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Here you will find a summary of our current owner occupier products for existing borrowers.

Please call us on 03300 243412 to arrange an appointment should you be in a position to apply or require advice, alternatively our customer representative may be able to answer any queries you might have. We're open Monday to Friday: 8am - 5.30pm and Saturday: 9am - noon.

Go to Discounted Variable Rate Mortgages
Go to Fixed Rate Mortgages
Go to Family First Guarantor Mortgage Fixed Rate
Go to Base Rate Tracker Mortgages

DISCOUNTED VARIABLE RATES

Product name Initial interest rate Followed by our SVR^, currently The overall cost for comparison is Minimum interest rate payable Interest calculated Cost to transfer to this product* Early repayment charges Further details
Capital and Interest Repayment
3 year 2.10% discount 2.59% 4.69% 3.3% APRC 2.39% Annually Nil Yes Click here

Representative example:
A mortgage of £69,559.00 over 6 years on a discounted variable rate for 3 years at 2.10% below our annual standard variable rate and then on our annual standard variable rate, currently 4.69%, would require 35 monthly payments of £1,055.54 and 37 monthly payments of £1,070.03, plus one initial interest payment of £4.95.
The total amount payable would be £76,639.95 made up of the loan amount plus interest £6,980.95 and a mortgage exit fee of £100.
The overall cost for comparison is 3.3% APRC representative.

Product name Initial interest rate Followed by our SVR^, currently The overall cost for comparison is Minimum interest rate payable Interest calculated Cost to transfer to this product* Early repayment charges Further details
Capital and Interest Repayment
2 year 2.45% discount2.34%4.79%3.4% APRC2.14%MonthlyNilYesClick here
3 year 2.20% discount 2.59% 4.79% 3.3% APRC 2.39% Monthly Nil Yes Click here
5 year 2.05% discount 2.74% 4.79% 3.2% APRC 2.54% Monthly Nil Yes Click here

Representative example:
A mortgage of £106,977.00 over 5 years on a discounted variable rate for 2 years at 2.45% below our monthly standard variable rate and then on our monthly standard variable rate, currently 4.79%, would require 23 monthly payments of £1,891.02 and 37 monthly payments of £1,961.51, plus one initial interest payment of £212.99.
The total amount payable would be £116,382.32 made up of the loan amount plus interest £9,305.32 and a mortgage exit fee of £100.
The overall cost for comparison is 3.4% APRC representative.

Product name Initial interest rate Followed by our SVR^, currently The overall cost for comparison is Minimum interest rate payable Interest calculated Cost to transfer to this product* Early repayment charges Further details
Interest Only
3 year 1.60% discount 3.09% 4.69% 3.7% APRC 2.89% Annually Nil Yes Click here

Representative example:
A mortgage of £69,559.00 payable over 6 years on a discounted variable rate for 3 years at 1.60% below our annual standard variable rate and then on our annual standard variable rate, currently 4.69%, would require 35 monthly payments of £1,073.23 and 37 monthly payments of £1,077.36 plus one initial interest payment of £5.89.
The total amount payable would be £77,531.26 plus interest £7,872.26 and a mortgage exit fee of £100.
The overall cost for comparison is 3.7% APRC representative.

Product name Initial interest rate Followed by our SVR^, currently The overall cost for comparison is Minimum interest rate payable Interest calculated Cost to transfer to this product* Early repayment charges Further details
Interest Only
2 year 1.95% discount2.84%4.79%4.1% APRC2.64%MonthlyNilYesClick here
3 year 1.70% discount 3.09% 4.79% 4.1% APRC 2.89% Monthly Nil Yes Click here
5 year 1.55% discount 3.24% 4.79% 4.0% APRC 3.04% Monthly Nil Yes Click here

Representative example:
A mortgage of £69,559.00 payable over 6 years initially on a discounted variable rate for 3 years at 1.70% below our monthly standard variable rate, and then on our monthly standard variable rate, currently 4.79%, would require 35 monthly payments of £179.11 and 37 monthly payments of £277.57, plus one initial interest payment of £182.98.
The total amount payable would be £86,380.92 made up of the loan amount plus interest £16,721.92 and a mortgage exit fee of £100.
The overall cost for comparison is 4.1% APRC representative.

