• Service update - due to planned essential maintenance our Online Service will be unavailable on Friday 28 January from 18:00 until Saturday 29 January 12:00.

  • Following the Bank of England’s decision to raise the Bank Rate by 0.15% to 0.25% in December 2021, Windfall Bond and Tracker Savings Bond rates increased by 0.15% from 1 January 2022. Tracker mortgages changed from 25 January and we have written to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage. We will be considering our other savings and our variable mortgage rates after the Bank of England MPC meeting on 3 February. (Notice updated 19/01/22)

  • Please note that the Premium Saver (5) has now been withdrawn from sale. 
    If you have opened an account, you may add funds until 3pm, 7 February 2022, after this no additions will be allowed.

2.39% 3 year discounted rate by 2.00%

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

2.39% 3 year discounted rate by 2.00%

2.39% 4.39% 4.1%APRC
  • Interest-Only
60% £999~

Key things to bear in mind

· Purpose - Purchase, remortgage, product switch and further advance 
· Discount - 2.00% applied to our Managed Mortgage Rate for 3 years
· Minimum rate - 2.29% 
· Loan to Value - Maximum 60%
· Fees:
- Application fee -  £175 + Valuation Fee for purchase and remortgage. £125 for further advance. £0 for product switches
- Valuation Fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
~Product Fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount
· Early Repayment Charges -  3% for the first year, 2% for the second year, 1% for the third year
· Maximum loan - No maximum. 
· Minimum loan - £2,000 for further advance. No minimum for product switches
· Cost for comparison - 4.1% APRC

Affordability calculator Email us Ask us to call back Summary & fees

Representative example

A mortgage of £170,000.00 payable over 16 years initially on a discounted variable rate for 3 years at 2.00% below our variable Managed Mortgage Rate  and then on our variable Managed Mortgage Rate, currently 4.39% would require 35 monthly payments of £338.58 and 157 monthly payments of £621.93 plus one initial interest payment of £312.31.

The total amount payable would be £281,079.62 made up of the loan amount plus interest of £109,805.62, an Application Fee of £175, a Product Fee of £999 and a Mortgage Exit Fee of £100.

The overall cost for comparison is 4.1% APRC representative.

Case study - A repayment mortgage even in retirement

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

View full case study

Over 125 years of helping people move in

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

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Savings - 03330 140144

Mortgages - 03330 140146

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