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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 Assisted 2 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 31/03/2026Then changing to the Society's SVR less a discount of 0.75%, up to and inc. 31/03/2029, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
4.99% 7.49%8.24%7.7%75%£999 View
Max loan amount £2,000,000
5.30% 7.49%8.24%7.7%75%£0 View
Max loan amount £2,000,000
5.28% 7.49%8.24%7.8%80%£999 View
Max loan amount £1,000,000
5.59% 7.49%8.24%7.8%80%£0 View
Max loan amount £1,000,000
5.44% 7.49%8.24%7.8%85%£999 View
Max loan amount £1,000,000
5.65% 7.49%8.24%7.8%85%£0 View
Max loan amount £1,000,000
5.69% 7.49%8.24%7.8%90%£0 View
Max loan amount £600,000

Purchase Only 2 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 31/03/2026Then changing to the Society's SVR less a discount of 0.75%, up to and inc. 31/03/2029, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
5.72% 7.49%8.24%7.8%95%£999 View
Max loan amount £500,000
5.97% 7.49%8.24%7.8%95%£0 View
Max loan amount £500,000

Cashback Purchase Only 2 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 31/03/2026Then changing to the Society's SVR less a discount of 0.75%, up to and inc. 31/03/2029, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
6.08% 7.49%8.24%7.9%95%£0 View
Max loan amount £500,000 / Min loan amount £50,000 / £500 Cashback upon completion
RATES CORRECT AS AT 08 december 2023

Representative Example

A mortgage of £150,000.00 payable over 25 years initially on a fixed rate for 2 years at 6.08% 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 £972.79, 36 monthly payments of £1098.58 and 240 monthly payments of £1161.98.

The total amount payable would be £341,806.04 made up of the loan amount plus interest of £191,771.04 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.

Legal Assisted 3 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 31/03/2027Then changing to the Society's SVR less a discount of 0.75%, up to and inc. 31/03/2029, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
4.85% 7.49%8.24%7.4%65%£999 View
Max loan amount £2,000,000
5.08% 7.49%8.24%7.4%65%£0 View
Max loan amount £2,000,000
4.94% 7.49%8.24%7.4%75%£999 View
Max loan amount £2,000,000
5.17% 7.49%8.24%7.5%75%£0 View
Max loan amount £2,000,000
5.42% 7.49%8.24%7.5%85%£0 View
Max loan amount £1,000,000
5.54% 7.49%8.24%7.6%90%£0 View
Max loan amount £600,000

Purchase Only 3 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 31/03/2027Then changing to the Society's SVR less a discount of 0.75%, up to and inc. 31/03/2029, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
5.74% 7.49%8.24%7.7%95%£999 View
Max loan amount £500,000
5.99% 7.49%8.24%7.7%95%£0 View
Max loan amount £500,000
RATES CORRECT AS AT 08 december 2023

Representative Example

A mortgage of £180,000.00 payable over 25 years initially on a fixed rate for 3 years at 5.99% 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 £1157.44, 24 monthly payments of £1312.41 and 240 monthly payments of £1388.15.

The total amount payable would be £406,356.68 made up of the loan amount plus interest of £226,321.68 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparisons is 7.7% 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.

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. 31/03/2029Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
4.92% 8.24%7.0%85%£999 View
Max loan amount £1,000,000
5.03% 8.24%7.0%85%£0 View
Max loan amount £1,000,000
5.01% 8.24%7.1%90%£999 View
Max loan amount £600,000
5.13% 8.24%7.1%90%£0 View
Max loan amount £600,000

Purchase Only 5 Year Fixed Rate Mortgages

Initial rate fixed up to and inc.31/03/2029Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
5.48% 8.24%7.3%95%£999 View
Max loan amount £500,000
5.60% 8.24%7.3%95%£0 View
Max loan amount £500,000
RATES CORRECT AS AT 08 december 2023

Representative Example

A mortgage of £180,000.00 payable over 25 years initially on a fixed rate for 5 years at 5.60% and then on our current Standard Variable Rate of 8.24% (variable) for the remaining 20 years would require 60 monthly payments of £1114.98 and 240 monthly payments of £1368.70.

The total amount payable would be £395,421.80 made up of the loan amount plus interest of £215,386.80 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparison is 7.3% 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.

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.