FIXED RATES

Product name Initial interest rate Followed by our SVR^, currently The overall cost for comparison is Minimum interest rate payable Interest calculated Cost to transfer to this product* Early repayment charges Further details
Capital and Interest Repayment
3 year fixed rate until 30/04/2021 2.69% 4.69% 3.8% APRC No Annually Nil Yes Click here

Representative example:
A mortgage of £60,123.00 payable over 10 years initially on a fixed rate for 3 years at 2.69% and then on our annual standard variable rate, currently 4.69%, for the remaining 7 years would require 39 monthly payments of £578.10 and 81 monthly payments of £613.83, plus one initial interest payment of £4.43.
The total amount payable would be £72,370.56 made up of the loan amount plus interest £12,147.56 and a mortgage exit fee of £100.
The overall cost for comparison is 3.8% APRC representative.

Product name Initial interest rate Followed by our SVR^, currently The overall cost for comparison is Minimum interest rate payable Interest calculated Cost to transfer to this product* Early repayment charges Further details
Capital and Interest Repayment
2 year fixed rate until 31/05/2020 2.44% 4.79% 3.9% APRC No Monthly Nil Yes Click here
3 year fixed rate until 30/04/2021 2.69% 4.79% 3.7% APRC No Monthly Nil Yes Click here
5 year fixed rate until 30/04/2023 2.84% 4.79% 3.4% APRC No Monthly Nil Yes Click here

Representative example:
A mortgage of £64,356.00 payable over 10 years initially on a fixed rate for 2 years at 2.44% and then on our monthly standard variable rate, currently 4.79%, for the remaining 8 years would require 28 monthly payments of £604.93 and 92 monthly payments of £659.16 plus one initial interest payment of £133.62.
The total amount payable would be £77,814.38 made up of the loan amount plus interest £13,358.38 and a mortgage exit fee of £100.
The overall cost for comparison is 3.9% APRC representative.

Product name Initial interest rate Followed by our SVR^, currently The overall cost for comparison is Minimum interest rate payable Interest calculated Cost to transfer to this product* Early repayment charges Further details
Interest Only
3 year fixed rate until 30/04/2021 3.19% 4.79% 4.3% APRC No Monthly Nil Yes Click here

Representative example:
A mortgage of £60,123.00 payable over 10 years initially on a fixed rate for 3 years at 3.19% and then on our monthly standard variable rate, currently 4.79%, for the remaining 7 years would require 39 monthly payments of £159.83 and 81 monthly payments of £239.87, plus one initial interest payment of £163.29.
The total amount payable would be £86,049.13 made up of the loan amount plus interest £25,826.13 and a mortgage exit fee of £100.
The overall cost for comparison is 4.3% APRC representative.

Product name Initial interest rate Followed by our SVR^, currently The overall cost for comparison is Minimum interest rate payable Interest calculated Cost to transfer to this product* Early repayment charges Further details
Interest Only
3 year fixed rate until 30/04/2021 3.19% 4.69% 4.1% APRC No Annually Nil Yes Click here

Representative example:
A mortgage of £60,123.00 payable over 10 years initially on a fixed rate for 3 years at 3.19% and then on our annual standard variable rate, currently 4.69%, for the remaining 7 years would require 39 monthly payments of £593.06 and 81 monthly payments of £618.33 plus one initial interest payment of £5.25.
The total amount payable would be £73,319.32 made up of the loan amount plus interest £13,096.32 and a mortgage exit fee of £100.
The overall cost for comparison is 4.1% APRC representative.

