# Compare All

Below you will find all the mortgage products that we currently offer.

You are able to filter these using the filter tab and you can ‘star’ your favourites to view for a comparison.

## Our mortgages

#### Filters

##### What type of mortgage are you looking for?

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This information is a guide providing an estimate of what your monthly mortgage payment could be and is based on the information you've given. Further information is required when you choose a mortgage and you will be given a full mortgage illustration before you make a decision.

All cases are underwritten individually by our qualified underwriters. Call the mortgage team on 01257 235001.

You can mark products as favourites, allowing you to gather all your favourited items for a side-by-side comparison.

Later Life - 2 Year Discount 60% LTV

Initial Interest Rate

5.99%

Maximum Loan To Value (LTV)

60%

Overall Cost for Comparison

8.20%

Product Code

IP211

The following is a representative example based on a mortgage of £230,000.00 payable over 25 years initially on a discounted variable rate of 5.99% for 2 years, a further discounted rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,631.07, 23 monthly payments of £1,480.50, 48 payments of £1,685.40 and 228 monthly payments of £1,843.60.

The total amount payable would be £538,296.57 made up of the loan amount plus interest of £306,922.57 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 (£75.00).

**The overall cost for comparison is 8.20% APRC representative.**

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

Later Life - 2 Year Discount 75% LTV

Initial Interest Rate

6.99%

Maximum Loan To Value (LTV)

75%

Overall Cost for Comparison

8.30%

Product Code

IP238

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a discounted variable rate of 6.99% for 2 years, a further discounted rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,843.83, 23 monthly payments of £1,624.20, 48 payments of £1,692.30 and 228 payments of £1,845.70.

The total amount payable would be £542,599.43 made up of the loan amount plus interest of £311,250.43 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£250.00), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.30% APRC representative.**

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

Later Life - 2 Year Discount 60% LTV Remortgage

Initial Interest Rate

5.99%

Maximum Loan To Value (LTV)

60%

Overall Cost for Comparison

8.10%

Product Code

IP239

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a discounted variable rate of 5.99% for 2 years, a further discounted rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,668.71, 23 monthly payments of £1,480.50, 48 payments of £1,684.20 and 228 payments of £1,837.00.

The total amount payable would be £536,771.81 made up of the loan amount plus interest of £305,397.81 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 (£75.00).

**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.

Later Life - 2 Year Discount 75% LTV Remortgage

Initial Interest Rate

6.99%

Maximum Loan To Value (LTV)

75%

Overall Cost for Comparison

8.30%

Product Code

IP240

The following is a representative example based on a mortgage of £230,000.00 payable over 25 years initially on a discounted variable rate of 6.99% for 2 years, a further discounted rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,843.83, 23 monthly payments of £1,624.20, 48 payments of £1,692.30 and 228 monthly payments of £1,845.70.

The total amount payable would be £542,599.43 made up of the loan amount plus interest of £311,250.43 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£250.00), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.30% APRC representative.**

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

Later Life Lending - 5 Year Fixed Rate 75% LTV fixed until 30.06.2029

Initial Interest Rate

5.65%

Maximum Loan To Value (LTV)

75%

Overall Cost for Comparison

7.60%

Product Code

IP255

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a fixed rate of 5.65% until 30th June 2029, a further discounted rate of 1.25% until 30th June 2030, followed by our Standard Variable Rate of 8.74%. In this example you would make 61 monthly payments of £1,433.08, 12 payments of £1,655.81 and 227 payments of £1,810.15.

The total amount payable would be £519,540.65 made up of the loan amount plus interest of £288,191.65 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£250.00), and a Mortgage Exit Administration Fee (£75.00).

**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.

Later Life Lending - 5 Year Fixed Rate 75% LTV Remortgage fixed until 30.06.2029

Initial Interest Rate

5.65%

Maximum Loan To Value (LTV)

75%

Overall Cost for Comparison

7.60%

Product Code

IP256

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a fixed rate of 5.65% until 30th June 2029, a further discounted rate of 1.25% until 30th June 2030, followed by our Standard Variable Rate of 8.74%. In this example you would make 61 monthly payments of £1,433.08, 12 payments of £1,655.81 and 227 payments of £1,810.15.

