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Online Mortgage Rates

Rates correct as at 14 June 2013

Fixed Rate, Variable Rate, Offset, Tracker, Buy to Let, and Lending into Retirement mortgage products are available for house purchases or for customers remortgaging from another lender (unless stated otherwise).

First Time Buyer and Self Build mortgage products are only available for house purchases.

These products are not available where the property to be mortgaged is located in Northern Ireland. View our range of Northern Ireland Mortgages »

2 Year Fixed Rate up to and including 30 June 2015
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
2.53% 3.03% 3.73% Fixed up to and including 30/06/2015	5.69% 5.69% 5.69% For the remaining term of the mortgage	5.4% APR 5.5% APR 5.7% APR	75% 80% 85%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No discount is available on this product. An alternative product is available with a 0.24% discount on the rate in the “Initial Rate” column if you take our HomeCover (Buildings and Contents) Insurance. To take advantage of this product, please call our Insurance Team on 0113 225 7665. This offer is subject to eligibility criteria and acceptance by the insurer.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply up to and including 30 June 2015. For fixed rate mortgages greater than 80% loan to value a maximum loan size of £500,000 applies.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £800 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08452 34 40 48		Apply at your local branch

Fees Assisted 2 Year Fixed Rate up to and including 30 June 2015
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
2.78% 3.28% 4.03% Fixed up to and including 30/06/2015	5.69% 5.69% 5.69% For the remaining term of the mortgage	5.4% APR 5.5% APR 5.6% APR	75% 80% 85%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No discount is available on this product. An alternative product is available with a 0.24% discount on the rate in the “Initial Rate” column if you take our HomeCover (Buildings and Contents) Insurance. To take advantage of this product, please call our Insurance Team on 0113 225 7665. This offer is subject to eligibility criteria and acceptance by the insurer.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages. Tapered Early Repayment Charges apply up to and including 30 June 2015. For fixed rate mortgages greater than 80% loan to value a maximum loan size of £500,000 applies.		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

3 Year Fixed Rate up to and including 30 June 2016
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
2.73% 3.83% Fixed up to and including 30/06/2016	5.69% 5.69% For the remaining term of the mortgage	5.2% APR 5.5% APR	75% 85%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No discount is available on this product. An alternative product is available with a 0.24% discount on the rate in the “Initial Rate” column if you take our HomeCover (Buildings and Contents) Insurance. To take advantage of this product, please call our Insurance Team on 0113 225 7665. This offer is subject to eligibility criteria and acceptance by the insurer.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply up to and including 30 June 2016. For fixed rate mortgages greater than 80% loan to value a maximum loan size of £500,000 applies.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £800 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

Fees Assisted 3 Year Fixed Rate up to and including 30 June 2016
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
3.03% 4.23% Fixed up to and including 30/06/2016	5.69% 5.69% For the remaining term of the mortgage	5.2% APR 5.5% APR	75% 85%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No discount is available on this product. An alternative product is available with a 0.24% discount on the rate in the “Initial Rate” column if you take our HomeCover (Buildings and Contents) Insurance. To take advantage of this product, please call our Insurance Team on 0113 225 7665. This offer is subject to eligibility criteria and acceptance by the insurer.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages. Tapered Early Repayment Charges apply up to and 30 June 2016. For fixed rate mortgages greater than 80% loan to value a maximum loan size of £500,000 applies.		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

5 Year Fixed Rate up to and including 30 June 2018
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
3.19% Fixed up to and including 30/06/2018	5.69% For the remaining term of the mortgage	5.0% APR	80%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply up to and including 30 June 2018. Maximum loan size of £750,000 applies.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £800 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

5 Year Fixed Rate up to and including 30 June 2018
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
3.13% 3.93% Fixed up to and including 30/06/2018	5.69% 5.69% For the remaining term of the mortgage	5.0% APR 5.2% APR	70% 85%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No discount is available on this product. An alternative product is available with a 0.24% discount on the rate in the “Initial Rate” column if you take our HomeCover (Buildings and Contents) Insurance. To take advantage of this product, please call our Insurance Team on 0113 225 7665. This offer is subject to eligibility criteria and acceptance by the insurer.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply up to and including 30 June 2018. For fixed rate mortgages up to 80% loan to value, a maximum loan size of £750,000 applies. For fixed rate mortgages between 80% loan to value and 85% loan to value, a maximum loan size of £500,000 applies.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £800 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

