Notices

Please note that the Premium Saver (6) has now been withdrawn from sale. If you have opened an account, you may add funds until 3pm, 16 August 2022, after this no additions will be allowed. Find out more.
Rate changes following Bank of England decision to raise its Bank Rate to 1.75% on 4 August 2022.

Savings: Rate increases for Windfall Bond and Tracker Savings Bond apply from 1 September. (Updated 04/08/22)
Mortgages: Tracker mortgages will change on 25 September and we will write to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage. (Updated 04/08/22)

4.09% 5 year fixed rate until 30/09/2027

The mortgage will be secured on your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Initial interest rate	Current follow on rate	Overall cost for comparison	Repayment or Interest-Only?	Max % Loan to Value (LTV)	Product fees	Additional benefits
4.09% 5 year fixed rate until 30/09/2027
4.09%	6.29%	5.2%APRC	Interest-Only Repayment	70%	£0

Key things to bear in mind

Purpose - Product switch and further advance
Loan to Value - Maximum 70%
Fixed Rate end date - 30/09/2027
Application fee - £125 for further advance. £0 for product switches
Valuation Fees - £0
Legal fees - £100 minimum for further advances
Product fee - £0
Early Repayment Charges - 5% until 30/09/2023, 4% until 30/09/2024, 3% until 30/09/2025, 2% until 30/09/2026, 1% until 30/09/2027
Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
Minimum loan - £2,000 for further advance. No minimum for product switches.
Cost for comparison - 5.2% APRC
Additional criteria - For further advances, the mortgage must complete by 03/10/2022

Buy to Let calculator Email us Ask us to call back Summary & fees

Christine and her husband were looking for a repayment mortgage in their retirement but needed a long mortgage term.

For a long time we've been trusted to lend to a wide variety of people with a more small scale, personal approach as shown in our awards.

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Savings - 03330 140141

Mortgages - 03330 140140

Savings - 03330 140144

Mortgages - 03330 140146

We can call you back at a time that suits you.

Ashley Square, Epsom, Surrey, KT18 5DD.

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