You are here:

Fixed Rate Mortgages

These Fixed Rate Mortgages are for people who are moving home or looking to remortgage. Have a look through our broad range for key features and details.

AVAILABLE TO INTERMEDIARIES ONLY

Got a First Time Buyer client?

If your client is applying for one of our First Time Buyer Mortgages, at least one of the applicants can’t have had a mortgage within the last 3 years. Otherwise, the application won’t be eligible.

View our Fixed Rate Mortgages for First Time Buyers

You might be offered a Reach Mortgage

Our Reach Mortgages are a new range of residential mortgages. They're here to help put home ownership in reach of people who may otherwise face barriers to buying a home.

Learn about Reach Mortgages

Legal Assisted 2 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 29/02/2028Then changing to the Society's current Standard Variable Rate (SVR) for the remaining term of the mortgageOverall cost for comparison (APRC)Maximum loan to value (LTV)Product Fee
3.79% 7.74%7.2%75%£1499 View
Max loan amount £2,000,000
3.85% 7.74%7.2%75%£999 View
Max loan amount £2,000,000
4.08% 7.74%7.2%75%£0 View
Max loan amount £2,000,000
4.05% 7.74%7.3%80%£1499 View
Max loan amount £1,000,000
4.09% 7.74%7.3%80%£999 View
Max loan amount £1,000,000
4.32% 7.74%7.3%80%£0 View
Max loan amount £1,000,000
4.10% 7.74%7.3%85%£1499 View
Max loan amount £1,000,000
4.17% 7.74%7.3%85%£999 View
Max loan amount £1,000,000
4.38% 7.74%7.3%85%£0 View
Max loan amount £1,000,000
4.29% 7.74%7.3%90%£1499 View
Max loan amount £700,000
4.44% 7.74%7.3%90%£999 View
Max loan amount £700,000
4.52% 7.74%7.3%90%£0 View
Max loan amount £700,000

Home Mover Only 2 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 29/02/2028Then changing to the Society's current Standard Variable Rate (SVR) for the remaining term of the mortgageOverall cost for comparison (APRC)Maximum loan to value (LTV)Product Fee
4.69% 7.74%7.4%95%£999 View
Max loan amount £600,000
4.79% 7.74%7.4%95%£0 View
Max loan amount £600,000
RATES CORRECT AS AT 25 november 2025

Representative Example

A mortgage of £180,000.00 payable over 25 years initially on a fixed rate for 2 years at 4.79% and then on our current Standard Variable Rate of 7.74% (variable) for the remaining 23 years would require 24 monthly payments of £1029.33 and 276 monthly payments of £1335.77.

The total amount payable would be £393,411.44 made up of the loan amount plus interest of £213,376.44 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparison is 7.4% 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.

This example has been calculated on a Capital & Interest repayment method. The monthly payments, total amount payable and interest charged all reflect this calculation method.

Key details about this product range

  • 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 (where applicable) but is refundable should the mortgage not complete.
  • A mortgage exit fee of £199 will apply.
  • Tapered Early Repayment Charges may apply.
  • Interest calculated daily.
  • These products are not available to interest only applications.
  • The products and services on this site are available to UK residents only.
  • Mortgage applicants must be 18 years or over.
  • Mortgages are subject to eligibility, status and financial standing.

For more detail about specific products, visit the links in the table above.

Legal Assisted 3 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 28/02/2029Then changing to the Society's current Standard Variable Rate (SVR) for the remaining term of the mortgageOverall cost for comparison (APRC)Maximum loan to value (LTV)Product Fee
4.18% 7.74%6.9%75%£0 View
Max loan amount £2,000,000
4.25% 7.74%7.0%80%£999 View
Max loan amount £1,000,000
4.29% 7.74%6.9%80%£0 View
Max loan amount £1,000,000
4.35% 7.74%7.0%85%£999 View
Max loan amount £1,000,000
4.39% 7.74%7.0%85%£0 View
Max loan amount £1,000,000
4.39% 7.74%7.0%90%£999 View
Max loan amount £700,000

