The Benefits

  • A straight forward and hassle free process
  • A procuration fee of 0.20%
  • No further credit checks on your client on a like for like product transfer
  • No legal or valuation costs
  • A mortgage offer within 2 working days of an approved mortgage transfer request
  • The ability to complete a term reduction/increase and/or repayment method*, when completing a product transfer

*When completing a term or repayment method change, please refer to our lending criteria.

Procuration Fees

We aim to support our brokers and your clients by offering a straight forward and hassle free process on product switches, as well as a procuration fee for you.

Products for existing members

We have a range of member exclusive mortgages and we have made the process of switching mortgages straightforward.

5 Year Fixed Rate (Existing Members Buy to Let) – 75% LTV

Initial rate

5.19%

Overall cost for comparison

6.80% APRC

Product fee

No Fee

Early Repayment Charges and other fees may apply.

Based on a mortgage of £120,000.00 payable over 21 years, initially on our 5.19% Fixed rate for 5 years and 3 months, and then on our Standard Variable rate currently 8.09% for the remaining 15 years and 9 months. This would require 63 monthly payments of £782.85 and all remaining instalments of £946.27.
The total amount payable would be £228,209.58, made up of the loan amount plus interest of £108,209.58, a product fee of £0 and account fee of £0.
The overall cost for comparison is 6.80% APRC.
If all or part of your income is in a currency other than Pound Sterling (£), you should be aware about the risks of fluctuations in currency exchange rates. If the value of the relevant currency moves against you by at least 20% then that may make it more difficult for you to afford your mortgage payments.
The Representative Example is based on mortgages sold between 01/01/2018 – 31/12/2018 and if you were to take your mortgage product as at 27/01/2024.
All above information is for illustration purposes only and may vary depending on personal circumstances.

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2 Year Discount Variable Existing Members – 80% LTV

Initial rate

6.04%

Overall cost for comparison

7.90% APRC

Product fee

No Fee

Early Repayment Charges and other fees may apply.

Based on a mortgage of £126,900.00 payable over 25 years, initially on our 6.04% Discount Variable rate for 2 years and 2 months, and then on our Standard Variable rate currently 8.09% for the remaining 22 years and 10 months. This would require 26 monthly payments of £820.72 and all remaining instalments of £976.45.
The total amount payable would be £288,931.02, made up of the loan amount plus interest of £162,031.02, a product fee of £0 and account fee of £0.
The overall cost for comparison is 7.90% APRC.
If all or part of your income is in a currency other than Pound Sterling (£), you should be aware about the risks of fluctuations in currency exchange rates. If the value of the relevant currency moves against you by at least 20% then that may make it more difficult for you to afford your mortgage payments.
The Representative Example is based on mortgages sold between 01/01/2018 – 31/12/2018 and if you were to take your mortgage product as of 01/03/2024.
All above information is for illustration purposes only and may vary depending on personal circumstances.

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2 Year Fixed Rate Existing Members – 90% LTV

Initial rate

5.59%

Overall cost for comparison

7.70% APRC

Product fee

No Fee

Early Repayment Charges and other fees may apply.

Based on a mortgage of £120,000.00 payable over 21 years, initially on our 5.59% Fixed rate for 2 years and 2 months, and then on our Standard Variable rate currently 8.09% for the remaining 18 years and 10 months. This would require 26 monthly payments of £810.15 and all remaining instalments of £976.13.
The total amount payable would be £241,714.28, made up of the loan amount plus interest of £121,714.28, a product fee of £0 and account fee of £0.
The overall cost for comparison is 7.70% APRC.
If all or part of your income is in a currency other than Pound Sterling (£), you should be aware about the risks of fluctuations in currency exchange rates. If the value of the relevant currency moves against you by at least 20% then that may make it more difficult for you to afford your mortgage payments.
The Representative Example is based on mortgages sold between 01/01/2018 – 31/12/2018 and if you were to take your mortgage product as of 01/03/2024.
All above information is for illustration purposes only and may vary depending on personal circumstances.

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5 Year Fixed Rate Existing Members – 80% LTV

Initial rate

4.79%

Overall cost for comparison

6.60% APRC

Product fee

No Fee

Early Repayment Charges and other fees may apply.

Based on a mortgage of £120,000.00 payable over 21 years, initially on our 4.79% fixed rate for 5 years and 2 months, and then on our Standard Variable rate currently 8.09% for the remaining 15 years and 10 months. This would require 62 monthly payments of £756.06 and all remaining instalments of £940.20.
The total amount payable would be £225,558.72, made up of the loan amount plus interest of £105,558.72 a product fee of £0 and account fee of £0.
The overall cost for comparison is 6.60% APRC.
If all or part of your income is in a currency other than Pound Sterling (£), you should be aware about the risks of fluctuations in currency exchange rates. If the value of the relevant currency moves against you by at least 20% then that may make it more difficult for you to afford your mortgage payments.
The Representative Example is based on mortgages sold between 01/01/2018 – 31/12/2018 and if you were to take your mortgage product as at 01/12/2023.
All above information is for illustration purposes only and may vary depending on personal circumstances.

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2 Year Fixed Rate (Existing Members – Buy to Let) – 75% LTV

Initial rate

5.69%

Overall cost for comparison

7.70% APRC

Product fee

No Fee

Early Repayment Charges and other fees may apply.

Based on a mortgage of £120,000.00 payable over 21 years, initially on our 5.69% Fixed rate for 2 year and 3 months, and then on our Standard Variable rate currently 8.09% for the remaining 18 years and 9 months. This would require 27 monthly payments of £817.05 and all remaining instalments of £976.23. The total amount payable would be £241,757.10, made up of the loan amount plus interest of £121,757.10, a product fee of £0 and account fee of £0.
The overall cost for comparison is 7.70% APRC.
If all or part of your income is in a currency other than Pound Sterling (£), you should be aware about the risks of fluctuations in currency exchange rates. If the value of the relevant currency moves against you by at least 20% then that may make it more difficult for you to afford your mortgage payments.
The Representative Example is based on mortgages sold between 01/01/2018 – 31/12/2018 and if you were to take your mortgage product as at 27/01/2024.
All above information is for illustration purposes only and may vary depending on personal circumstances.

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2 Year Fixed Rate Existing Members – 80% LTV

Initial rate

5.19%

Overall cost for comparison

7.60% APRC

Product fee

No Fee

Early Repayment Charges and other fees may apply.

Based on a mortgage of £120,000.00 payable over 21 years, initially on our 5.19% Fixed rate for 2 years and 2 months, and then on our Standard Variable rate currently 8.09% for the remaining 18 years and 10 months. This would require 26 monthly payments of £782.85 and all remaining instalments of £973.37.
The total amount payable would be £240,380.72, made up of the loan amount plus interest of £120,380.72 a product fee of £0 and account fee of £0. The overall cost for comparison is 7.60% APRC.
If all or part of your income is in a currency other than Pound Sterling (£), you should be aware about the risks of fluctuations in currency exchange rates. If the value of the relevant currency moves against you by at least 20% then that may make it more difficult for you to afford your mortgage payments.
The Representative Example is based on mortgages sold between 01/01/2018 – 31/12/2018 and if you were to take your mortgage product as of 01/03/2024.
All above information is for illustration purposes only and may vary depending on personal circumstances.

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Please note: This section of our website is for use by FCA authorised intermediaries only. If you are a customer please refer to our mortgage section.