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

Representative example:
A mortgage of £52,884.00 payable over 7 years on a discounted variable rate for 3 years at 2.30% below our annual standard variable rate and then on our annual standard variable rate, currently 4.94%, would require 35 monthly payments of £697.79 and 49 monthly payments of £723.08, plus one initial interest payment of £3.83.
The total amount payable would be £59,957.40 made up of the loan amount plus interest of £6,973.40 and a mortgage exit fee of £100.
The overall cost for comparison is 3.6% APRC representative.

Representative example:
A mortgage of £52,884.00 payable over 7 years on a discounted variable rate for 3 years at 2.40% below our monthly standard variable rate and then on our monthly standard variable rate, currently 5.04%, would require 35 monthly payments of £690.22 and 49 monthly payments of £723.27, plus one initial interest payment of £118.85.
The total amount payable would be £59,816.78 made up of the loan amount plus interest of £6,832.78 and a mortgage exit fee of £100.
The overall cost for comparison is 3.6% APRC representative.

Representative example:
A mortgage of £52,884.00 payable over 7 years on a discounted variable rate for 3 years at 1.80% below our annual standard variable rate and then on our annual standard variable rate, currently 4.94%, would require 35 monthly payments of £138.38 and 49 monthly payments of £217.72 plus one initial interest payment of £4.55.
The total amount payable would be £68,500.13 plus interest of £15,516.13 and a mortgage exit fee of £100.
The overall cost for comparison is 4.2% APRC representative.

Representative example:
A mortgage of £52,884.00 payable over 7 years initially on a discounted variable rate for 3 years at 1.90% below our monthly standard variable rate, and then on our monthly standard variable rate, currently 5.04%, would require 35 monthly payments of £138.38 and 49 monthly payments of £222.04, plus one initial interest payment of £141.41.
The total amount payable would be £68,848.67 made up of the loan amount plus interest of £15,864.67 and a mortgage exit fee of £100.
The overall cost for comparison is 4.3% APRC representative.

FIXED RATES

A mortgage of £70,959.00 payable over 8 years initially on a fixed rate for 3 years at 2.99% and then on our annual standard variable rate, currently 4.94%, for the remaining 5 years would require 40 monthly payments of £834.91 and 56 monthly payments of £863.98, plus one initial interest payment of £5.76.
The total amount payable would be £81,885.04 made up of the loan amount plus interest of £11,426.04 and a mortgage exit fee of £100.
The overall cost for comparison is 3.9% APRC representative.

Representative example:
A mortgage of £39,252.00 payable over 10 years initially on a fixed rate for 2 years at 2.69% and then on our monthly standard variable rate, currently 5.04%, for the remaining 8 years would require 29 monthly payments of £373.43 and 91 monthly payments of £406.38 plus one initial interest payment of £89.88.
The total amount payable would be £47,999.93 made up of the loan amount plus interest of £8,647.93 and a mortgage exit fee of £100.
The overall cost for comparison is 4.1% APRC representative.

Representative example:
A mortgage of £70,359.00 payable over 8 years initially on a fixed rate for 3 years at 3.49% and then on our monthly standard variable rate, currently 5.04%, for the remaining 5 years would require 40 monthly payments of £204.63 and 56 monthly payments of £295.35, plus one initial interest payment of £209.17. 
The total amount payable would be £95,392.97 made up of the loan amount plus interest of £24,933.97 and a mortgage exit fee of £100.
The overall cost for comparison is 4.5% APRC representative.

Representative example:
A mortgage of £70,359.00 payable over 8 years initially on a fixed rate for 3 years at 3.49% and then on our annual standard variable rate, currently 4.94%, for the remaining 5 years would require 40 monthly payments of £204.63 and 56 monthly payments of £289.67, plus one initial interest payment of £6.73.
The total amount payable would be £94,872.45 made up of the loan amount plus interest of £24,413.45 and a mortgage exit fee of £100.
The overall cost for comparison is 4.3% APRC representative.

FAMILY FIRST GUARANTOR MORTGAGE FIXED RATE

Only available to existing Family First borrowers.

Representative example:
A mortgage of £117,501.00 payable over 26 years initially on a fixed rate for 3 years at 3.09% and then on our monthly standard variable rate, currently 5.04%, for the remaining 23 years would require 38 monthly payments of £548.39 and 274 monthly payments of £661.97, plus one initial interest payment of £309.18.
The total amount payable would be £202,627.78 made up of the loan amount plus interest of £85,026.78 and a mortgage exit fee of £100.
The overall cost for comparison 4.6% APRC representative.

Only available to existing interest only Family First borrowers.

Representative example:
A mortgage of £117,501.00 payable over 26 years initially on a fixed rate for 3 years at 3.09% and then on our monthly standard variable rate, currently 5.04%, for the remaining 23 years would require 38 monthly payments of £302.57 and 274 monthly payments of £493.29, plus one initial interest payment of £309.18.
The total amount payable would be £264,569.30 made up of the loan amount plus interest of £146,968.30 and a mortgage exit fee of £100.
The overall cost for comparison is 4.8% APRC representative.

BASE RATE TRACKER MORTGAGES

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 £194,906.00 payable over 18 years on our tracker rate for 3 years at 1.99% above the Bank of England Bank Rate and then on our monthly standard variable rate, currently 5.04%, would require 35 monthly payments of £1,144.09 and 181 monthly payments of £1,337.85, plus one initial interest payment of £454.63.
The total amount payable would be £282,748.63 made up of the loan amount plus interest of £87,742.63 and a mortgage exit fee of £100.
The overall cost for comparison is 4.4% APRC representative.

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 £194,906.00 payable over 18 years on our tracker rate for 3 years at 2.49% above the Bank of England Bank Rate and then on our monthly standard variable rate, currently 5.04%, would require 35 monthly payments of £526.25 and 181 monthly payments of £818.33, plus one initial interest payment of £537.82.
The total amount payable would be £362,080.30 made up of the loan amount plus interest of £167,074.30 and a mortgage exit fee of £100.
The overall cost for comparison is 4.8% 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