The total amount payable would be £519,540.65 made up of the loan amount plus interest of £288,191.65 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£250.00), and a Mortgage Exit Administration Fee (£75.00).

**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.

2 Year Discount 60% LTV

Initial Interest Rate

5.40%

Maximum Loan To Value (LTV)

60%

Overall Cost for Comparison

8.00%

Product Code

IP241

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a discounted variable rate of 5.40% for 2 years, a further discounted variable rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make 24 monthly payments of £1,398.70, 48 payments of £1,679.78 and 228 monthly payments of £1,836.85.

The total amount payable would be £534,374.04 made up of the loan amount plus interest of £303,000.04 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 (£75.00).

**The overall cost for comparison is 8.00% APRC representative.**

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

2 Year Discount 80% LTV

Initial Interest Rate

5.50%

Maximum Loan To Value (LTV)

80%

Overall Cost for Comparison

8.00%

Product Code

IP242

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a discounted variable rate of 5.50% for 2 years, a further discounted variable rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make 24 monthly payments of £1,412.40, 48 payments of £1,680.76 and 228 monthly payments of £1,837.93.

The total amount payable would be £534,946.12 made up of the loan amount plus interest of £303,622.12 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.00% APRC representative.**

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

2 Year Discount 85% LTV

Initial Interest Rate

5.65%

Maximum Loan To Value (LTV)

85%

Overall Cost for Comparison

8.00%

Product Code

IP207

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a discounted variable rate of 5.65% for 2 years, a further discounted variable rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make 24 monthly payments of £1,433.08, 48 payments of £1,682.22 and 228 monthly payments of £1,839.52.

The total amount payable would be £535,875.04 made up of the loan amount plus interest of £304,551.04 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 (£75.00).

**The overall cost for comparison is 8.00% APRC representative.**

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

2 Year Discount 90% LTV

Initial Interest Rate

5.95%

Maximum Loan To Value (LTV)

90%

Overall Cost for Comparison

8.10%

Product Code

IP244

The following is a representative example based on a mortgage of £230,000.00 payable over 25 years initially on a discounted variable rate of 5.95% for 2 years, a further discounted variable rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make 24 monthly payments of £1,474.87, 48 payments of £1,685.06 and 228 monthly payments of £1,842.63.

The total amount payable would be £537,723.40 made up of the loan amount plus interest of £306,399.40 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 (£75.00).

**The overall cost for comparison is 8.10% APRC representative.**

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

2 Year Discount 95%

Initial Interest Rate

6.50%

Maximum Loan To Value (LTV)

95%

Overall Cost for Comparison

8.20%

Product Code

IP209

The following is a representative example based on a mortgage of £230,000.00 payable over 25 years initially on a discounted variable rate of 6.50% for 2 years, a further discounted variable rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make 24 monthly payments of £1,552.98, 48 payments of £1,690.02 and 228 monthly payments of £1,848.05.

The total amount payable would be £541,046.88 made up of the loan amount plus interest of £309,747.88 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 (£75.00).

**The overall cost for comparison is 8.20% APRC representative.**

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

2 Year Discount 60% LTV Remortgage

Initial Interest Rate

5.40%

Maximum Loan To Value (LTV)

60%

Overall Cost for Comparison

8.00%

Product Code

IP246

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a discounted variable rate of 5.40% for 2 years, a further discounted variable rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make 24 monthly payments of £1,398.70, 48 payments of £1,679.78 and 228 monthly payments of £1,836.85.

The total amount payable would be £534,374.04 made up of the loan amount plus interest of £303,000.04 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 (£75.00).

