2 Year Shared Ownership Fixed Rate Mortgages

Initial fixed rate up to and inc. 31/08/21Then the Society's SVR less 1.25% discount up to and inc. 31/08/24, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVBorrower share availableProduct Fee
2.84% 4.44%5.69%5.1%75%85%£999 View
Max loan amount £500,000
2.94% 4.44%5.69%5.1%75%90%£999 View
Max loan amount £500,000
3.19% 4.44%5.69%5.1%75%85%£0 View
Max loan amount £500,000
3.29% 4.44%5.69%5.1%75%90%£0 View
Max loan amount £500,000
3.59% 4.44%5.69%5.2%75%95%£999 View
Max loan amount £500,000
3.94% 4.44%5.69%5.2%75%95%£0 View
Max loan amount £500,000

Cashback 2 Year Shared Ownership Fixed Rate Mortgages

Initial fixed rate up to and inc. 31/08/21Then the Society's SVR less 1.25% discount up to and inc. 31/08/24, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVBorrower share availableProduct Fee
3.39% 4.44%5.69%5.1%75%85%£0 View
Max loan amount £500,000 / Min loan amount £50,000 / £500 Cashback upon completion
3.49% 4.44%5.69%5.2%75%90%£0 View
Max loan amount £500,000 / Min loan amount £50,000 / £500 Cashback upon completion
RATES CORRECT AS AT 24 may 2019

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

Representative Example

A mortgage of £90,000.00 payable over 25 years initially on a fixed rate for 2 years at 3.49% and then a 1.25% discount on our current Standard Variable Rate of 5.69% for 3 years and then on our current Standard Variable Rate of 5.69% for the remaining 20 years would require 24 monthly payments of £449.68, 36 monthly payments of £493.45 and 240 monthly payments of £547.67.

The total amount payable would be £160,032.90 made up of the loan amount plus interest of £69,997.90 and application fee £0, product fee £0, valuation fee £0, chaps fee £35.

The overall cost for comparisons is 5.2% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

Unless otherwise indicated, these products are only available for house purchases or for customers remortgaging from another lender. A product fee is payable on application but is refundable should the mortgage not complete. A mortgage exit fee of £199 will apply.

  • Tapered Early Repayment Charges apply up to and including 31 August 2021.
  • Free standard valuation up to £999.
  • Interest calculated daily.
  • Maximum loan £500,000.
  • These products are not available to interest only applications.
  • These products are not portable and are not available in Scotland.

3 Year Shared Ownership Fixed Rate Mortgages

Initial fixed rate up to and inc. 31/08/22Then the Society's SVR less 1.25% discount up to and inc. 31/08/24, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVBorrower share availableProduct Fee
3.39% 4.44%5.69%5.0%75%85%£0 View
Max loan amount £500,000
3.49% 4.44%5.69%5.1%75%90%£0 View
Max loan amount £500,000
3.99% 4.44%5.69%5.2%75%95%£0 View
Max loan amount £500,000
RATES CORRECT AS AT 24 may 2019

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

Representative Example

A mortgage of £90,000.00 payable over 25 years initially on a fixed rate for 3 years at 3.99% and then a 1.25% discount on our current Standard Variable Rate of 5.69% for 2 years and then on our current Standard Variable Rate of 5.69% for the remaining 20 years would require 36 monthly payments of £474.11, 24 monthly payments of £494.43 and 240 monthly payments of £548.76.

The total amount payable would be £160,671.68 made up of the loan amount plus interest of £70,636.68 and application fee £0, product fee £0, valuation fee £0, chaps fee £35.

The overall cost for comparisons is 5.2% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

Unless otherwise indicated, these products are only available for house purchases or for customers remortgaging from another lender. A product fee is payable on application but is refundable should the mortgage not complete. A mortgage exit fee of £199 will apply.

  • Tapered Early Repayment Charges apply up to and including 31 August 2022.
  • Free standard valuation up to £999.
  • Maximum loan of £500,000.
  • Interest calculated daily.
  • These products are not available to interest only applications.
  • These products are not portable and are not available in Scotland.

