Please note:

Fixed Rate Mortgages

Scroll down the page to see the list of key details about our fixed rate mortgages.

AVAILABLE TO INTERMEDIARIES ONLY

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 and Assisted 2 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 30/09/2026Then changing to the Society's SVR less a discount of 0.75%, up to and inc. 30/09/2029, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
4.98% 7.49%8.24%7.7%75%£1499 View
Max loan amount £2,000,000
5.06% 7.49%8.24%7.7%75%£999 View
Max loan amount £2,000,000
5.25% 7.49%8.24%7.7%75%£0 View
Max loan amount £2,000,000

Purchase Only 2 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 30/09/2026Then changing to the Society's SVR less a discount of 0.75%, up to and inc. 30/09/2029, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
5.14% 7.49%8.24%7.7%85%£999 View
Max loan amount £1,000,000
5.34% 7.49%8.24%7.7%85%£0 View
Max loan amount £1,000,000
5.65% 7.49%8.24%7.8%90%£0 View
Max loan amount £700,000

Remortgage Only 2 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 30/09/2026Then changing to the Society's SVR less a discount of 0.75%, up to and inc. 30/09/2029, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
5.34% 7.49%8.24%7.8%80%£999 View
Max loan amount £1,000,000
6.04% 7.49%8.24%7.9%85%£0 View
Max loan amount £1,000,000
6.14% 7.49%8.24%7.9%90%£0 View
Max loan amount £700,000

Cashback Purchase Only 2 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 30/09/2026Then changing to the Society's SVR less a discount of 0.75%, up to and inc. 30/09/2029, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
5.94% 7.49%8.24%7.8%95%£0 View
Max loan amount £600,000 / Min loan amount £50,000 / £500 Cashback upon completion
RATES CORRECT AS AT 14 june 2024

Representative Example

A mortgage of £180,000.00 payable over 25 years initially on a fixed rate for 2 years at 6.14% and then a 0.75% discount on our current Standard Variable Rate of 8.24% giving a rate of 7.49% for 3 years and then on our current Standard Variable Rate of 8.24% for the remaining 20 years would require 24 monthly payments of £1173.97, 36 monthly payments of £1318.73 and 240 monthly payments of £1394.83.

The total amount payable would be £410,443.76 made up of the loan amount plus interest of £230,408.76 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparisons is 7.9% 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.

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.

Purchase Only 3 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 31/08/2027Then changing to the Society's SVR less a discount of 0.75%, up to and inc. 31/08/2029, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
5.64% 7.49%8.24%7.6%95%£0 View
Max loan amount £600,000
RATES CORRECT AS AT 14 june 2024

Representative Example

A mortgage of £180,000.00 payable over 25 years initially on a fixed rate for 3 years at 5.64% and then a 0.75% discount on our current Standard Variable Rate of 8.24% giving a rate of 7.49% for 2 years and then on our current Standard Variable Rate of 8.24% for the remaining 20 years would require 36 monthly payments of £1119.30, 24 monthly payments of £1308.48 and 240 monthly payments of £1384.00.

The total amount payable would be £403,893.32 made up of the loan amount plus interest of £223,858.32 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparisons is 7.6% 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.

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 and Assisted 5 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 30/09/2029Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
4.59% 8.24%6.9%75%£999 View
Max loan amount £2,000,000
4.72% 8.24%6.9%75%£0 View
Max loan amount £2,000,000

Purchase Only 5 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 30/09/2029Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
4.79% 8.24%7.0%80%£999 View
Max loan amount £1,000,000
4.94% 8.24%7.0%85%£0 View
Max loan amount £1,000,000
5.08% 8.24%7.0%90%£0 View
Max loan amount £700,000
5.39% 8.24%7.2%95%£0 View
Max loan amount £600,000

Remortgage Only 5 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 30/09/2029Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
4.94% 8.24%7.0%80%£999 View
Max loan amount £1,000,000
5.09% 8.24%7.1%85%£0 View
Max loan amount £1,000,000
5.29% 8.24%7.1%90%£0 View
Max loan amount £700,000
RATES CORRECT AS AT 14 june 2024

Representative Example

A mortgage of £150,000.00 payable over 25 years initially on a fixed rate for 5 years at 5.39% and then on our current Standard Variable Rate of 8.24% (variable) for the remaining 20 years would require 60 monthly payments of £910.37 and 240 monthly payments of £1136.95.

The total amount payable would be £327,525.20 made up of the loan amount plus interest of £177,490.20 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparison is 7.2% 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.

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.