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The following is a representative example based on a mortgage of £178,487 payable over 25 years initially on a discounted variable rate of 5.29% for 2 years, a further discounted rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,073.80, 48 payments of £1,264.89 and 228 monthly payments of £1,384.82.

The total amount payable would be £403,523.88 made up of the loan amount plus interest of £223,737.88 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.7% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £178,487 payable over 25 years initially on a discounted variable rate of 5.99% for 2 years, a further discounted rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,148.90, 48 payments of £1,269.98 and 228 payments of £1,390.38.

The total amount payable would be £406,813.28 made up of the loan amount plus interest of £227,052.28 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.8% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £178,487 payable over 25 years initially on a discounted variable rate of 5.29% for 2 years, a further discounted rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,073.80, 48 payments of £1,264.89 and 228 monthly payments of £1,384.82.

The total amount payable would be £403,523.88 made up of the loan amount plus interest of £223,737.88 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.7% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £178,487 payable over 25 years initially on a discounted variable rate of 5.99% for 2 years, a further discounted rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,148.90, 48 payments of £1,269.98 and 228 payments of £1,390.38.

The total amount payable would be £406,813.28 made up of the loan amount plus interest of £227,052.28 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.8% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a discounted variable rate of 5.05% for 2 years, a further discounted variable rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,272.74, 48 payments of £1,533.00 and 228 monthly payments of £1,678.35.

The total amount payable would be £488,142.56 made up of the loan amount plus interest of £270,159.56 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£275.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.6% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a discounted variable rate of 5.20% for 2 years, a further discounted variable rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,291.79, 48 payments of £1,534.40 and 228 monthly payments of £1,679.88.

The total amount payable would be £488,965.80 made up of the loan amount plus interest of £271,032.80 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.7% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a discounted variable rate of 5.35% for 2 years, a further discounted variable rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,310.99, 48 payments of £1,535.78 and 228 monthly payments of £1,681.39.

The total amount payable would be £489,837.12 made up of the loan amount plus interest of £271,904.12 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.7% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £247,496 payable over 25 years initially on a discounted variable rate of 5.65% for 2 years, a further discounted variable rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,542.09, 48 payments of £1,757.63 and 228 monthly payments of £1,924.28.

The total amount payable would be £561,411.24 made up of the loan amount plus interest of £312,616.24 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.8% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £247,496 payable over 25 years initially on a discounted variable rate of 5.99% for 2 years, a further discounted variable rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,593.11, 48 payments of £1,760.99 and 228 monthly payments of £1,927.95.

The total amount payable would be £563,633.76 made up of the loan amount plus interest of £314,838.76 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.8% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a discounted variable rate of 5.05% for 2 years, a further discounted variable rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,272.74, 48 payments of £1,533.00 and 228 monthly payments of £1,678.35.

The total amount payable would be £488,142.56 made up of the loan amount plus interest of £270,159.56 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£275.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.7% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

Please note this representative example takes into account the reduction in interest rates due to take effect on 25th July 2025.

Standard Variable Rate rate (8.39% reducing to 8.29%) and Follow on Variable Rate (7.14% reducing to 7.04%). The representative example uses the lower Standard Variable Rate of 8.29% and Follow on Variable Rate of 7.04%.

The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 5.89% until 31st October 2027, a further discounted rate of 7.04% until 31st October 2031, followed by our Standard Variable Rate of 8.29%. In this example you would make 29 monthly payments of £1,147.67, 48 payments of £1,267.55 and 223 monthly payments of £1,386.22.

The total amount payable would be £404,850.89 made up of the loan amount plus interest of £223,251.89 and the following costs, a Scheme Fee (£1,299.00), a Chaps fee (£25.00), a standard Valuation fee (£225.00) and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.7% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

Please note this representative example takes into account the reduction in interest rates due to take effect on 25th July 2025.

Standard Variable Rate rate (8.39% reducing to 8.29%) and Follow on Variable Rate (7.14% reducing to 7.04%). The representative example uses the lower Standard Variable Rate of 8.29% and Follow on Variable Rate of 7.04%.