Home Mover Only 3 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 28/02/2029Then changing to the Society's current Standard Variable Rate (SVR) for the remaining term of the mortgageOverall cost for comparison (APRC)Maximum loan to value (LTV)Product Fee
4.70% 7.74%7.1%95%£1499 View
Max loan amount £600,000
4.86% 7.74%7.1%95%£0 View
Max loan amount £600,000
RATES CORRECT AS AT 25 november 2025

Representative Example

A mortgage of £180,000.00 payable over 25 years initially on a fixed rate for 3 years at 4.86% and then on our current Standard Variable Rate of 7.74% (variable) for the remaining 22 years would require 36 monthly payments of £1036.59 and 264 monthly payments of £1325.66.

The total amount payable would be £387,326.48 made up of the loan amount plus interest of £207,291.48 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparison is 7.1% 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.

This example has been calculated on a Capital & Interest repayment method. The monthly payments, total amount payable and interest charged all reflect this calculation method.

Key details about this product range

  • 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 (where applicable) but is refundable should the mortgage not complete.
  • A mortgage exit fee of £199 will apply.
  • Tapered Early Repayment Charges may apply.
  • Interest calculated daily.
  • These products are not available to interest only applications.
  • The products and services on this site are available to UK residents only.
  • Mortgage applicants must be 18 years or over.
  • Mortgages are subject to eligibility, status and financial standing.

For more detail about specific products, visit the links in the table above.

Legal Assisted 5 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 28/02/2031Then changing to the Society's current Standard Variable Rate (SVR) for the remaining term of the mortgageOverall cost for comparison (APRC)Maximum loan to value (LTV)Product Fee
3.87% 7.74%6.3%65%£1999 View
Max loan amount £2,000,000
4.29% 7.74%6.4%65%£0 View
Max loan amount £2,000,000
4.19% 7.74%6.4%75%£999 View
Max loan amount £2,000,000
4.35% 7.74%6.4%75%£0 View
Max loan amount £2,000,000
4.25% 7.74%6.4%80%£1499 View
Max loan amount £1,000,000
4.29% 7.74%6.5%80%£999 View
Max loan amount £1,000,000
4.39% 7.74%6.5%80%£0 View
Max loan amount £1,000,000
4.36% 7.74%6.5%85%£999 View
Max loan amount £1,000,000
4.60% 7.74%6.5%85%£0 View
Max loan amount £1,000,000
4.37% 7.74%6.5%90%£999 View
Max loan amount £700,000
4.61% 7.74%6.6%90%£0 View
Max loan amount £700,000

Home Mover Only 5 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 28/02/2031Then changing to the Society's current Standard Variable Rate (SVR) for the remaining term of the mortgageOverall cost for comparison (APRC)Maximum loan to value (LTV)Product Fee
4.91% 7.74%6.7%95%£0 View
Max loan amount £600,000
RATES CORRECT AS AT 25 november 2025

Representative Example

A mortgage of £180,000.00 payable over 25 years initially on a fixed rate for 5 years at 4.91% and then on our current Standard Variable Rate of 7.74% (variable) for the remaining 20 years would require 60 monthly payments of £1041.80 and 240 monthly payments of £1304.59.

The total amount payable would be £375,644.60 made up of the loan amount plus interest of £195,609.60 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparison is 6.7% 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.

This example has been calculated on a Capital & Interest repayment method. The monthly payments, total amount payable and interest charged all reflect this calculation method.

Key details about this product range

  • 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 (where applicable) but is refundable should the mortgage not complete.
  • A mortgage exit fee of £199 will apply.
  • Tapered Early Repayment Charges may apply.
  • Interest calculated daily.
  • These products are not available to interest only applications.
  • The products and services on this site are available to UK residents only.
  • Mortgage applicants must be 18 years or over.
  • Mortgages are subject to eligibility, status and financial standing.

For more detail about specific products, visit the links in the table above.

This information is designed for use by FCA authorised intermediaries only.

Help

Our mortgages