The Benefits

  • A straight forward and hassle free process
  • A procuration fee of 0.30%
  • No further credit checks on your client on a like-for-like product transfer
  • No legal or valuation costs
  • A mortgage offer is instant of an approved mortgage transfer request

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 of 0.30% 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) – 90% LTV

Initial rate

5.49%

Overall cost for comparison

7.00% APRC

Product fee

No Fee

Early Repayment Charges and other fees may apply.

Based on a mortgage of £120,000 payable over 21 years, initially on our 5.49% 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 £803.28 and all remaining instalments of £952.03.
The total amount payable would be £230,734.06, made up of the loan amount plus interest of £110,734.06, a product fee of £0 and account fee of £0.
The overall cost for comparison is 7.00% 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 01/05/2024.
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

5.74%

Overall cost for comparison

7.80% 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 5.74% Discount Variable rate for 2 years and 1 months, and then on our Standard Variable rate currently 8.09% for the remaining 22 years and 11 months. This would require 27 monthly payments of £797.57 and all remaining instalments of £974.19.
The total amount payable would be £287,533.26, made up of the loan amount plus interest of £160,633.26, a product fee of £0 and account fee of £0.
The overall cost for comparison is 7.80% 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 of 02/04/2024.
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

5.89%

Overall cost for comparison

7.80% 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 5.89% 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 £830.94 and all remaining instalments of £978.14.
The total amount payable would be £242,709.08, made up of the loan amount plus interest of £122,709.08, a product fee of £0 and account fee of £0.
The overall cost for comparison is 7.80% 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 of 03/05/2024.
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

5.09%

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 5.09% 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 £776.11 and all remaining instalments of £945.33.
The total amount payable would be £227,776,52, made up of the loan amount plus interest of £107,776.52 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 of 01/05/2024.
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 – 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 5 months, and then on our Standard Variable rate currently 8.09% for the remaining 18 years and 7 months. This would require 29 monthly payments of £817.05 and all remaining instalments of £975.07. The total amount payable would be £241,180.06, made up of the loan amount plus interest of £121,180.06, 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 12/04/2024.
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

5.49%

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 5.49% 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 £803.28 and all remaining instalments of £975.45.
The total amount payable would be £241,381.98, made up of the loan amount plus interest of £121,381.98 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 03/05/2024.
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.