The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 6.19% until 31st October 2027, a further discounted rate of 7.04% until 31st October 2031, followed by our Standard Variable Rate of 8.29%. In this example you would make 29 monthly payments of £1,180.74, 48 payments of £1,270.08 and 223 monthly payments of £1,388.99.

The total amount payable would be £406,499.07 made up of the loan amount plus interest of £224,950.07 and the following costs, a Scheme Fee (£1,299.00), a Chaps fee (£25.00), a standard Valuation fee (£175.00) and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.8% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

Please note this representative example takes into account the reduction in interest rates due to take effect on 25th July 2025.

Standard Variable Rate rate (8.39% reducing to 8.29%) and Follow on Variable Rate (7.14% reducing to 7.04%). The representative example uses the lower Standard Variable Rate of 8.29% and Follow on Variable Rate of 7.04%.

The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 5.99% until 31st October 2027, a further discounted rate of 7.04% until 31st October 2031, followed by our Standard Variable Rate of 8.29%. In this example you would make 29 monthly payments of £1,158.64, 48 payments of £1,268.40 and 223 monthly payments of £1,387.16.

The total amount payable would be £405,419.44 made up of the loan amount plus interest of £223,820.44 and the following costs, a Scheme Fee (£1,299.00), a Chaps fee (£25.00), a standard Valuation fee (£225.00) and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.7% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

Please note this representative example takes into account the reduction in interest rates due to take effect on 25th July 2025.

Standard Variable Rate rate (8.39% reducing to 8.29%) and Follow on Variable Rate (7.14% reducing to 7.04%). The representative example uses the lower Standard Variable Rate of 8.29% and Follow on Variable Rate of 7.04%.

The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 6.29% until 31st October 2027, a further discounted rate of 7.04% until 31st October 2031, followed by our Standard Variable Rate of 8.29%. In this example you would make 29 monthly payments of £1,191.86, 48 payments of £1,270.91 and 223 monthly payments of £1,389.89.

The total amount payable would be £407,112.09 made up of the loan amount plus interest of £225,513.09 and the following costs, a Scheme Fee (£1,299.00), a Chaps fee (£25.00), a standard Valuation fee (£225.00) and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.8% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a discounted variable rate of 5.49% for 2 years, a further discounted variable rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,329.03, 48 payments of £1,537.04 and 228 monthly payments of £1,682.77.

The total amount payable would be £490,995.20 made up of the loan amount plus interest of £272,712.20 and the following costs, a Scheme Fee of (£1,299.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£275.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.7% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a discounted variable rate of 6.69% for 2 years, a further discounted variable rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,488.55, 48 payments of £1,547.10 and 228 monthly payments of £1,693.79.

The total amount payable would be £497,744.12 made up of the loan amount plus interest of £279,536.12 and the following costs, a Scheme Fee of (£1,299.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 8.0% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634.00 payable over 25 years initially on a discounted variable rate of 5.79% for 2 years, a further discounted variable rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,368.10, 48 payments of £1,539.69 and 228 monthly payments of £1,685.67.

The total amount payable would be £492,721.28 made up of the loan amount plus interest of £274,438.28 and the following costs, a Scheme Fee of (£1,299.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£275.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.8% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a discounted variable rate of 6.79% for 2 years, a further variable discounted rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,502.23, 48 payments of £1,547.88 and 228 monthly payments of £1,694.63.

The total amount payable would be £498,351.40 made up of the loan amount plus interest of £280,093.40 and the following costs, a Scheme Fee of (£1,299.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£250.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 8.0% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634.00 payable over 25 years initially on a discounted variable rate of 5.84% for 2 years, a further discounted variable rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,374.67, 48 payments of £1,540.12 and 228 monthly payments of £1,686.14.

The total amount payable would be £492,231.76 made up of the loan amount plus interest of £274,723.76 and the following costs, a Scheme Fee of (£599.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.8% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634.00 payable over 25 years initially on a discounted variable rate of 6.09% for 2 years, a further discounted variable rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,407.72, 48 payments of £1,542.24 and 228 monthly payments of £1,688.47.