Fees Assisted 5 Year Fixed Rate up to and including 30 June 2018
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
3.43% 3.83% 4.53% Fixed up to and including 30/06/2018	5.69% 5.69% 5.69% For the remaining term of the mortgage	4.9% APR 5.1% APR 5.4% APR	75% 80% 85%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No discount is available on this product. An alternative product is available with a 0.24% discount on the rate in the “Initial Rate” column if you take our HomeCover (Buildings and Contents) Insurance. To take advantage of this product, please call our Insurance Team on 0113 225 7665. This offer is subject to eligibility criteria and acceptance by the insurer.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages. Tapered Early Repayment Charges apply up to and including 30 June 2018. For fixed rate mortgages up to 80% loan to value, a maximum loan size of £750,000 applies. For fixed rate mortgages between 80% loan to value and 85% loan to value, a maximum loan size of £500,000 applies.		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

10 Year Fixed Rate up to and including 30 June 2023
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
3.99% Fixed up to and including 30/06/2023	5.69% For the remaining term of the mortgage	4.9% APR	75%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply up to and including 30 June 2023.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £1,800 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

10 Year Fixed Rate up to and including 30 June 2023
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
4.19% Fixed up to and including 30/06/2023	5.69% For the remaining term of the mortgage	4.9% APR	80%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply up to and including 30 June 2023.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £800 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

2 Year 2.84% Discount
Initial Rate is the Society's Standard Variable Rate less a discount of 2.84%, currently	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
2.85% for 2 years	5.69% For the remaining term of the mortgage	5.5% APR	75%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply for the first 2 years.		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199 Completion Fee for loans up to £500,000: £800 Completion Fee for loans over £500,000: 1% of loan
Apply Online	Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

2 Year 2.59% Discount
Initial Rate is the Society's Standard Variable Rate less a discount of 2.59%, currently	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
3.10% for 2 years	5.69% For the remaining term of the mortgage	5.6% APR	80%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply for the first 2 years.		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199 Completion Fee for loans up to £500,000: £800 Completion Fee for loans over £500,000: 1% of loan
Apply Online	Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

2 Year 2.09% Discount
Initial Rate is the Society's Standard Variable Rate less a discount of 2.09%, currently	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
3.60% for 2 years	5.69% For the remaining term of the mortgage	5.6% APR	85%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply for the first 2 years. Maximum loan size of £500,000		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199 Completion Fee: £800
Apply Online	Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

2 Year Fees Assisted 2.69% Discount
Initial Rate is the Society's Standard Variable Rate less a discount of 2.69%, currently	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
3.00% for 2 years	5.69% For the remaining term of the mortgage	5.5% APR	75%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages. Tapered Early Repayment Charges apply for the first 2 years.		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

2 Year Fees Assisted 2.29% Discount
Initial Rate is the Society's Standard Variable Rate less a discount of 2.29%, currently	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
3.40% for 2 years	5.69% For the remaining term of the mortgage	5.6% APR	80%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages. Tapered Early Repayment Charges apply for the first 2 years.		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

2 Year Fees Assisted 1.79% Discount
Initial Rate is the Society's Standard Variable Rate less a discount of 1.79%, currently	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
3.90% for 2 years	5.69% For the remaining term of the mortgage	5.7% APR	85%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages. Tapered Early Repayment Charges apply for the first 2 years. Maximum loan size of £500,000		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

Flexible Fees Assisted 2.30% 3 Year Discount
Initial Rate is the Society's Standard Variable Rate less a discount of 2.30%, currently	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
3.39% for 3 years	5.69% For the remaining term of the mortgage	5.2% APR	80%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. FREE standard valuation up to £335. Unlimited capital repayments allowed. No Early Repayment Charges. Payment holidays are available subject to sufficient overpayments being made. Interest will be charged during any payment holiday period.		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

Buy to Let 2 Year Fixed Rate up to and including 31 August 2015
Initial Rate	Then changing to the Society's Buy to Let Variable Rate less a discount of 1.00%, giving a current rate of	Then changing to the Society's Buy to Let Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
3.40% Fixed up to and including 31/08/2015	4.99% up to and including 31/08/2018	5.99% For the remaining term of the mortgage	5.5% APR	75%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply up to and including 31 August 2015. Maximum loan £500,000. Interest calculated daily.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee: £800 Redemption Fee: £199
Apply Online		Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

