount payable would be £94,394.43 made up of the loan amount, plus interest and fee(s) totalling £34,394.43. This includes Application Fee (£199), Legal Fees (£255), Chaps Fee (£25). Completion Fee (£300) and Redemption Administration Fee (£150).

The overall cost for comparison is 4.9% APRC representative.

1. Initial Rate

The Initial Rate is the rate available during the initial term of the mortgage. Once the initial rate term has expired, the mortgage will revert to our Standard Variable Rate (SVR). Our SVR is set by us and is currently 5.75%, as a variable rate it may go up or down.

2. Overall Cost for Comparison

The Overall Cost for Comparison is given as the Annual Percentage Rate of Charge (APRC) and includes all charges incurred relating to the mortgage. The APRC is intended to help you as a borrower compare the interest rates on different products.

3. Max LTV

Like all other mortgage lenders, we will allow you to borrow against a proportion of the overall property value. This is known as Loan to Value (LTV) and is expressed as a percentage. For example, if you want to purchase a property at £100,000 and you would like to borrow £85,000, then you will need a mortgage available at 85% Loan to Value (LTV). The available LTV can vary depending upon the type of mortgage. Shared Ownership mortgages will offer two percentages under LTV - the proportion of the property value and the proportion of the share being purchased.

Your home may be repossessed if you do not keep up repayments on your mortgage

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