The total amount payable would be £493,657.96 made up of the loan amount plus interest of £276,149.96 and the following costs, a Scheme Fee of (£599.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.8% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £700,000 payable over 25 years initially on a discounted variable rate of 6.00% for 2 years, a further discounted variable rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £4,510.11 payments of £4,980.93 and 228 monthly payments of £5,453.19. This example assumes the repayment method is capital and interest.

The total amount payable would be £1,595,984.60 made up of the loan amount plus interest of £890,654.60 and the following costs, a Scheme Fee of (£3,500.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£945.00), a Packager's Fee (£695.00), and Application Fee (£115.00) and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.9% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £160,315 payable over 25 years initially on a discounted variable rate of 6.00% for 2 years, a further discounted variable rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,032.91, 48 payments of £1,140.74 and 228 monthly payments of £1,248.90 This example assumes the repayment method is capital and interest.

The total amount payable would be £367,183.56 made up of the loan amount plus interest of £203,979.56 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£505.00), a Packager's Fee (£695.00), and Application Fee (£115.00) and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 8.0% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £160,315 over 25 years initially on a discounted rate of 6.80% for 2 years followed by our Standard Variable Rate of 8.39%. This example you would make 24 monthly payments of £1,112.70 and 276 payments of £1,269.89. This example assumes the repayment method is capital and interest.

The total amount payable would be £378,469.44 made up of the loan amount, plus interest of £216,879.44, a Funds Transfer Fee (£25.00), Valuation fee (£505.00), a Buildloan Arrangement fee (£695.00), and a Mortgage Exit Administration fee (£50.00).

The overall cost for comparison is 8.5% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £160,315 payable over 25 years initially on a discounted variable rate of 5.80% for 2 years, a further discounted variable rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,013.40, 48 payments of £1,139.47 and 228 monthly payments of £1,247.51. This example assumes the repayment method is capital and interest.

The total amount payable would be £365,525.02 made up of the loan amount plus interest of £203,133.44 and the following costs, a Scheme Fee of (£801.58), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£505.00), a Packager's Fee (£695.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.9% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £160,315 over 25 years initially on a discounted rate of 6.99% for 2 years followed by our Standard Variable Rate of 8.39%. This example you would make 24 monthly payments of £1,132.05 and 276 payments of £1,271.08. This example assumes the repayment method is capital and interest.

The total amount payable would be £379,262.28 made up of the loan amount, plus interest of £217,672.28, a Funds Transfer Fee (£25.00), Valuation fee (£505.00), a Buildloan Arrangement fee (£695.00), and a Mortgage Exit Administration fee (£50.00).

The overall cost for comparison is 8.5% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

Initial Interest Rate: The following is a representative example based on a mortgage of £160,315 payable over 25 years initially on a discounted variable rate of 6.25% for 2 years, a further discounted variable rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,057.55, 48 payments of £1,142.28 and 228 monthly payments of £1,250.59. This example assumes the repayment method is capital and interest.

The total amount payable would be £368,119.16 made up of the loan amount plus interest of £205,030.16 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£505.00), a Packager's Fee (£695.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 8.0% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

Please note this representative example takes into account the reduction in interest rates due to take effect on 25th July 2025.

Initial Interest Rate (5.50% reducing to 5.40%), Follow on Variable Rate (7.14% reducing to 7.04%) and Standard Variable Rate rate (8.39% reducing to 8.29%). The representative example uses the lower Follow on Variable Rate of 7.04% and Standard Variable Rate of 8.29%.

The following is a representative example based on a mortgage of £200,000 over 25 years initially on a discounted rate of 5.50%, reducing to 5.40%, for a total of 2 years, followed by a discounted rate of 7.04% for 4 years and then by our Standard Variable Rate of 8.29%. In this example you would make 2 monthly payments of £1,228.17, 22 monthly payments of £1,216.32, 48 monthly payments of £1,406.33 and 228 payments of £1,540.20. This example assumes the repayment method is capital and interest.

