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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.

Retirement Interest Only (RIO) 5 Year Discounted Rate DRI001

Term 5 years
Initial Rate1 Currently 2.99%
Overall Cost For Comparison2 5.3% APRC
MAX LTV3 55% (age 65+), 40% (up to age 65)
Early Repayment Charge NIL
Product Fees £199 application fee, £800 completion fee

A mortgage of £80,000.00 payable over 40 years initially on a variable rate, currently 2.99% for 5 years and then on our current standard variable rate of 5.75% for the remaining 35 years would require 59 monthly payments of £199.33 and 420 monthly payments of £383.63; plus one initial interest payment of £137.62.

The total amount payable would be £254,706.69  made up of the loan amount, plus interest and fee(s) totalling £174,706.69. This includes Application Fee (£199), Valuation Fee (£160), Legal Fees (£350), Chaps Fee (£25), Completion Fee (£800) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.3% APRC representative.

Retirement Interest Only (RIO) 3 Year Fixed Rate XRI001

Term 3 years
Initial Rate1 3.35%
Overall Cost For Comparison2 5.6% APRC
MAX LTV3 55% (age 65+), 40% (up to age 65)
Early Repayment Charge 3%
Product Fees £199 application fee, £800 completion fee

A mortgage of £80,000.00 payable over 40 years initially on a fixed rate of 3.35% for 3 years and then on our current standard variable rate of 5.75% for the remaining 37 years would require 35 monthly payments of £223.33 and 444 monthly payments of £383.66; plus one initial interest payment of £154.19.

The total amount payable would be £259,999.78  made up of the loan amount, plus interest and fee(s) totalling £179,999.78. This includes Application Fee (£199), Valuation Fee (£160), Legal Fees (£350), Chaps Fee (£25), Completion Fee (£800) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.6% 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 £137,500.00 payable over 30 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 27 years would require 35 monthly payments of £680.57 and 324 monthly payments of £793.78 plus one initial interest payment of £500.99.

The total amount payable would be £282,434.66 made up of the loan amount, plus interest and fee(s) totalling £144,934.66. 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 £137,500.00 payable over 30 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 28 years would require 23 monthly payments of £664.54 and 336 monthly payments of £796.16 plus one initial interest payment of £477.63.

The total amount payable would be £284,200.81 made up of the loan amount, plus interest and fee(s) totalling £146,700.81. 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.

Family Assist 5 Year Fixed Rate – House Purchase Only – XFM001

Term 5 years
Initial Rate1 3.89%
Overall Cost For Comparison2 5.3% APRC
MAX LTV3 100%
Early Repayment Charge 3%
Product Fees £199 application fee, no completion fee

A mortgage of £152,000.00 payable over 33 years initially on a fixed rate of 3.89% for 5 years and then on our current standard variable rate of 5.75% for the remaining 28 years would require 59 monthly payments of £682.92 and 336 monthly payments of £837.10 plus one initial interest payment of £502.18.

The total amount payable would be £322,978.06 made up of the loan amount, plus interest and fee(s) totalling £170,978.06. This includes Application Fee (£199), Valuation Fee (£194), Legal Fees (£350), 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 £725,000.00 payable over 23 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 20 years would require 35 monthly payments of £3,871.62 and 240 monthly payments of £4,649.40 plus one initial interest payment of £2,210.55.

The total amount payable would be £1,258,695.25 made up of the loan amount, plus interest and fee(s) totalling £533,695.25. This includes Application Fee (£199), Valuation Fee (£868), Legal Fees (£255), Chaps Fee (£25), Completion Fee (£3,625) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.3% 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 £122,550 payable over 30 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 28 years would require 23 monthly payments of £554.60 and 336 monthly payments of £707.24 plus one initial interest payment of £369.50.

The total amount payable would be £251,386.94 made up of the loan amount, plus interest and fee(s) totalling £128,836.94. 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.

Family Assist 3 Year Discounted Rate – House Purchase Only – DFM001

Term 3 years
Initial Rate1 Currently 3.45%
Overall Cost For Comparison2 5.4% APRC
MAX LTV3 100%
Early Repayment Charge 3%
Product Fees £199 application fee, no completion fee

A mortgage of £152,000.00 payable over 33 years initially on a variable rate, currently 3.45% for 3 years and then on our current standard variable rate of 5.75% for the remaining 30 years would require 35 monthly payments of £644.30 and 360 monthly payments of £842.50 plus one initial interest payment of £445.38.

The total amount payable would be £327,213.88 made up of the loan amount, plus interest and fee(s) totalling £175,213.88. This includes Application Fee (£199), Valuation Fee (£194), Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.4% APRC representative.

3 Year Fixed Rate – DIX216

Term 3 Years
Initial Rate1 3.39%
Overall Cost For Comparison2 5.3% APRC
MAX LTV3 Over 80% and up to 90%
Early Repayment Charge 3%
Product Fees £199 application fee, £499 completion fee

A mortgage of £243,000.00 payable over 25 years initially on a fixed rate of 3.39% for 3 years and then on our current standard variable rate of 5.75% for the remaining 22 years would require 35 monthly payments of £1,204.78 and 264 monthly payments of £1,496.81 plus one initial interest payment of £699.64.

The total amount payable would be £439,152.78 made up of the loan amount, plus interest and fee(s) totalling £196,152.78. 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 5.3% APRC representative.

