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If you are an existing mortgage customer you may be able to borrow more money against your property. 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:

  • There are no product or arrangement fees.
  • You can borrow up to 90% of your home's value including your existing mortgage.
  • If you have an interest only mortgage, additional borrowing can only be taken out on a capital and interest basis unless the loan to value (LTV) of all the borrowing is less than 60% (or 75% for part & part mortgages).
  • Your additional borrowing will be secured against your home.
  • A revaluation may be required.
  • Additional borrowing for Offset accounts is only available for essential repairs. Please
    contact us for more information.

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 50 50 62.

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.

Book an appointment online

During your appointment you will be asked a number of questions to help us understand your circumstances and assess affordability and based on the information you provide, our qualified advisor will recommend the best product we have available for you.

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. 28/02/2027Then changing to the Society's SVR less a discount of 0.75%, up to and inc.28/02/2030, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)†Max LTVProduct Fee
5.00% 7.49%8.24%7.6%65%£0
Max loan amount £2,000,000
5.74% 7.49%8.24%7.8%75%£0
Max loan amount £2,000,000
5.84% 7.49%8.24%7.8%85%£0
Max loan amount £1,000,000
6.54% 7.49%8.24%8.0%90%£0
Max loan amount £700,000
RATES CORRECT AS AT 22 november 2024

Representative Example

A mortgage of £25,000.00 payable over 25 years initially on a fixed rate for 2 years at 6.54% 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 £169.25, 36 monthly payments of £183.54 and 240 monthly payments of £194.14.

The total amount payable would be £57,263.04 made up of the loan amount plus interest of £32,263.04 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparisons 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

  • 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 28 February 2027 tapered Early Repayment Charges apply up to and including 28 February 2027.
  • Free standard valuation up to £999.

† The actual rate available will depend on your circumstances. Ask for a personalised illustration.

3 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 29/02/2028Then changing to the Society's SVR less a discount of 0.75%, up to and inc. 28/02/2030, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)†Max LTVProduct Fee
4.82% 7.49%8.24%7.4%65%£0
Max loan amount £2,000,000
RATES CORRECT AS AT 22 november 2024

Representative Example

A mortgage of £25,000.00 payable over 25 years initially on a fixed rate for 3 years at 4.82% 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 £143.39, 24 monthly payments of £180.38 and 240 monthly payments of £190.78.

The total amount payable would be £55,278.36 made up of the loan amount plus interest of £30,278.36 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparisons 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.

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 29 February 2028 tapered Early Repayment Charges apply up to and including 29 February 2028.
  • Free standard valuation up to £999.

† The actual rate available will depend on your circumstances. Ask for a personalised illustration.

5 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 28/02/2030Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)†Max LTVProduct Fee
4.57% 8.24%6.8%65%£0
Max loan amount £2,000,000
5.32% 8.24%7.2%75%£0
Max loan amount £2,000,000
5.39% 8.24%7.2%85%£0
Max loan amount £1,000,000
5.84% 8.24%7.4%90%£0
Max loan amount £700,000
RATES CORRECT AS AT 22 november 2024

Representative Example

A mortgage of £25,000.00 payable over 25 years initially on a fixed rate for 5 years at 5.84% and then on our current Standard Variable Rate of 8.24% (variable) for the remaining 20 years would require 60 monthly payments of £158.47 and 240 monthly payments of £190.78.

The total amount payable would be £55,295.40 made up of the loan amount plus interest of £30,295.40 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.

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 28 February 2029 tapered Early Repayment Charges apply up to and including 28 February 2029.
  • Free standard valuation up to £999.
† The actual rate available will depend on your circumstances. Ask for a personalised illustration.

Variable Rate Mortgage

The Society's SVR applies for the term of the mortgage (currently)Overall cost for comparison (APRC)†Max LTVProduct Fee
8.24%8.6%90%£0
Max loan amount £2,000,000
RATES CORRECT AS AT 22 november 2024

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 8.24% (variable) would require 300 monthly payments of £243.97.

The total amount payable would be £73,190.60 made up of the loan amount plus interest of £42,190.60 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparison is 8.2% 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

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

    • † The actual rate available will depend on your circumstances. Ask for a personalised illustration.

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