• Please note that the Premium Saver (6) has now been withdrawn from sale.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)

4.04% 2 year fixed rate until 31/10/2024 JMSO

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

4.04% 2 year fixed rate until 31/10/2024 JMSO

4.04% 5.54% 5.4%APRC
  • Repayment
80% £599~

£500 cashback for remortgages^

Key things to bear in mind

  • Purpose - Joint Mortgage Sole Owner applications for purchase, remortgage, product switch and further advance. Also available for product switch and further advance for existing guarantor mortgages.
  • Loan to Value - Maximum 80%
  • Fixed Rate end date - 31/10/2024
  • Application Fee - £175 + Valuation Fee. (£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. (£0 for further advance. £0 for product switch)
  • ~Product Fee - £599.  (£0 for further advance. £0 for product switch)
  • ^Cashback - £500 for remortgage applications
  • Early Repayment Charges - 2% until 31/10/2023, 1% until 31/10/2024
  • Maximum loan - £500,000
  • Minimum loan - £45,000 for purchase and remortgage. £2,000 for further advance. No minimum for product switches
  • Cost for comparison - 5.4% APRC
  • Additional criteria - The mortgage must complete by 03/10/2022
Affordability calculator Email us Ask us to call back Summary & fees

Representative example

A mortgage of £226,000.00 payable over 25 years initially on a fixed rate for 2 years at 4.04% and then on our variable Managed Mortgage Rate, currently 5.54% would require 26 monthly payments of £1,197.91 and 274 monthly payments of £1,378.31 plus one initial interest payment of £778.03.

The total amount payable would be £410,454.63 made up of the loan amount plus interest of £183,580.63, an Application Fee of £175, a Product Fee of £599 and a Mortgage Exit Fee of £100.

The overall cost for comparison is 5.4% 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.


More about who we areView our awards

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Savings - 03330 140141

Mortgages - 03330 140140

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Mortgages - 03330 140146

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