**The overall cost for comparison is 8.00% APRC representative.**

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

2 Year Discount 80% LTV Remortgage

Initial Interest Rate

5.50%

Maximum Loan To Value (LTV)

80%

Overall Cost for Comparison

8.00%

Product Code

IP247

The following is a representative example based on a mortgage of £230,000.00 payable over 25 years initially on a discounted variable rate of 5.50% for 2 years, a further discounted rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make 24 monthly payments of £1,412.40, 48 payments of £1,680.76 and 228 monthly payments of £1,837.93.

The total amount payable would be £534,946.12 made up of the loan amount plus interest of £306,351.51 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 (£75.00).

**The overall cost for comparison is 8.00% APRC representative.**

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

Credit Renew 1 - 2 Year Discount 60% LTV

Initial Interest Rate

5.99%

Maximum Loan To Value (LTV)

60%

Overall Cost for Comparison

8.30%

Product Code

IP186

The following is a representative example based on a mortgage of £150,000 payable over 25 years initially on a discounted variable rate of 5.99% for 2 years, a further discounted variable rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,408.70, 23 monthly payments of £965.60, 48 payments of £1,100.10 and 228 monthly payments of £1,203.70.

The total amount payable would be £352,415.90 made up of the loan amount plus interest of £200,865.90 and the following costs, a Scheme Fee of (£1,250.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.30% APRC representative.**

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

Credit Renew 1 - 2 Year Discount 90% LTV

Initial Interest Rate

7.14%

Maximum Loan To Value (LTV)

90%

Overall Cost for Comparison

8.40%

Product Code

IP250

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a discounted variable rate of 7.14% for 2 years, a further discounted variable rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make 24 monthly payments of £1,646.19, 48 payments of £1,695.41 and 228 monthly payments of £1,853.95.

The total amount payable would be £545,163.84 made up of the loan amount plus interest of £313,588.84 and the following costs, a Scheme Fee of (£1,250.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.40% APRC representative.**

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

Credit Renew 2 - 2 Year Discount 60% LTV

Initial Interest Rate

6.19%

Maximum Loan To Value (LTV)

60%

Overall Cost for Comparison

8.30%

Product Code

IP219

The following is a representative example based on a mortgage of £230,000.00 payable over 25 years initially on a discounted variable rate of 6.19% for 2 years, a further discounted variable rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,819.99, 23 monthly payments of £1,508.80, 48 payments of £1,687.40 and 228 monthly payments of £1,846.00.

The total amount payable would be £540,030.59 made up of the loan amount plus interest of £308,405.59 and the following costs, a Scheme Fee of (£1,250.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£275.00), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.30% APRC representative.**

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

Credit Renew 2 - 2 Year Discount 75% LTV

Initial Interest Rate

7.49%

Maximum Loan To Value (LTV)

75%

Overall Cost for Comparison

8.50%

Product Code

IP251

The following is a representative example based on a mortgage of £230,000.00 payable over 25 years initially on a discounted variable rate of 7.49% for 2 years, a further variable discounted rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make 24 monthly payments of £1,698.18, 48 payments of £1,698.18 and 228 monthly payments of £1,856.98.

The total amount payable would be £547,260.40 made up of the loan amount plus interest of £315.660.40 and the following costs, a Scheme Fee of (£1,250.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£250.00), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.50% APRC representative.**

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

Discount Market Scheme - 2 Year Discount 95% LTV (Minimum of 30% OMV Discount)

Initial Interest Rate

6.19%

Maximum Loan To Value (LTV)

95%

Overall Cost for Comparison

8.20%

Product Code

IP224

The following is a representative example based on a mortgage of £230,000.00 payable over 25 years initially on a discounted variable rate of 6.19% for 2 years, a further discounted variable rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,858.89, 23 monthly payments of £1,508.80, 48 payments of £1,687.50 and 228 monthly payments of £1,846.10.

The total amount payable would be £539,371.09 made up of the loan amount plus interest of £308,472.09 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 (£75.00).