The total amount payable would be £450,279.82 made up of the loan amount, plus interest of £247,884.82, a Funds Transfer Fee (£25.00), Valuation fee (£625.00), a Scheme fee of (£1000.00), a Buildloan Arrangement fee (£695.00), and a Mortgage Exit Administration fee (£50.00).

The overall cost for comparison is 7.7% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a discounted variable rate of 5.49% for 2 years, a further discounted variable rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,329.03, 48 payments of £1,537.04 and 228 monthly payments of £1,682.77.

The total amount payable would be £489,621.20 made up of the loan amount plus interest of £272,712.20 and the following costs, a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.7% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a fixed rate of 5.49% until 30th April 2027, a further discounted rate of 7.14% until 30th April 2031, followed by our Standard Variable Rate of 8.39%. In this example you would make 26 monthly payments of £1,329.03, 48 payments of £1,535.88 and 226 monthly payments of £1,680.56.

The total amount payable would be £488,358.58 made up of the loan amount plus interest of £271,449.58 and the following costs, a Chaps fee (£25.00), a standard Valuation fee (£200.00) and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.60% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a discounted variable rate of 6.79% for 2 years, a further discounted variable rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would 24 monthly payments of £1,502.23, 48 payments of £1,547.88 and 228 monthly payments of £1,694.63.

The total amount payable would be £497,626.40 made up of the loan amount plus interest of £280,093.40 and the following costs, a Scheme Fee of (£599.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 8.0% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a discounted variable rate of 6.79% for 2 years, a further discounted variable rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would 24 monthly payments of £1,502.23, 48 payments of £1,547.88 and 228 monthly payments of £1,694.63.

The total amount payable would be £497,626.40 made up of the loan amount plus interest of £280,093.40 and the following costs, a Scheme Fee of (£599.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 8.0% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

Please note this representative example takes into account the reduction in interest rates due to take effect on 25th July 2025.

Initial Interest Rate (3.99% reducing to 3.89%) and Standard Variable Rate rate (8.39% reducing to 8.29%). The representative example uses the lower Standard Variable Rate of 8.29%.

The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a discounted variable rate of 3.99%, reducing to 3.89%, for a total of 2 years, followed by our Standard Variable Rate of 8.29%. In this example you would make 2 payments of £949.11, 22 monthly payments of £939.26 followed by 276 monthly payments of £1,390.25.

The total amount payable would be £411,970.94 made up of the loan amount plus interest of £226,270.94 and the following costs, a Scheme Fee of (£5,400.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 8.0% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

Please note this representative example takes into account the reduction in interest rates due to take effect on 25th July 2025.

Initial Interest Rate (3.99% reducing to 3.89%) and Standard Variable Rate rate (8.39% reducing to 8.29%). The representative example uses the lower Standard Variable Rate of 8.29%.

The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a discounted variable rate of 3.99%, reducing to 3.89%, for a total of 2 years, followed by our Standard Variable Rate of 8.29%. In this example you would make 2 payments of £949.11, 22 monthly payments of £939.26 followed by 276 monthly payments of £1,390.25.

The total amount payable would be £411,970.94 made up of the loan amount plus interest of £226,270.94 and the following costs, a Scheme Fee of (£5,400.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 8.0% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £142,1472 payable over 25 years initially on a discounted variable rate of 5.20% for 2 years followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £849.56 followed by 276 monthly payments of £1,118.67.

The total amount payable would be £330,916.36 made up of the loan amount plus interest of £186,670.36 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 8.1% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £142,472 payable over 25 years initially on a discounted variable rate of 5.40% for 2 years followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £866.41 followed by 276 monthly payments of £1,120.00.

The total amount payable would be £331,687.84 made up of the loan amount plus interest of £187,441.84 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 8.2% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £142,472 payable over 25 years initially on a discounted variable rate of 5.20% for 2 years followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £849.56 followed by 276 monthly payments of £1,118.67.

The total amount payable would be £330,916.36 made up of the loan amount plus interest of £181,670.36 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 8.1% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £142,472 payable over 25 years initially on a discounted variable rate of 5.40% for 2 years followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £866.41 followed by 276 monthly payments of £1,120.00.

