Fixed Rate Mortgages

With our Fixed Rate mortgages, your repayments will stay the same during the fixed term period, helping you to plan ahead. No need to worry about interest rates going up, as you can fix the rate for a term between 2 and 5 years. However if interest rates go down you will not receive the benefit of this during the fixed rate period. You should also be aware that some fixed rate mortgages include early repayment charges. After the fixed rate period and any applicable period where a discount rate applies, your repayments will revert to our Standard Variable Rate.

You can apply online, unless the product details say this isn't available. Alternatively, you can apply over the phone.

If you apply for a mortgage online you won’t receive advice from us. You’ll need to make your own choice about which mortgage is suitable for you. This means we won’t assess the suitability of the mortgage to your needs and circumstances. If you’d like to receive advice or need support with your application, please contact us using your preferred option.

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

Purchase Only 2 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 30/06/2026Then changing to the Society's SVR less a discount of 0.75%, up to and inc. 30/06/2029, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
4.89% 7.49%8.24%7.7%80%£999 View
Max loan amount £1,000,000 / It's not possible to apply for this product online.
5.11% 7.49%8.24%7.7%80%£0 View
Max loan amount £1,000,000 / It's not possible to apply for this product online.

Remortgage Only 2 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 30/06/2026Then changing to the Society's SVR less a discount of 0.75%, up to and inc. 30/06/2029, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
5.14% 7.49%8.24%7.7%80%£999 View
Max loan amount £1,000,000
5.39% 7.49%8.24%7.7%80%£0 View
Max loan amount £1,000,000

Cashback Purchase Only 2 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 30/06/2026Then changing to the Society's SVR less a discount of 0.75%, up to and inc. 30/06/2029, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
5.79% 7.49%8.24%7.8%95%£0 View
Max loan amount £500,000 / Min loan amount £50,000 / £500 Cashback upon completion / It's not possible to apply for this product online.
RATES CORRECT AS AT 23 april 2024

Representative Example

A mortgage of £150,000.00 payable over 25 years initially on a fixed rate for 2 years at 5.79% 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 £946.31, 36 monthly payments of £1096.81 and 240 monthly payments of £1160.11.

The total amount payable would be £340,658.00 made up of the loan amount plus interest of £190,623.00 and application fee £0, product fee £0, valuation fee £0, funds transfer fee £35.

The overall cost for comparisons is 7.8% 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
5.44% 7.49%8.24%7.5%95%£0 View
Max loan amount £500,000 / It's not possible to apply for this product online.
RATES CORRECT AS AT 23 april 2024

Representative Example

A mortgage of £180,000.00 payable over 25 years initially on a fixed rate for 3 years at 5.44% 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 £1097.79, 24 monthly payments of £1306.17 and 240 monthly payments of £1381.55.

The total amount payable would be £402,475.52 made up of the loan amount plus interest of £222,440.52 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.

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. 31/08/2029Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
4.54% 8.24%6.9%75%£999 View
Max loan amount £2,000,000
4.69% 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. 31/08/2029Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
4.59% 8.24%6.9%80%£999 View
Max loan amount £1,000,000 / It's not possible to apply for this product online.
4.74% 8.24%6.9%85%£0 View
Max loan amount £1,000,000 / It's not possible to apply for this product online.
4.94% 8.24%7.0%90%£0 View
Max loan amount £600,000 / It's not possible to apply for this product online.

Remortgage Only 5 Year Fixed Rate Mortgages

Initial rate fixed up to and inc. 31/08/2029Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVProduct Fee
4.77% 8.24%7.0%80%£999 View
Max loan amount £1,000,000
4.99% 8.24%7.0%85%£0 View
Max loan amount £1,000,000
5.29% 8.24%7.1%90%£0 View
Max loan amount £600,000
RATES CORRECT AS AT 23 april 2024

Representative Example

A mortgage of £150,000.00 payable over 25 years initially on a fixed rate for 5 years at 5.29% and then on our current Standard Variable Rate of 8.24% (variable) for the remaining 20 years would require 60 monthly payments of £901.49 and 240 monthly payments of £1135.20.

The total amount payable would be £326,572.40 made up of the loan amount plus interest of £176,537.40 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.

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.