**The overall cost for comparison is 8.20% APRC representative.**

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

Discount Market Scheme - 2 Year Discount 95% LTV (Minimum of 20% OMV Discount)

Initial Interest Rate

6.44%

Maximum Loan To Value (LTV)

95%

Overall Cost for Comparison

8.30%

Product Code

IP223

The following is a representative example based on a mortgage of £230,000.00 payable over 25 years initially on a discounted variable rate of 6.44% for 2 years, a further discounted variable rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,908.63, 23 monthly payments of £1,544.40, 48 payments of £1,689.60 and 228 monthly payments of £1,848.50.

The total amount payable would be £540,887.63 made up of the loan amount plus interest of £309,988.63 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 (£75.00).

**The overall cost for comparison is 8.30% APRC representative.**

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

Buildloan Low LTV (60%) Self-Build Mortgage with Fee Incentives (£150,000 - £700,000)

Initial Interest Rate

6.10%

Maximum Loan To Value (LTV)

60%

Overall Cost for Comparison

8.30%

Product Code

IP230

The following is a representative example based on a mortgage of £200,000 payable over 25 years initially on a discounted variable rate of 6.10% for 2 years, a further discounted variable rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,534.23, 23 monthly payments of £1,300.90, 48 payments of £1,466.60 and 228 monthly payments of £1,604.40. This example assumes the repayment method is capital and interest.

The total amount payable would be £470,014.93 made up of the loan amount plus interest of £267,654.93 and the following costs, a Scheme Fee of (£1,000.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£565.00), a Packager's Fee (£695.00), and a Mortgage Exit

Administration Fee (£75.00).

**The overall cost for comparison is 8.30% APRC representative.**

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

Buildloan Self-Build Mortgage (£120,000 - £700,000)

Initial Interest Rate

6.65%

Maximum Loan To Value (LTV)

80%

Overall Cost for Comparison

8.50%

Product Code

IP227

The following is a representative example based on a mortgage of £200,000 payable over 25 years initially on a discounted variable rate of 6.65% for 2 years, a further discounted variable rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,696.35, 23 monthly payments of £1,369.30, 48 payments of £1,470.80 and 228 monthly payments of £1,609.00. This example assumes the repayment method is capital and interest.

The total amount payable would be £473,554.65 made up of the loan amount plus interest of £270,640.65 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£565.00), a Packager's Fee (£695.00), and Application Fee (£115.00) and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.50% APRC representative.**

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

Buildloan Self-Build Mortgage (£700,001 - £1,200,000)

Initial Interest Rate

6.75%

Maximum Loan To Value (LTV)

70%

Overall Cost for Comparison

8.40%

Product Code

IP228

The following is a representative example based on a mortgage of £700,000 payable over 25 years initially on a discounted variable rate of 6.75% for 2 years, a further discounted variable rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £5,998.29, 23 monthly payments of £4,836.40, 48 payments of £5,150.10 and 228 monthly payments of £5,634.30. This example assumes the repayment method is capital and interest.

The total amount payable would be £1,654,415.69 made up of the loan amount plus interest of £949,060.69 and the following costs, a Scheme Fee of (£3500), 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 (£75.00).

**The overall cost for comparison is 8.40% APRC representative.**

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

Buildloan Self-Build with Build Out Fee Incentive (£150,000 - £700,000)

Initial Interest Rate

7.59%

Maximum Loan To Value (LTV)

80%

Overall Cost for Comparison

9.00%

Product Code

IP229

The following is a representative example based on a mortgage of £200,000 over 25 years initially on a discounted rate of 7.59% for 2 years followed by our Standard Variable Rate of 8.74%. This example would require an initial payment of £1,863.08, then 23 monthly payments of £1,489.80 and 276 payments of £1,635.20. This example assumes the repayment method is capital and interest.

The total amount payable would be £488,743.68 made up of the loan amount, plus interest of £287,443.68, a Funds Transfer Fee (£25.00), Valuation fee (£505.00), a Buildloan Arrangement fee (£695.00), and a Mortgage Exit Administration fee (£75.00).