The total amount payable would be £331,687.84 made up of the loan amount plus interest of £187,441.84 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 8.2% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £142,472 payable over 25 years initially on a discounted variable rate of 5.85% for 2 years followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £904.93 followed by 276 monthly payments of £1,122.90.

The total amount payable would be £333,387.72 made up of the loan amount plus interest of £184,166.72 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£175.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 8.3% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £142,472 payable over 25 years initially on a discounted variable rate of 5.85% for 2 years followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £904.93 followed by 276 monthly payments of £1,122.90.

The total amount payable would be £333,412.72 made up of the loan amount plus interest of £189,166.72 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 8.3% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634.00 payable over 25 years initially on a discounted variable rate of 5.84% for 2 years, a further discounted variable rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,374.67, 48 payments of £1,540.12 and 228 monthly payments of £1,686.14.

The total amount payable would be £492,231.76 made up of the loan amount plus interest of £274,723.76 and the following costs, a Scheme Fee of (£599.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.8% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £142,472 payable over 25 years initially on a discounted variable rate of 6.39% for 2 years followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £952.21 followed by 276 monthly payments of £1,126.19.

The total amount payable would be £335,430.48 made up of the loan amount plus interest of £191,207.48, and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£175.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 8.4% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £142,472 payable over 25 years initially on a discounted variable rate of 6.64% for 2 years followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £974.48 followed by 276 monthly payments of £1,127.64.

The total amount payable would be £336,365.16 made up of the loan amount plus interest of £192,142.16 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£175.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 8.5% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a discounted variable rate of 5.94% for 2 years, a further discounted variable rate of 7.14% for 4 years, followed by our Standard Variable Rate of 8.39%. In this example you would make 24 monthly payments of £1,387.84, 48 payments of £1,540.97 and 228 monthly payments of £1,687.08.

The total amount payable would be £493,227.96 made up of the loan amount plus interest of £275,294.96 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225.00), and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.8% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

Please note this representative example takes into account the reduction in interest rates due to take effect on 25th July 2025.

Standard Variable Rate rate (8.39% reducing to 8.29%) and Follow on Variable Rate (7.14% reducing to 7.04%). The representative example uses the lower Standard Variable Rate of 8.29% and Follow on Variable Rate of 7.04%.

The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 5.79% until 31st October 2027, a further discounted rate of 7.04% until 31st October 2031, followed by our Standard Variable Rate of 8.29%. In this example you would make 29 monthly payments of £1,136.75, 48 payments of £1,266.69 and 223 monthly payments of £1,385.28.

The total amount payable would be £403,933.31 made up of the loan amount plus interest of £222,684.31 and the following costs, a Scheme Fee (£999.00), a Chaps fee (£25.00), a standard Valuation fee (£175.00) and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.6% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

Please note this representative example takes into account the reduction in interest rates due to take effect on 25th July 2025.

Standard Variable Rate rate (8.39% reducing to 8.29%) and Follow on Variable Rate (7.14% reducing to 7.04%). The representative example uses the lower Standard Variable Rate of 8.29% and Follow on Variable Rate of 7.04%.

The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 5.79% until 31st October 2027, a further discounted rate of 7.04% until 31st October 2031, followed by our Standard Variable Rate of 8.29%. In this example you would make 29 monthly payments of £1,136.75, 48 payments of £1,266.69 and 223 monthly payments of £1,385.28.

The total amount payable would be £402,934.31 made up of the loan amount plus interest of £222,684.31 and the following costs, a Chaps fee (£25.00), a standard Valuation fee (£175.00) and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.6% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634.00 payable over 25 years initially on a fixed rate of 5.29% until 28th February 2030, a further discounted rate of 7.14% until 28th February 2031, followed by our Standard Variable Rate of 8.39%. In this example you would make 58 monthly payments of £1,303.29, 12 payments of £1,512.20 and 230 monthly payments of £1,656.51.

