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If you are an existing mortgage customer you may be able to borrow more money against your home. The additional money could be used to make repairs or improvements to your home or even for a special purchase.

Important things you need to know:

  • You can borrow up to 90% of your home's value including your existing mortgage
  • If you have an Interest Only mortgage, any borrowing over 60% would need to be on a Capital and Interest Repayment basis
  • If you’re applying for additional borrowing for debt consolidation, you’ll need to apply through a mortgage broker

Your property could be repossessed if you don't keep up your mortgage repayments.

2 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.31/08/2030, (currently)Then 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
4.35% 7.24%7.99%7.3%65%£0
Max loan amount £2,000,000
4.39% 7.24%7.99%7.3%75%£0
Max loan amount £2,000,000
4.77% 7.24%7.99%7.4%85%£0
Max loan amount £1,000,000
5.40% 7.24%7.99%7.5%90%£0
Max loan amount £700,000
RATES CORRECT AS AT 15 may 2025

Representative Example

A mortgage of £25,000.00 payable over 25 years initially on a fixed rate for 2 years at 5.40% and then a 0.75% discount on our current Standard Variable Rate of 7.99% giving a rate of 7.24% for 3 years and then on our current Standard Variable Rate of 7.99% for the remaining 20 years would require 24 monthly payments of £151.88, 36 monthly payments of £178.6 and 240 monthly payments of £189.01.

The total amount payable would be £55,437.12 made up of the loan amount plus interest of £30,437.12 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparisons is 7.5% 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.

Additional Features

  • Max loans for loans up to 75% is £2,000,000.
  • Max loans for loans up to 85% is £1,000,000.
  • Max loans for loans up to 90% is £700,000.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • For fixed rates up to and including 31 August 2027 tapered Early Repayment Charges apply up to and including 31 August 2027.
  • Free standard valuation up to £999.

3 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 31/08/2028Then changing to the Society's SVR less a discount of 0.75%, up to and inc. 31/08/2030, (currently)Then 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
4.64% 7.24%7.99%7.1%65%£0
Max loan amount £2,000,000
4.99% 7.24%7.99%7.2%75%£0
Max loan amount £2,000,000
RATES CORRECT AS AT 15 may 2025

Representative Example

A mortgage of £25,000.00 payable over 25 years initially on a fixed rate for 3 years at 4.99% and then a 0.75% discount on our current Standard Variable Rate of 7.99% giving a rate of 7.24% for 2 years and then on our current Standard Variable Rate of 7.99% for the remaining 20 years would require 36 monthly payments of £145.85, 24 monthly payments of £177.02 and 240 monthly payments of £187.34.

The total amount payable would be £54,460.68 made up of the loan amount plus interest of £29,460.68 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparisons 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.

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.

Additional Features

  • Max loans for loans up to 75% is £2,000,000.
  • Max loans for loans up to 85% is £1,000,000.
  • Max loans for loans up to 90% is £700,000.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • For fixed rates up to and including 31 August 2028 tapered Early Repayment Charges apply up to and including 31 August 2028.
  • Free standard valuation up to £999.

5 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 31/08/2030Then 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
4.26% 7.99%6.5%65%£0
Max loan amount £2,000,000
4.32% 7.99%6.6%75%£0
Max loan amount £2,000,000
5.15% 7.99%6.9%85%£0
Max loan amount £1,000,000
5.29% 7.99%7.0%90%£0
Max loan amount £700,000
RATES CORRECT AS AT 15 may 2025

Representative Example

A mortgage of £25,000.00 payable over 25 years initially on a fixed rate for 5 years at 5.29% and then on our current Standard Variable Rate of 7.99% (variable) for the remaining 20 years would require 60 monthly payments of £150.25 and 240 monthly payments of £185.73.

The total amount payable would be £53,590.20 made up of the loan amount plus interest of £28,590.20 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparison is 7.0% 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.

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.

Additional Features

  • Max loans for loans up to 75% is £2,000,000.
  • Max loans for loans up to 85% is £1,000,000.
  • Max loans for loans up to 90% is £700,000.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • For fixed rates up to and including 31 August 2029 tapered Early Repayment Charges apply up to and including 31 August 2029.
  • Free standard valuation up to £999.

Variable Rate Mortgage

The Society's SVR applies for the term of the mortgage (currently)Overall cost for comparison (APRC)Maximum loan to value (LTV)Product Fee
7.99%8.3%90%£0
Max loan amount £2,000,000
RATES CORRECT AS AT 15 May 2025

Representative Example

A mortgage of £31,000.00 payable over 25 years on our Standard Variable Rate for the mortgage term of 25 years at our current rate of 7.99% (variable) would require 300 monthly payments of £238.82.

The total amount payable would be £71,679.99 made up of the loan amount plus interest of £40,644.29 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparison is 8.0% 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.

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.

Additional Features

  • Unlimited capital repayments are allowed.
  • Maximum loan £700,000.
  • Interest calculated daily.
  • Free standard valuation up to £999.
  • No Early Repayment Charges apply.

Our mortgage calculators

Affordability calculator

Get an idea of how much you could borrow, based on your income and spending.

Repayment calculator

Work out how much you'd need to pay each month towards your mortgage.

Book an appointment

If you need help or support with an existing application, call us on 03450 505 075.

If you want to speak to someone in our mortgage team about a new application, book a telephone appointment online using the 'book an appointment' button.

During your appointment, you'll be asked some questions to help us understand your circumstances and assess affordability. Based on the information you give us, our qualified advisor will recommend the most suitable product for you.