2 Year Fixed Rate – DIX214

Term 2 years
Initial Rate1 3.29%
Overall Cost For Comparison2 5.6% APRC
MAX LTV3 Over 80% and up to 90%
Early Repayment Charge 2%
Product Fees £199 application fee, £999 completion fee

A mortgage of £170,000.00 payable over 30 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 28 years would require 23 monthly payments of £744.80 and 336 monthly payments of £979.42 plus one initial interest payment of £475.02.

The total amount payable would be £348,318.54 made up of the loan amount, plus interest and fee(s) totalling £178,318.54. 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 5.6% APRC representative.

3 Year Fixed Rate – DIX217

Term 3 years
Initial Rate1 3.29%
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 £92,500.00 payable over 35 years initially on a fixed rate of 3.29% 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 £371.60 and 384 monthly payments of £502.64 plus one initial interest payment of £258.47.

The total amount payable would be £207,406.23 made up of the loan amount, plus interest and fee(s) totalling £114,906.23. 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.

Help to Buy Equity Loan Scheme 3 Year Discounted Rate – SEOD08

Term 3 years
Initial Rate1 Currently 3.15%
Overall Cost For Comparison2 5.4% APRC
MAX LTV3 75%
Early Repayment Charge 3%
Product Fees £199 application fee, £800 completion fee

A mortgage of £124,496.00 payable over 35 years initially on a variable rate, currently 3.15% 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 £490.25 and 384 monthly payments of £675.61 plus one initial interest payment of £333.07.

The total amount payable would be £278,644.06 made up of the loan amount, plus interest and fee(s) totalling £154,148.06. This includes Application Fee (£199), Valuation Fee (£194), Legal Fees (£350), Chaps Fee (£25), Completion Fee (£800) 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 5.2% APRC
MAX LTV3 Over 80% and up to 90%
Early Repayment Charge 3%
Product Fees £499 completion fee

A mortgage of £243,000.00 payable over 25 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 22 years would require 35 monthly payments of £1,153.66 and 264 monthly payments of £1,490.26 plus one initial interest payment of £617.09.

The total amount payable would be £435,352.83 made up of the loan amount, plus interest and fee(s) totalling £192,352.83. This includes Legal Fees (£255), Chaps Fee (£25), Completion Fee (£499) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.2% APRC representative.

2 Year Fixed Rate – DIX215

Term 2 years
Initial Rate1 2.79%
Overall Cost For Comparison2 5.6% APRC
MAX LTV3 80%
Early Repayment Charge 2%
Product Fees £199 application fee, £999 completion fee

A mortgage of £72,500.00 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 £270.97 and 396 monthly payments of £395.36 plus one initial interest payment of £171.80.

The total amount payable would be £164,594.67 made up of the loan amount, plus interest and fee(s) totalling £92,094.67. 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 5.6% APRC representative.

3 Year Discounted Rate – House Purchase Only – DID123

Term 3 years
Initial Rate1 Currently 2.75%
Overall Cost For Comparison2 5.2% APRC
MAX LTV3 Over 80% and up to 90%
Early Repayment Charge 3%
Product Fees £499 completion fee

A mortgage of £225,000 payable over 33 years initially on a variable rate, currently 2.75% for 3 years and then on our current standard variable rate of 5.75% for the remaining 30 years would require 35 monthly payments of £866.42 and 360 monthly payments of £1,238.46 plus one initial interest payment of £525.51.

The total amount payable would be £477,624.81 made up of the loan amount, plus interest and fee(s) totalling £252,624.81. This includes Legal Fees (£255), Chaps Fee (£25), Completion Fee (£499) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.2% 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 £97,850.00 payable over 24 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 22 years would require 23 monthly payments of £460.68 and 264 monthly payments of £615.46 plus one initial interest payment of £220.23.

The total amount payable would be £174,226.31 made up of the loan amount, plus interest and fee(s) totalling £76,376.31. 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 Fixed Rate – House Purchase Only – DIX190

Term 3 years
Initial Rate1 2.59%
Overall Cost For Comparison2 5.0% APRC
MAX LTV3 80%
Early Repayment Charge 3%
Product Fees £499 completion fee

A mortgage of £116,800.00 payable over 21 years initially on a fixed rate of 2.59% for 3 years and then on our current standard variable rate of 5.75% for the remaining 18 years would require 35 monthly payments of £603.20 and 216 monthly payments of £774.27 plus one initial interest payment of £256.93.

The total amount payable would be £189,540.25 made up of the loan amount, plus interest and fee(s) totalling £72,740.25. This includes Legal Fees (£255), Chaps Fee (£25), Completion Fee (£499) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.0% APRC representative.

3 Year Discounted Rate – House Purchase Only – DID122

Term 3 Years
Initial Rate1 Currently 2.45%
Overall Cost For Comparison2 5.1% APRC
MAX LTV3 80%
Early Repayment Charge 3%
Product Fees £499 completion fee

A mortgage of £169,600 payable over 30 years initially on a variable rate, currently 2.45% 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 £666.98 and 324 monthly payments of £961.20 plus one initial interest payment of £352.91.

The total amount payable would be £336,055.01 made up of the loan amount, plus interest and fee(s) totalling £166,455.01. This includes Legal Fees (£255), Chaps Fee (£25), Completion Fee (£499) and Redemption Administration Fee (£150).

The overall cost for comparison is 5.1% 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 £169,600 payable over 30 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 27 years would require 35 monthly payments of £632.40 and 324 monthly payments of £956.79 plus one initial interest payment of £295.29.

The total amount payable would be £333,358.25 made up of the loan amount, plus interest and fee(s) totalling £163,758.25. 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 5.0% 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.

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