The total amount payable would be £475,009.52 made up of the loan amount plus interest of £258,100.52 and the following costs, a Chaps fee (£25.00), a standard Valuation fee (£200.00) and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.2% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

Please note this representative example takes into account the reduction in interest rates due to take effect on 25th July 2025.

Standard Variable Rate rate (8.39% reducing to 8.29%) and Follow on Variable Rate (7.14% reducing to 7.04%). The representative example uses the lower Standard Variable Rate of 8.29% and Follow on Variable Rate of 7.04%.

The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 5.89% until 31st October 2027, a further discounted rate of 7.04% until 31st October 2031, followed by our Standard Variable Rate of 8.29%. In this example you would make 29 monthly payments of £1,147.67, 48 payments of £1,267.55 and 223 monthly payments of £1,386.22.

The total amount payable would be £404,850.89 made up of the loan amount plus interest of £223,251.89 and the following costs, a Scheme Fee (£1,299.00), a Chaps fee (£25.00), a standard Valuation fee (£225.00) and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.7% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

Please note this representative example takes into account the reduction in interest rates due to take effect on 25th July 2025.

Standard Variable Rate rate (8.39% reducing to 8.29%) and Follow on Variable Rate (7.14% reducing to 7.04%). The representative example uses the lower Standard Variable Rate of 8.29% and Follow on Variable Rate of 7.04%.

The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 6.19% until 31st October 2027, a further discounted rate of 7.04% until 31st October 2031, followed by our Standard Variable Rate of 8.29%. In this example you would make 29 monthly payments of £1,180.74, 48 payments of £1,270.08 and 223 monthly payments of £1,388.99.

The total amount payable would be £406,499.07 made up of the loan amount plus interest of £224,950.07 and the following costs, a Scheme Fee (£1,299.00), a Chaps fee (£25.00), a standard Valuation fee (£175.00) and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.8% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

Please note this representative example takes into account the reduction in interest rates due to take effect on 25th July 2025.

Standard Variable Rate rate (8.39% reducing to 8.29%) and Follow on Variable Rate (7.14% reducing to 7.04%). The representative example uses the lower Standard Variable Rate of 8.29% and Follow on Variable Rate of 7.04%.

The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 5.99% until 31st October 2027, a further discounted rate of 7.04% until 31st October 2031, followed by our Standard Variable Rate of 8.29%. In this example you would make 29 monthly payments of £1,158.64, 48 payments of £1,268.40 and 223 monthly payments of £1,387.16.

The total amount payable would be £405,419.44 made up of the loan amount plus interest of £223,820.44 and the following costs, a Scheme Fee (£1,299.00), a Chaps fee (£25.00), a standard Valuation fee (£225.00) and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.7% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

Please note this representative example takes into account the reduction in interest rates due to take effect on 25th July 2025.

Standard Variable Rate rate (8.39% reducing to 8.29%) and Follow on Variable Rate (7.14% reducing to 7.04%). The representative example uses the lower Standard Variable Rate of 8.29% and Follow on Variable Rate of 7.04%.

The following is a representative example based on a mortgage of £180,000 payable over 25 years initially on a fixed rate of 6.29% until 31st October 2027, a further discounted rate of 7.04% until 31st October 2031, followed by our Standard Variable Rate of 8.29%. In this example you would make 29 monthly payments of £1,191.86, 48 payments of £1,270.91 and 223 monthly payments of £1,389.89.

The total amount payable would be £407,112.09 made up of the loan amount plus interest of £225,513.09 and the following costs, a Scheme Fee (£1,299.00), a Chaps fee (£25.00), a standard Valuation fee (£225.00) and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.8% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a fixed rate of 5.49% until 30th April 2027, a further discounted rate of 7.14% until 30th April 2031, followed by our Standard Variable Rate of 8.39%. In this example you would make 26 monthly payments of £1,329.03, 48 payments of £1,535.88 and 226 monthly payments of £1,680.56.

The total amount payable would be £488,358.58 made up of the loan amount plus interest of £271,449.58 and the following costs, a Chaps fee (£25.00), a standard Valuation fee (£200.00) and a Mortgage Exit Administration Fee (£50.00).

The overall cost for comparison is 7.60% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.