Product 
Initial Interest Rate 
Period 
Max LTV 
Fees 
Shared Ownership 3 Year Discount with 20% deposit  Remortgage only 
3.64% Variable (Our SVR with a 0.56% discount) 
3 Years 
80% 
Remortgage: £200 
A mortgage of £104,500 payable over 25 years initially on our standard variable rate, currently 4.2% with a discount of 0.56% for 36 months giving a current rate payable of 3.64% and then on our standard variable rate, currently 4.2% for the remaining 22 years would require 36 monthly payments of £531.03 and 264 monthly payments of £559.89 plus one initial interest payment of £114.64.
The total amount payable would be £167,357.68 made up of the loan amount plus interest of £62,542.68, an application fee of £200 and a MEAF of £115.
The overall cost for comparison is 4.2% APRC representative.

Shared Ownership Variable with 5% deposit  Remortgage only 
4.7% Variable (Our SVR plus 0.50%) 
Term 
95% 
Remortgage: £200 
A mortgage of £111,600 payable over 30 years on our standard variable rate, currently 4.2% plus 0.50% giving a current rate of 4.7% for the mortgage term of 30 years would require 360 monthly payments of £578.80 plus one initial interest payment of £330.52.
The total amount payable would be £209,013.52 made up of the loan amount plus interest of £97,098.52, an application fee of £200 and a MEAF of £115.
The overall cost for comparison is 4.8% APRC representative.

Shared Ownership 3 Year Discount with 10% deposit  Remortgage only 
4.2% Variable (Our SVR) 
Term 
90% 
Remortgage: £200 
A mortgage of £134,966 payable over 30 years on our standard variable rate, currently 4.2% for the mortgage term of 30 years would require 360 monthly payments of £660.01 plus one initial interest payment of £201.89.
The total amount payable would be £238,120.49 made up of the loan amount plus interest of £102,839.49, an application fee of £200 and a MEAF of £115.
The overall cost for comparison is 4.3% APRC representative.

Shared Ownership 3 Year Discount with 10% deposit 
3.14% Variable (Our SVR with a 1.06% discount) 
3 Years 
90% 
No upfront fees 
A mortgage of £95,400 payable over 30 years initially on our standard variable rate, currently 4.2% with a discount of 1.06% for 36 months giving a current rate payable of 3.14% and then on our standard variable rate, currently 4.2% for the remaining 27 years would require 36 monthly payments of £409.45 and 324 monthly payments of £461.64 plus one initial interest payment of £139.52.
The total amount payable would be £164,566.08 made up of the loan amount plus interest of £69,051.08 and a MEAF of £115.
The overall cost for comparison is 4% APRC representative.

Shared Ownership 3 Year Discount with 5% deposit 
3.34% Variable (Our SVR with a 0.86% discount) 
3 Years 
95% 
No upfront fees 
A mortgage of £90,000 payable over 25 years initially on our standard variable rate, currently 4.2% with a discount of 0.86% for 36 months giving a current rate payable of 3.34% and then on our standard variable rate, currently 4.2% for the remaining 22 years would require 36 monthly payments of £442.88 and 264 monthly payments of £480.62 plus one initial interest payment of £172.95.
The total amount payable would be £143,115.31 made up of the loan amount plus interest of £53,000.31 and a MEAF of £115.
The overall cost for comparison is 4.1% APRC representative.

Home Starter for first time buyers 
3.74% Variable (Our SVR with a 0.46% discount) 
3 Years 
95% 
Purchase: £600 
A mortgage of £226,100 payable over 35 years initially on our standard variable rate, currently 4.2% with a discount of 0.46% for 36 months giving a current rate payable of 3.74% and then on our standard variable rate, currently 4.2% for the remaining 32 years would require 36 monthly payments of £704.68 and 384 monthly payments of £1,071.44 plus one initial interest payment of £185.34.
The total amount payable would be £437,701.78 made up of the loan amount plus interest of £210,886.78, an application fee of £600 and a MEAF of £115.
The overall cost for comparison is 4.2% APRC representative.