Buy to Let 2 Year Fixed Rate up to and including 31 August 2015
Initial Rate	Then changing to the Society's Buy to Let Variable Rate less a discount of 1.00%, giving a current rate of	Then changing to the Society's Buy to Let Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
4.99% Fixed up to and including 31/08/2015	4.99% up to and including 31/08/2018	5.99% For the remaining term of the mortgage	6.0% APR	80%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply up to and including 31 August 2015. Maximum loan £500,000.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee: £800 Redemption Fee: £199
Apply Online		Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

Buy to Let Fees Assisted 2 Year Fixed Rate up to and including 31 August 2015
Initial Rate	Then changing to the Society's Buy to Let Variable Rate less a discount of 1.00%, giving a current rate of	Then changing to the Society's Buy to Let Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
3.99% Fixed up to and including 31/08/2015	4.99% up to and including 31/08/2018	5.99% For the remaining term of the mortgage	5.7% APR	75%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply up to and including 31 August 2015. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages. Maximum loan £500,000.		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online		Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

Buy to Let 3 Year Fixed Rate up to and including 31 August 2016
Initial Rate	Then changing to the Society's Buy to Let Variable Rate less a discount of 1.00%, giving a current rate of	Then changing to the Society's Buy to Let Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
3.99% 5.29% Fixed up to and including 31/08/2016	4.99% 4.99% up to and including 31/08/2018	5.99% 5.99% For the remaining term of the mortgage	5.7% APR 6.1% APR	75% 80%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply up to and including 31 August 2016. Maximum loan £500,000.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee: £800 Redemption Fee: £199
Apply Online		Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

Buy to Let Fees Assisted 3 Year Fixed Rate up to and including 31 August 2016
Initial Rate	Then changing to the Society's Buy to Let Variable Rate less a discount of 1.00%, giving a current rate of	Then changing to the Society's Buy to Let Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
4.19% Fixed up to and including 31/08/2016	4.99% up to and including 31/08/2018	5.99% For the remaining term of the mortgage	5.7% APR	75%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply up to and including 31 August 2016. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages. Maximum loan £500,000.		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online		Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

Buy to Let 2.70% 2 Year Discount
Initial Rate is the Society's Buy to Let Variable Rate less a discount of 2.70%, currently	Then changing to the Society's Buy to Let Variable Rate less a discount of 1.00%, giving a current rate of	Then changing to the Society's Buy to Let Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
3.29% For 2 years	4.99% For 3 years	5.99% For the remaining term of the mortgage	5.5% APR	70%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply for the first 2 years. Maximum loan £500,000. Interest calculated daily.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee: £800 Redemption Fee: £199
Apply Online		Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

Buy to Let Variable Rate
The Society's Buy to Let Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
5.99% 5.99% For the term of the mortgage	6.4% APR 6.6% APR	60% 80%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:	Fees
No Discount is available on this product.	No Higher Lending Charge. Unlimited capital repayments allowed. Maximum loan £500,000.	Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000 (Maximum 60% Loan To Value): £800 Completion Fee for loans up to £500,000 (Maximum 80% Loan To Value): £1,350 Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75	Apply at your local branch

Offset Fees Assisted 2 Year 2.29% Discount
Initial Rate is the Society's Offset Variable Rate less a discount of 2.29%, currently	Then changing to the Society's Offset Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
3.40% for 2 years	5.69% For the remaining term of the mortgage	5.5% APR	75%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply for the first 2 years. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages.		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

Offset 2 Year Fixed Rate up to and including 31 August 2015
Initial Rate	Then changing to the Society's Offset Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
3.39% Fixed up to and including 31/08/2015	5.69% For the remaining term of the mortgage	5.7% APR	75%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply up to and including 31 August 2015. Interest calculated daily		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £800 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

Offset Variable Rate
The Society's Offset Variable Rate applies, which is currently	The overall cost for comparison is	Maximum Loan To Value*
5.69% For the term of the mortgage	6.1% APR	80%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:	Fees
No Discount is available on this product.	No Higher Lending Charge. Unlimited capital repayments allowed.	Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £400 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75	Apply at your local branch