**The overall cost for comparison is 9.00% APRC representative.**

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

Buildloan Self-Build Accelerator Mortgage (£150,000 - £700,000)

Initial Interest Rate

7.29%

Maximum Loan To Value (LTV)

80%

Overall Cost for Comparison

8.60%

Product Code

IP232

Initial Interest Rate: The following is a representative example based on a mortgage of £200,000 payable over 25 years initially on a discounted variable rate of 7.29% for 2 years, a further discounted variable rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,729.65, 23 monthly payments of £1,450.80, 48 payments of £1,475.10 and 228 monthly payments of £1,613.70. This example assumes the repayment method is capital and interest.

The total amount payable would be £476,625.45 made up of the loan amount plus interest of £273,826.45 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 (£75.00).

**The overall cost for comparison is 8.60% APRC representative.**

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

Buildloan Self-Build Accelerator Mortgage (£150,000 - £700,000)

Initial Interest Rate

7.99%

Maximum Loan To Value (LTV)

80%

Overall Cost for Comparison

9.10%

Product Code

IP231

The following is a representative example based on a mortgage of £200,000 over 25 years initially on a discounted rate of 7.99% for 2 years followed by our Standard Variable Rate of 8.74%. This example would require an initial payment of £1,716.94 then 23 monthly payments of £1,542.30 and 276 payments of £1,637.80. This example assumes the repayment method is capital and interest.

The total amount payable would be £490,522.64 made up of the loan amount, plus interest of £289,222.64, a Funds Transfer Fee (£25.00), Valuation fee (£505.00), a Buildloan Arrangement fee (£695.00), and a Mortgage Exit Administration fee (£75.00).

**The overall cost for comparison is 9.10% APRC representative.**

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

Shared Ownership - Fixed Rate 90% LTV (fixed until 30.04.2025)

Initial Interest Rate

5.75%

Maximum Loan To Value (LTV)

90%

Overall Cost for Comparison

8.30%

Product Code

IP164

The following is a representative example based on a mortgage of £157,152 payable over 25 years initially on a fixed rate of 5.75% until 30th April 2025, a further discounted rate of 7.49% until 30th April 2030, followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,247.87, 18 monthly payments of £1,000.30, 60 payments of £1,165.40 and 221 monthly payments of £1,272.60.

The total amount payable would be £370,696.87 made up of the loan amount plus interest of £213,269.87 and the following costs, a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£175.00), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.30% APRC representative.**

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

Shared Ownership - 2 Year Discount 90% LTV

Initial Interest Rate

6.09%

Maximum Loan To Value (LTV)

90%

Overall Cost for Comparison

8.10%

Product Code

IP252

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a discounted variable rate of 6.09% for 2 years, a further discounted variable rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make 24 monthly payments of £1,494.57, 48 payments of £1,686.35 and 228 monthly payments of £1,844.04.

The total amount payable would be £538,579.60 made up of the loan amount plus interest of £307,255.60 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 (£75.00).

**The overall cost for comparison is 8.10% APRC representative.**

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

Help to Buy (Wales) - 2 Year Discount 75% LTV

Initial Interest Rate

7.14%

Maximum Loan To Value (LTV)

75%

Overall Cost for Comparison

8.40%

Product Code

IP225

The following is a representative example based on a mortgage of £230,000.00 payable over 25 years initially on a discounted variable rate of 7.14% for 2 years, a further discounted variable rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £2,050.02, 23 monthly payments of £1,646.20, 48 payments of £1,695.30 and 228 monthly payments of £1,854.60.

The total amount payable would be £545,084.82 made up of the loan amount plus interest of £314,135.82 and the following costs, a Scheme Fee of (£599.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£250.00), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.40% APRC representative.**

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

Help to Buy (E&W) - 2 Year Discount 75% LTV Remortgage

Initial Interest Rate

7.14%

Maximum Loan To Value (LTV)

75%

Overall Cost for Comparison

8.40%

Product Code

IP226

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a discounted variable rate of 7.14% for 2 years, a further discounted variable rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £2,050.02, 23 monthly payments of £1,646.20, 48 payments of £1,695.30 and 228 monthly payments of £1,854.60.