5 Year Shared Ownership Fixed Rate Mortgages

Initial fixed rate up to and inc. 31/08/24Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVBorrower share availableProduct Fee
3.89% 5.69%5.0%75%85%£0 View
Max loan amount £500,000
3.99% 5.69%5.1%75%90%£0 View
Max loan amount £500,000
4.54% 5.69%5.3%75%95%£0 View
Max loan amount £500,000
RATES CORRECT AS AT 24 may 2019

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

Representative Example

A mortgage of £90,000.00 payable over 25 years initially on a fixed rate for 5 years at 4.54% and then on our current Standard Variable Rate of 5.69% (variable) for the remaining 20 years would require 60 monthly payments of £501.80 and 240 monthly payments of £552.22.

The total amount payable would be £162,674.82 made up of the loan amount plus interest of £72,639.82 and application fee £0, product fee £0, valuation fee £0, chaps fee £35.

The overall cost for comparison is 5.3% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

Unless otherwise indicated, these products are only available for house purchases or for customers remortgaging from another lender. A product fee is payable on application but is refundable should the mortgage not complete. A mortgage exit fee of £199 will apply.

  • Tapered Early Repayment Charges apply up to and including 31 August 2024.
  • Free standard valuation up to £999.
  • Maximum loan of £500,000.
  • Interest calculated daily.
  • These products are not available to interest only applications.
  • These products are not portable and are not available in Scotland.

2 Year Shared Equity Fixed Rate Mortgages

Initial fixed rate up to and inc. 31/08/21Then the Society's SVR less 1.25% up to and inc. 31/08/24, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
2.99% 4.44%5.69%5.1%95%£0 View
Max loan amount £500,000
RATES CORRECT AS AT 24 may 2019

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

Representative Example

A mortgage of £100,000.00 payable over 25 years initially on a fixed rate for 2 years at 2.99% and then a 1.25% discount on our current Standard Variable Rate of 5.69% for 3 years and then on our current Standard Variable Rate of 5.69% for the remaining 20 years would require 24 monthly payments of £473.31, 36 monthly payments of £546.24 and 240 monthly payments of £606.26.

The total amount payable would be £176,561.16 made up of the loan amount plus interest of £76,526.16 and application fee £0, product fee £0, valuation fee £0, chaps fee £35.

The overall cost for comparisons is 5.1% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

Unless otherwise indicated, these products are only available for house purchases or for customers remortgaging from another lender. A product fee is payable on application but is refundable should the mortgage not complete. A mortgage exit fee of £199 will apply.

  • Tapered Early Repayment Charges apply up to and including 31 August 2021.
  • Maximum loan £500,000
  • Free standard valuation up to £999.
  • Interest calculated daily.
  • This product is not available to interest only applications.
  • This product is not portable and not available in Scotland.
  • This product is only available for purchase applications.

2 Year Scottish Shared Equity Fixed Rate Mortgages

Initial fixed rate up to and inc. 31/08/21Then the Society's SVR less 1.25% discount up to and inc. 31/08/24, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
2.99% 4.44%5.69%5.0%95%£0 View
Max loan amount £500,000
RATES CORRECT AS AT 24 may 2019

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

Representative Example

A mortgage of £100,000.00 payable over 25 years initially on a fixed rate for 2 years at 2.99% and then a 1.25% discount on our current Standard Variable Rate of 5.69% for 3 years and then on our current Standard Variable Rate of 5.69% for the remaining 20 years would require 24 monthly payments of £473.31, 36 monthly payments of £546.24 and 240 monthly payments of £606.26.

The total amount payable would be £176,561.16 made up of the loan amount plus interest of £76,526.16 and application fee £0, product fee £0, valuation fee £0, chaps fee £35.

The overall cost for comparisons is 5.0% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.

Unless otherwise indicated, these products are only available for house purchases or for customers remortgaging from another lender. A product fee is payable on application but is refundable should the mortgage not complete. A mortgage exit fee of £199 will apply.

  • Tapered Early Repayment Charges apply up to and including 31 August 2021.
  • Free standard valuation up to £999.
  • Interest calculated daily.
  • Maximum loan £500,000.
  • These products are not available to Interest Only applications.
  • These products are not portable and only available in Scotland.
  • This product is only available for purchase applications.

 

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