Shared Ownership 2 Year Fixed Rate up to and including 31 August 2015 (This product is not Portable and not available in Scotland)
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan  To Value*
4.39% Fixed up to and including 31/08/2015	5.69% For the remaining term of the mortgage	5.9% APR	75%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 80% of borrower share available. FREE standard valuation up to £335. Tapered Early Repayment Charges apply up to and including 31 August 2015.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £200 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75

Shared Ownership 2 Year Fixed Rate up to and including 31 August 2015 (This product is not Portable and not available in Scotland)
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
4.79% Fixed up to and including 31/08/2015	5.69% For the remaining term of the mortgage	5.9% APR	75%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 85% of borrower share available. FREE standard valuation up to £335. Tapered Early Repayment Charges apply up to and including 31 August 2015.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £200 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75

Shared Ownership 3 Year Fixed Rate up to and including 31 August 2016 (This product is not Portable and not available in Scotland)
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
4.99% Fixed up to and including 31/08/2016	5.69% For the remaining term of the mortgage	5.9% APR	75%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 90% of borrower share available. FREE standard valuation up to £335. Tapered Early Repayment Charges apply up to and including 31 August 2016.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £100 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75

Shared Ownership 3 Year Fixed Rate up to and including 31 August 2016 (This product is not Portable and not available in Scotland)
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
5.29% Fixed up to and including 31/08/2016	5.69% For the remaining term of the mortgage	5.9% APR	75%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 95% of borrower share available. FREE standard valuation up to £335. Tapered Early Repayment Charges apply up to and including 31 August 2016.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £100 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75

Shared Ownership 2 Year Variable Rate (This product is not Portable and not available in Scotland)
The Society's Buy to Let Variable Rate, which is currently	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
5.69% for 2 years	5.69% For the remaining term of the mortgage	6.0% APR	75%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 95% of borrower share available. FREE standard valuation up to £335. Tapered Early Repayment Charges apply up to and including 31 May 2015		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75

Shared Ownership 2 Year 0.80% Discount (This product is not Portable and not available in Scotland)
Initial Rate is the Society's Standard Variable Rate less a discount of 0.80%, currently	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
4.89% for 2 years	5.69% For the remaining term of the mortgage	5.9% APR	75%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 80% of borrower share available. FREE standard valuation up to £335. Tapered Early Repayment Charges apply for the first 2 years.		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75

Shared Equity Affordable Housing Fees Assisted 3 Year Fixed Rate up to and including 31 May 2016 (not Portable and not available in Scotland)
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
6.69% Fixed up to and including 31/05/2016	5.69% For the remaining term of the mortgage	6.3% APR	90%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages. 90% of borrower share available. Tapered Early Repayment Charges apply up to and including 31 May 2016.		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75

Scottish Homestake/ Lift Fees Assisted 3 Year Fixed Rate up to and including 31 May 2016 (not portable and only available in Scotland)
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
6.69% Fixed up to and including 31/05/2016	5.69% For the remaining term of the mortgage	6.3% APR	90%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages. 90% of borrower share available. Only available in Scotland. Tapered Early Repayment Charges apply up to and including 31 May 2016.		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75

Retirement Fees Assisted 2 Year Fixed Rate up to and including 31 August 2015
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
4.49% Fixed up to and including 31/08/2015	5.69% For the remaining term of the mortgage	5.8% APR	70%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages. Tapered Early Repayment Charges apply up to and including 31 August 2015.		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

Retirement Offset 2 Year 1.50% Discount
Initial Rate is the Society's Retirement Offset Variable Rate less a discount of 1.50%, currently	Then changing to the Society's Retirement Offset Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value*
4.19% for 2 years	5.69% For the remaining term of the mortgage	5.8% APR	70%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply for the first 2 years.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £300 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75		Apply at your local branch

Retirement Offset Variable Rate
The Society's Retirement Offset Variable Rate applies, which is currently	The overall cost for comparison is	Maximum Loan To Value*
5.69% For the term of the mortgage	6.1% APR	70%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:	Fees
No Discount is available on this product.	No Higher Lending Charge. Unlimited capital repayments allowed.	Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £400 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75	Apply at your local branch

Standard Variable Rate
The Society's Standard Variable Rate applies, which is currently	The overall cost for comparison is	Maximum Loan To Value*
5.69% For the term of the mortgage	6.1% APR	85%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:	Fees
No Discount is available on this product.	No Higher Lending Charge. Unlimited capital repayments are allowed.	Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08450 50 50 75	Apply at your local branch

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