The total amount payable would be £545,084.82 made up of the loan amount plus interest of £314,135.82 and the following costs, a Scheme Fee of £599.00, a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£250.00), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.40% APRC representative.**

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

Buy to Let - 2 Year Discount 60% LTV (Consumer)

Initial Interest Rate

5.85%

Maximum Loan To Value (LTV)

60%

Overall Cost for Comparison

8.70%

Product Code

IP213C

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 5.85% for 2 years followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,246.46, then 23 monthly payments of £1,016,30 followed by 276 monthly payments of £1,297.30.

The total amount payable would be £384,500.16 made up of the loan amount plus interest of £222,676.16 and the following costs, a Scheme Fee of (£1499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.70% APRC representative.**

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

Buy to Let - 2 Year Discount 60% LTV (Investment)

Initial Interest Rate

5.85%

Maximum Loan To Value (LTV)

60%

Overall Cost for Comparison

8.70%

Product Code

IP213I

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 5.85% for 2 years followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,246.46, then 23 monthly payments of £1,016,30 followed by 276 monthly payments of £1,297.30.

The total amount payable would be £384,500.16 made up of the loan amount plus interest of £222,676.16 and the following costs, a Scheme Fee of (£1499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.70% APRC representative.**

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

Buy to Let - 2 Year Discount 70% LTV (Consumer)

Initial Interest Rate

6.14%

Maximum Loan To Value (LTV)

70%

Overall Cost for Comparison

8.70%

Product Code

IP214C

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 6.14% for 2 years followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,286.27, then 23 monthly payments of £1,044.70 followed by 276 monthly payments of £1,299.20.

The total amount payable would be £385,692.57 made up of the loan amount plus interest of £223,893.57 and the following costs, a Scheme Fee of (£1499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.70% APRC representative.**

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

Buy to Let - 2 Year Discount 70% LTV (Investment)

Initial Interest Rate

6.14%

Maximum Loan To Value (LTV)

70%

Overall Cost for Comparison

8.70%

Product Code

IP214I

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 6.14% for 2 years followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,286.27, then 23 monthly payments of £1,044.70 followed by 276 monthly payments of £1,299.20.

The total amount payable would be £385,692.57 made up of the loan amount plus interest of £223,893.57 and the following costs, a Scheme Fee of (£1499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.70% APRC representative.**

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

Buy to Let - 2 Year Discount 80% LTV (Investment)

Initial Interest Rate

6.74%

Maximum Loan To Value (LTV)

80%

Overall Cost for Comparison

8.90%

Product Code

IP215I

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 6.74% for 2 years followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,369.68, then 23 monthly payments of £1,104.50 followed by 276 monthly payments of £1,303.10.

The total amount payable would be £388,202.78 made up of the loan amount plus interest of £226,428.78, and the following costs, a Scheme Fee of (£1499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£175), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.90% APRC representative.**

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

Buy to Let - 2 Year Discount 80% LTV (Consumer)

Initial Interest Rate

6.74%

Maximum Loan To Value (LTV)

80%

Overall Cost for Comparison

8.90%

Product Code

IP215C

**The overall cost for comparison is 8.90% APRC representative.**

Buy to Let - First Time Landlord - 2 Year Discount 75% LTV (Consumer)

Initial Interest Rate

6.99%

Maximum Loan To Value (LTV)

75%

Overall Cost for Comparison

8.90%

Product Code

IP216

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 6.99% for 2 years followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,374.36, then 23 monthly payments of £1,129.90 followed by 276 monthly payments of £1,304.60.