Help to Buy 3 Year Discount up to 75% 
1.94% Variable (Our SVR with a 2.26% discount) 
3 Years 
75% 
Purchase: £600 Remortgage: £850 Valuation fee applies for properties valued at over £1m. 
A mortgage of £253,496 payable over 29 years initially on our standard variable rate, currently 4.2% with a discount of 2.26% for 36 months giving a current rate payable of 1.94% and then on our standard variable rate, currently 4.2% for the remaining 26 years would require 36 monthly payments of £954.91 and 312 monthly payments of £1,232.92 plus one initial interest payment of £148.50.
The total amount payable would be £419,311.30 made up of the loan amount plus interest of £165,200.30, an application fee of £500 and a MEAF of £115.
The overall cost for comparison is 3.8% APRC representative.

3 Year Discount 
2.74% Variable (Our SVR with a 1.46% discount) 
3 Years 
85% 
Purchase: £600 Remortgage: £850 Valuation fee applies for properties valued at over £1m. 
A mortgage of £255,000 payable over 35 years initially on our standard variable rate, currently 4.2% with a discount of 1.46% for 36 months giving a current rate payable of 2.74% and then on our standard variable rate, currently 4.2% for the remaining 32 years would require 36 monthly payments of £944.74 and 384 monthly payments of £1,144.01 plus one initial interest payment of £325.42.
The total amount payable would be £474,350.90 made up of the loan amount plus interest of £218,635.90, an application fee of £600 and a MEAF of £115.
The overall cost for comparison is 4% APRC representative.

3 Year Discount 
3.74% Variable (Our SVR with a 0.46% discount) 
3 Years 
95% 
Purchase: £600 
A mortgage of £299,250 payable over 30 years initially on our standard variable rate, currently 4.2% with a discount of 0.46% for 36 months giving a current rate payable of 3.74% and then on our standard variable rate, currently 4.2% for the remaining 27 years would require 36 monthly payments of £1,384.18 and 324 monthly payments of £1,456.97 plus one initial interest payment of £122.65.
The total amount payable would be £522,726.41 made up of the loan amount plus interest of £222,761.41 an application fee of £600 and a MEAF of £115.
The overall cost for comparison is 4.2% APRC representative.

3 year Discount 
3% Variable (Our SVR with a 1.20% discount) 
3 Years 
90% 
Purchase: £600 Remortgage: £850 
A mortgage of £192,000 payable over 35 years initially on our standard variable rate, currently 4.2% with a discount of 1.20% for 36 months giving a current rate payable of 3% and then on our standard variable rate, currently 4.2% for the remaining 32 years would require 36 monthly payments of £741.22 and 384 monthly payments of £866.39 plus one initial interest payment of £15.83.
The total amount payable would be £359,508.51 made up of the loan amount plus interest of £166,793.51, an application fee of £600 and a MEAF of £115.
The overall cost for comparison is 4.1% APRC representative.

Discount Market Sale 3 Year Discount 80% 
2.54% Variable (Our SVR with a 1.66% discount) 
3 Years 
80% 
Purchase: £600 Valuation fee applies 
A mortgage of £204,000 payable over 30 years initially on our standard variable rate, currently 4.2% with a discount of 1.46% for 36 months giving a current rate payable of 2.74% and then on our standard variable rate, currently 4.2% for the remaining 27 years would require 36 monthly payments of £810.30 and 324 monthly payments of £980.64 plus one initial interest payment of £212.94.
The total amount payable would be £348,101.10 made up of the loan amount plus interest of £143,111.10, an application fee of £600, a valuation fee of £275 and a MEAF of £115.
The overall cost for comparison is 3.9% APRC representative.

Discount Market Sale 3 Year Discount 90% 
2.74% Variable (Our SVR with a 1.46% discount) 
3 Years 
90% 
Purchase: £600 Valuation fee applies 
A mortgage of £285,000 payable over 27 years initially on our standard variable rate, currently 4.2% with a discount of 1.46% for 36 months giving a current rate payable of 2.74% and then on our standard variable rate, currently 4.2% for the remaining 24 years would require 36 monthly payments of £1,245.72 and 288 monthly payments of £1,449.32 plus one initial interest payment of £235.34.
The total amount payable would be £463,550.42 made up of the loan amount plus interest of £177,485.42, an application fee of £600, a valuation fee of £350 and a MEAF of £115.
The overall cost for comparison is 3.9% APRC representative.

