Want to switch your deal?

If your existing special rate period is coming to an end or you want to switch to another product, we've got a great range of member exclusive products to choose from.

Please check individual products for their launch date.

Early Repayment Charges may apply and other fees and charges may apply.

Your mortgage is secured on your home. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Member exclusive products

Initial rate of Changing to our Standard variable rate currently... Overall Cost For Comparison Maximum Loan to Value Fees Features
Interest Only Member Exclusive Discount Mortgage D370 3.24% Until 31 January, 2021 5.95% 5.6% APRC 90%
Product Fee £0
Account Fee £0
Valuation fees? Yes

The interest rate you pay on this mortgage will not fall below 3.24%.

A £215 Additional Borrowing Fee and a £125 re-inspection fee are payable where applicable.

Full details
Discount Mortgage D382 2.04% Until 28 February, 2021 5.95% 5.1% APRC 80%
Product Fee £0
Account Fee £0
Valuation fees? Yes

The interest rate you pay on this mortgage will not fall below 2.04%.

A £215 Additional Borrowing Fee and a £125 re-inspection fee are payable where applicable.

Full details
Discount Mortgage D384 2.24% Until 31 January, 2022 5.95% 4.9% APRC 80%
Product Fee £0
Account Fee £0
Valuation fees? Yes

The interest rate you pay on this mortgage will not fall below 2.24%.

A £215 Additional Borrowing Fee and a £125 re-inspection fee are payable where applicable.

Full details
Discount Mortgage D385 3.89% Until 31 January, 2022 5.95% 5.4% APRC 95%
Product Fee £0
Account Fee £0
Valuation fees? Yes

The interest rate you pay on this mortgage will not fall below 3.89%.

A £215 Additional Borrowing Fee and a £125 re-inspection fee are payable where applicable.

Full details
Member Exclusive Fixed Rate Mortgage FR291 2.45% Until 30 April, 2021 5.95% 5.0% APRC 80%
Product Fee £0
Account Fee £0
Valuation fees? Yes

The 2.45% interest rate you pay on this loan will not go up or down during the fixed rate period.

A £125 re-inspection fee is payable where applicable.

Available from 1 January 2019.

Full details
Member Exclusive Fixed Rate Mortgage FR292 2.75% Until 30 April, 2022 5.95% 4.7% APRC 80%
Product Fee £0
Account Fee £0
Valuation fees? Yes

The 2.75% interest rate you pay on this loan will not go up or down during the fixed rate period.

A £125 re-inspection fee is payable where applicable.

Available from 1 January 2019.

Full details
Member Exclusive Fixed Rate Mortgage FR293 3.09% Until 30 April, 2024 5.95% 4.3% APRC 80%
Product Fee £0
Account Fee £0
Valuation fees? Yes

The 3.09% interest rate you pay on this loan will not go up or down during the fixed rate period.

A £125 re-inspection fee is payable where applicable.

Available from 1 January 2019.

Full details
Buy to Let Member Exclusive Discount Mortgage D379 3.19% Until 30 April, 2022 5.95% 5.1% APRC 80%
Product Fee £0
Account Fee £0
Valuation fees? Yes

This discount mortgage could be available to you if you are buying up to three properties which you plan to let.

Available on Capital and interest or Interest only basis.

Available from 1 January 2019.

Full details
Interest Only Member Exclusive Discount Mortgage D389 3.09% Until 30 April, 2022 5.95% 5.4% APRC 70%
Product Fee £0
Account Fee £0
Valuation fees? Yes

The interest rate you pay on this mortgage will not fall below 3.09%.

A £215 Additional Borrowing Fee and a £125 re-inspection fee are payable where applicable.

Available from 1 January 2019.

Full details

Society-wide representative example

A mortgage of £120,000.00 payable over 19 years initially on a fixed rate for 2 years at 2.25% and then on our current Standard Variable Rate of 5.95% (variable) for the remaining 17 years would require 24 monthly payments of £650.09 and 204 monthly payments of £859.28.

The total amount payable would be £190,985.28 made up of the loan amount (£120,000) plus interest (£70,375.96) plus product fee £399, account fee of £120 and mortgage exit fee of £90.

The overall cost for comparison is 5.3% APRC representative.

This representative example assumes a mortgage completion date on the 1st day of a calendar month.

The above representative example is for illustration purposes only and may vary depending on your personal circumstances.


Check out all our products

Browse our range of mortgage products to find the right product for you. Existing borrowers can also access the range of exclusive loyalty products above, which can be discussed via a conversation with one of our dedicated mortgage advisors.

See our deals


Use our calculators to check payments

Our calculators are designed to help you get an understanding of what you can afford when looking for a new home and mortgage. Our three calculators can help you understand how much you can borrow, how much we will lend you and how much your repayments will be.

Do some calculations


Come in and talk things through

Sometimes it's easier to discuss things face-to-face. All our branches have a mortage advisor ready and waiting to talk. If you’d like to discuss your options or you think you need advice, call in at your local branch.            

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