The total amount payable would be £389,230.66 made up of the loan amount plus interest of £227,431.66 and the following costs, a Scheme Fee of (£1499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.90% APRC representative.**

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

Buy to Let - First Time Landlord - 2 Year Discount 75% LTV (Investment)

Initial Interest Rate

6.99%

Maximum Loan To Value (LTV)

75%

Overall Cost for Comparison

8.90%

Product Code

IP216

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 6.99% for 2 years followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,374.36, then 23 monthly payments of £1,129.90 followed by 276 monthly payments of £1,304.60.

The total amount payable would be £389,230.66 made up of the loan amount plus interest of £227,431.66 and the following costs, a Scheme Fee of (£1499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.90% APRC representative.**

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

Limited Company Buy to Let - 2 Year Discount 60% LTV

Initial Interest Rate

5.85%

Maximum Loan To Value (LTV)

60%

Overall Cost for Comparison

8.60%

Product Code

IP235

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 5.85% for 2 years followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,144.17, then 23 monthly payments of £1,016.30 followed by 276 monthly payments of £1,295.90.

The total amount payable would be £384,011.47 made up of the loan amount plus interest of £222,187.47 and the following costs, a Scheme Fee of (£1499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.60% APRC representative.**

Limited Company Buy to Let - 2 Year Discount 70% LTV

Initial Interest Rate

6.14%

Maximum Loan To Value (LTV)

70%

Overall Cost for Comparison

8.60%

Product Code

IP236

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 6.14% for 2 years followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,178.91, then 23 monthly payments of £1,044.70 followed by 276 monthly payments of £1,297.90.

The total amount payable would be £385,251.41 made up of the loan amount plus interest of £223,427.41 and the following costs, a Scheme Fee of (£1499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.60% APRC representative.**

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

Limited Company Buy to Let - First Time Landlord - 2 Year Discount 70% LTV

Initial Interest Rate

6.74%

Maximum Loan To Value (LTV)

70%

Overall Cost for Comparison

8.80%

Product Code

IP237

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 6.74% for 2 years followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,251.82, then 23 monthly payments of £1,104.50 followed by 276 monthly payments of £1,301.60.

The total amount payable would be £387,695.92 made up of the loan amount plus interest of £225,896.92 and the following costs, a Scheme Fee of (£1499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.80% APRC representative.**

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

Limited Company Buy to Let - 2 Year Fixed Rate 70% LTV fixed until 30.11.2026

Initial Interest Rate

5.85%

Maximum Loan To Value (LTV)

70%

Overall Cost for Comparison

8.40%

Product Code

IP258

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a fixed rate of 5.85% until 30th November 2026, followed by our Standard Variable Rate of 8.74%. In this example you would make 29 monthly payments of £1,016.26 followed by 271 monthly payments of £1,292.76.

The total amount payable would be £381,608.50 made up of the loan amount plus interest of £219,809.50 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.40% APRC representative.**

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

Buy to Let - 2 Year Fixed Rate 70% LTV fixed until 30.11.2026

Initial Interest Rate

5.85%

Maximum Loan To Value (LTV)

70%

Overall Cost for Comparison

8.40%

Product Code

IP257

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a fixed rate of 5.85% until 30th November 2026, followed by our Standard Variable Rate of 8.74%. In this example you would make 29 monthly payments of £1,016.26 followed by 271 monthly payments of £1,292.76.

The total amount payable would be £381,608.50 made up of the loan amount plus interest of £219,809.50 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.40% APRC representative.**

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

Buy to Let - 2 Year Fixed Rate 70% LTV fixed until 30.11.2026

Initial Interest Rate

5.85%

Maximum Loan To Value (LTV)

70%

Overall Cost for Comparison

8.40%

Product Code

IP257

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a fixed rate of 5.85% until 30th November 2026, followed by our Standard Variable Rate of 8.74%. In this example you would make 29 monthly payments of £1,016.26 followed by 271 monthly payments of £1,292.76.