FAMILY FIRST GUARANTOR MORTGAGE FIXED RATE

Product name Initial interest rate Followed by our SVR^, currently The overall cost for comparison is Minimum interest rate payable Interest calculated Cost to transfer to this product* Early repayment charges Further details
Capital and Interest Repayment
3 year fixed rate until 28/02/2021 2.84% 4.79% 4.1% APRC No Monthly Nil Yes Click here

Only available to existing Family First borrowers.

Representative example:
A mortgage of £14,000.00 payable over 9 years initially on a fixed rate for 3 years at 2.84% and then on our monthly standard variable rate, currently 4.79%, for the remaining 6 years would require 37 monthly payments of £147.05 and 71 monthly payments of £155.30, plus one initial interest payment of £33.84.
The total amount payable would be £16,725.99 made up of the loan amount plus interest £2,500.99 and a mortgage exit fee of £100.
The overall cost for comparison 4.1% APRC representative.

Product name Initial interest rate Followed by our SVR^, currently The overall cost for comparison is Minimum interest rate payable Interest calculated Cost to transfer to this product* Early repayment charges Further details
Interest Only
3 year fixed rate until 28/02/2021 2.84% 4.79% 4.4% APRC No Monthly Nil Yes Click here

Only available to existing interest only Family First borrowers.

Representative example:
A mortgage of £14,000 payable over 9 years initially on a fixed rate for 3 years at 2.84% and then on our monthly standard variable rate, currently 4.79%, for the remaining 6 years would require 37 monthly payments of £33.13 and 71 monthly payments of £55.86, plus one initial interest payment of £33.84.
The total amount payable would be £19,450.71 made up of the loan amount plus interest £5,225.71 and a mortgage exit fee of £100.
The overall cost for comparison is 4.4% APRC representative.

BASE RATE TRACKER MORTGAGES

Product nameInitial interest rate Followed by our SVR^, currentlyThe overall cost for comparison isMinimum interest rate payableInterest calculatedCost to transfer to this product*Early repayment chargesFurther details
Capital and Interest Repayment Only
BRT +2.19% for 3 years2.69%4.79%4.2% APRC2.49%MonthlyNilYesClick here

During initial tracker period, interest rate changes are effective from 25th day of the month following a change in the Bank of England Bank Rate.

Representative example:
A mortgage of £89,708.00 payable over 19 years on our tracker rate for 3 years at 2.19% above the Bank of England Bank Rate and then on our monthly standard variable rate, currently 4.79%, would require 35 monthly payments of £502.96 and 193 monthly payments of £585.47, plus one initial interest payment of £205.37.
The total amount payable would be £130,904.68 made up of the loan amount plus interest of £41,096.68 and a mortgage exit fee of £100.
The overall cost for comparison is 4.2% APRC representative.

Product nameInitial interest rate Followed by our SVR^, currentlyThe overall cost for comparison isMinimum interest rate payableInterest calculatedCost to transfer to this product*Early repayment chargesFurther details
Interest Only
BRT +2.69% for 3 years3.19%4.79%4.6% APRC2.99%MonthlyNilYesClick here

During initial tracker period, interest rate changes are effective from 25th day of the month following a change in the Bank of England Bank Rate.

Representative example:
A mortgage of £89,708.00 payable over 19 years on our tracker rate for 3 years at 2.69% above the Bank of England Bank Rate and then on our monthly standard variable rate, currently 4.79%, would require 35 monthly payments of £238.47 and 193 monthly payments of £357.97, plus one initial interest payment of £243.64.
The total amount payable would be £167,486.30 made up of the loan amount plus interest of £77,678.30 and a mortgage exit fee of £100.
The overall cost for comparison is 4.6% APRC representative.


What is a representative example?

This is an illustration of a typical mortgage and its total cost.

FOOTNOTES

^ SVR stands for Standard Variable Rate.

* Please note the cost to transfer fee is not fixed on loans exceeding £1 million. In this instance final costs will be outlined in a personal illustration.

THE MORTGAGE WILL BE SECURED ON YOUR HOME
YOUR HOME MAY BE REPOSSESED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE