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 £57,894.00 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 £763.89 and 49 monthly payments of £790.65, plus one initial interest payment of £4.19.
The total amount payable would be £65,582.19 made up of the loan amount plus interest of £7,588.19 and a mortgage exit fee of £100.
The overall cost for comparison is 3.6% APRC representative.

Representative example:
A mortgage of £57,894.00 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 £755.61 and 49 monthly payments of £791.84, plus one initial interest payment of £130.09.
The total amount payable would be £65,476.60 made up of the loan amount plus interest of £7,482.60 and a mortgage exit fee of £100.
The overall cost for comparison is 3.6% APRC representative.

Representative example:
A mortgage of £57,894.00 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 £151.49 and 49 monthly payments of £238.36 plus one initial interest payment of £4.98.
The total amount payable would be £74,980.77 plus interest of £16,986.77 and a mortgage exit fee of £100.
The overall cost for comparison is 4.2% APRC representative.

Representative example:
A mortgage of £57,894.00 payable over 7 years 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 £151.49 and 49 monthly payments of £243.08, plus one initial interest payment of £154.79.
The total amount payable would be £75,361.86 made up of the loan amount plus interest of £17,367.86 and a mortgage exit fee of £100.
The overall cost for comparison is 4.3% APRC representative.

FIXED RATES

A mortgage of £70,595.00 payable over 9 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 6 years would require 41 monthly payments of £755.21 and 67 monthly payments of £790.09, plus one initial interest payment of £5.78.
The total amount payable would be £84,005.42 made up of the loan amount plus interest of £13,310.42 and a mortgage exit fee of £100.
The overall cost for comparison is 4.0% APRC representative.

Representative example:
A mortgage of £48,290.00 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 £459.41 and 91 monthly payments of £500.04 plus one initial interest payment of £110.57.
The total amount payable would be £59,037.10 made up of the loan amount plus interest of £10,647.10 and a mortgage exit fee of £100.
The overall cost for comparison is 4.1% APRC representative.

Representative example:
A mortgage of £70,595.00 payable over 9 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 6 years would require 41 monthly payments of £205.31 and 67 monthly payments of £296.42, plus one initial interest payment of £209.85.
The total amount payable would be £99,182.70 made up of the loan amount plus interest of £28,487.70 and a mortgage exit fee of £100.
The overall cost for comparison is 4.5% APRC representative.

Representative example:
A mortgage of £70,595.00 payable over 9 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 6 years would require 41 monthly payments of £205.31 and 67 monthly payments of £290.66 plus one initial interest payment of £6.75.
The total amount payable would be £98,593.68 made up of the loan amount plus interest of £27,898.68 and a mortgage exit fee of £100
The overall cost for comparison is 4.4% 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 £662.09, plus one initial interest payment of £309.15.
The total amount payable would be £202,660.63 made up of the loan amount plus interest of £85,059.63 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 £493.38, plus one initial interest payment of £309.15.
The total amount payable would be £264,593.93 made up of the loan amount plus interest of £146,992.93 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 £149,547.00 payable over 8 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 £1,736.52 and 61 monthly payments of £1,836.21, plus one initial interest payment of £348.79.
The total amount payable would be £173,235.80 made up of the loan amount plus interest of £23,588.80 and a mortgage exit fee of £100.
The overall cost for comparison is 3.8% 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 £149,547.00 payable over 8 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 £403.78 and 61 monthly payments of £627.89, plus one initial interest payment of £412.62.
The total amount payable would be £202,493.21 made up of the loan amount plus interest of £52,846.21 and a mortgage exit fee of £100.
The overall cost for comparison is 4.4% 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