The total amount payable would be £381,608.50 made up of the loan amount plus interest of £219,809.50 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.40% APRC representative.**

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

Government First Homes Scheme - 2 Year Discount 95% LTV

Initial Interest Rate

6.19%

Maximum Loan To Value (LTV)

95%

Overall Cost for Comparison

8.20%

Product Code

IP222

The following is a representative example based on a mortgage of £230,000.00 payable over 25 years initially on a discounted variable rate of 6.19% for 2 years, a further discounted variable rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,819.99, 23 monthly payments of £1,508.80, 48 payments of £1,687.40 and 228 monthly payments of £1,846.00.

The total amount payable would be £539,304.59 made up of the loan amount plus interest of £308,405.59 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 (£75.00).

**The overall cost for comparison is 8.20% APRC representative.**

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

Holiday Let - 2 Year Discount 80% LTV

Initial Interest Rate

6.74%

Maximum Loan To Value (LTV)

80%

Overall Cost for Comparison

8.90%

Product Code

IP217

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 6.74% for 2 years followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,340.22, then 23 monthly payments of £1104.50 followed by 276 monthly payments of £1,303.00.

The total amount payable would be £388,145.72 made up of the loan amount plus interest of £226,371.72 and the following costs, a Scheme Fee of (£1499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£175), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.90% APRC representative.**

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

First Time Landlord Holiday Let - 2 Year Discount 75% LTV

Initial Interest Rate

6.99%

Maximum Loan To Value (LTV)

75%

Overall Cost for Comparison

8.80%

Product Code

IP259

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 6.99% for 2 years followed by our Standard Variable Rate of 8.74%. In this example you would make 24 monthly payments of £1,129.83 followed by 276 monthly payments of £1,304.34.

The total amount payable would be £388,912.76 made up of the loan amount plus interest of £227,113.76 and the following costs, a Scheme Fee of (£1499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.80% APRC representative.**

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

Second Homes - 2 Year Discount 85% LTV

Initial Interest Rate

6.29%

Maximum Loan To Value (LTV)

85%

Overall Cost for Comparison

8.30%

Product Code

IP221

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a discounted variable rate of 6.29% for 2 years, a further discounted variable rate of 7.49% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make an initial payment of £1,839.22, 23 monthly payments of £1,523.00, 48 payments of £1,688.30 and 228 monthly payments of £1,846.90.

The total amount payable would be £540,323.82 made up of the loan amount plus interest of £308,999.82 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 (£75.00).

**The overall cost for comparison is 8.30% APRC representative.**

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

2 Year Fixed Rate 90% LTV (fixed until 31.01.2027)

Initial Interest Rate

5.59%

Maximum Loan To Value (LTV)

90%

Overall Cost for Comparison

7.90%

Product Code

IP262

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a fixed rate of 5.59% until 31st January 2027, a further discounted rate of 7.49% until 31st January 2031, followed by our Standard Variable Rate of 8.74%. In this example you would make 30 monthly payments of £1,424.79, 48 payments of £1,677.36 and 222 monthly payments of £1,831.19.

The total amount payable would be £531,356.16 made up of the loan amount plus interest of £299,781.16 and the following costs, a Scheme Fee (£1,250.00), a Chaps fee (£25.00), a standard Valuation fee (£225.00) and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 7.90% APRC representative.**

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

2 Year Fixed Rate 95% LTV (fixed until 31.01.2027)

Initial Interest Rate

5.99%

Maximum Loan To Value (LTV)

95%

Overall Cost for Comparison

8.00%

Product Code

IP263

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a fixed rate of 5.99% until 31st January 2027, a further discounted rate of 7.49% until 31st January 2031, followed by our Standard Variable Rate of 8.74%. In this example you would make 30 monthly payments of £1,515.82, 48 payments of £1,684.99 and 222 monthly payments of £1,839.52.

The total amount payable would be £536,026.56 made up of the loan amount plus interest of £304,727.56 and the following costs, a Scheme Fee (£999), a Chaps fee (£25.00), a standard Valuation fee (£200.00) and a Mortgage Exit Administration Fee (£75.00).

**The overall cost for comparison is 8.10% APRC representative.**

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