Our mortgage customers say...
Mortage customer"You soon get to know the people you are dealing with, which helps to take the stress out of your mortgage."Mrs Main
Fixed until 31/05/2024
Early Repayment Charges apply.
This product may be withdrawn at any time.
There is an arrangement fee of £999. This fee can be paid up front by deducting the fee from the mortgage amount or added to the amount you borrow.
If you add the fee to your mortgage you will pay interest on the fee at the same rate as your mortgage.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There is a minimum mortgage amount of £50,000.
This product offers a maximum mortgage amount of £500,000.
There is a minimum property value of £75,000 increasing to £250,000 for properties located within the M25 corridor.
The maximum loan to value of this product is 90% of the purchase price or valuation, whichever is lower.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The minimum repayment term is 5 years and the maximum repayment term is 35 years.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Early Repayment Charges apply during the product term. Up to 10% of the original mortgage amount can be overpaid each year without charge, however, if the mortgage is redeemed or switched to another product during the product term, then the full amount of the Early Repayment Charge will apply.
The Early Repayment Charge will be calculated at:
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Our mortgage tariff of charges shows the fees and charges that apply during your mortgage term.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
A mortgage of £154,500 payable over 30 years initially on a fixed rate to 31 May 2024, currently 3.19% and then our SVR, currently 4.94% for the remaining term would require an initial payment of £685.26 followed by 38 monthly payments of £671.63 and 321 monthly payments of £814.38.
The total amount payable would be £288,173.18 made up of the loan amount plus interest (£133,123.18), a mortgage arrangement fee of £999, a mortgage valuation fee of £250, legal fees of £150, a telegraphic transfer fee of £25 and mortgage exit fees of £125.
The overall cost for comparison is 4.6% APRC representative.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
We don't operate a computer credit score system, each application is reviewed individually by a real person. At enquiry stage we will complete a credit check and once a full application is submitted we will carry out a full credit application that will leave a footprint on your credit file.
We currently accept Right to Buy and Forces Help to Buy schemes. For more information on Government schemes and what we can accept, please see our Government schemes guide.
Interest starts accruing on your mortgage from the day your mortgage completes. As we do not collect a payment during the month that your mortgage completes, your first monthly repayment will include this accrued interest and is therefore higher than your normal monthly repayments.
Monday - Tuesday | 09:00 - 17:00 |
Wednesday | 09:30 - 17:00 |
Thursday - Friday | 09:00 - 17:00 |
Saturday | 09:00 - 12:00 |
Sunday | Closed |
Our mortgage customers say...
Mortage customer"You soon get to know the people you are dealing with, which helps to take the stress out of your mortgage."Mrs Main
Our mortgage customers say...
Mortgage customer read more"My experience with the Society has allowed me to get a mortgage I am happy with and I know they are only at the other end of the phone if and when I need them."Miss Savell-Boss
Your home may be repossessed if you do not keep up repayments on your mortgage.