Shared Equity 3 Year Variable 
2.54% Variable (Our SVR with a 1.66% discount) 
3 Years 
75% 
Purchase: £600 Valuation fee applies 
A mortgage of £155,250 payable over 35 years on our standard variable rate, currently 4.2% for the mortgage term of 35 years would require 36 monthly payments of £559.24 then 384 monthly payments of £696.14 plus one initial interest payment of £162.32.
The total amount payable would be £288,327.72 made up of the loan amount plus interest of £132,112.72, an application fee of £600, a valuation fee of £250 and a MEAF of £115.
The overall cost for comparison is 4.3% APRC representative.

Shared Equity Variable 
4.2% Variable (Our SVR) 
Term 
75% 
Purchase: £600 Valuation fee applies 
A mortgage of £155,250 payable over 35 years on our standard variable rate, currently 4.2% for the mortgage term of 35 years would require 420 monthly payments of £707.29 plus one initial interest payment of £268.40.
The total amount payable would be £298,045.20 made up of the loan amount plus interest of £141,830.20, an application fee of £600, a valuation fee of £250 and a MEAF of £115.
The overall cost for comparison is 4.3% APRC representative.

Self Build 
4.7% Variable (Our SVR plus 0.50%) 
Term 
75% 
Purchase: 1% Remortgage: 1% Valuation fee applies 
A mortgage of £100,000 payable over 16 years on our standard variable rate, currently 4.2% plus 0.50% giving a current rate of 4.7% for the mortgage term of 16 years would require 192 monthly payments of £744.56 plus one initial interest payment of £391.67.
The total amount payable would be £143,992.63 made up of the loan amount plus interest of £42,602.63, an application fee of £1,000, a valuation fee of £275 and a MEAF of £115.
The overall cost for comparison is 5% APRC representative.

Buy to let 3 Year Discount  Purchase and existing borrowers 
3% Variable (Our SVR with a 1.20% discount) 
3 Years 
75% 
Purchase: £950 Valuation Fee 
A mortgage of £162,000 payable over 15 years initially on our standard variable rate, currently 4.2% with a discount of 1.20% for 36 months giving a current rate payable of 3% and then on our standard variable rate, currently 4.2% for the remaining 12 years would require 36 monthly payments of £407.38 and 144 monthly payments of £570.33 plus one initial interest payment of £133.93.
The total amount payable would be £260,267.13 made up of the loan amount plus interest of £96,927.13, an application fee of £950, a valuation fee of £275 and a MEAF of £115.
The overall cost for comparison is 4% APRC representative.

Buy to let 3 Year Discount  Remortgage Only 
3.2% Variable (Our SVR with a 1.00% discount) 
3 Years 
75% 
Remortgage: £950 Valuation Fee 
A mortgage of £105,000 payable over 20 years initially on our standard variable rate, currently 4.2% with a discount of 1.00% for 36 months giving a current rate payable of 3.2% and then on our standard variable rate, currently 4.2% for the remaining 17 years would require 36 monthly payments of £282.53 and 204 monthly payments of £370.83 plus one initial interest payment of £27.87.
The total amount payable would be £192,263.27 made up of the loan amount plus interest of £85,848.27, an application fee of £950, a valuation fee £350 and a MEAF of £115.
The overall cost for comparison is 4.2% APRC representative.

Buy to let 5 Year Discount  Purchase and existing borrowers 
3% Variable (Our SVR with a 1.20% discount) 
5 Years 
75% 
Purchase: £950 Valuation Fee 
A mortgage of £112,000 payable over 29 years initially on our standard variable rate, currently 4.2% with a discount of 1.20% for 60 months giving a current rate payable of 3% and then on our standard variable rate, currently 4.2% for the remaining 24 years would require 60 monthly payments of £282.38 and 288 monthly payments of £395.33 plus one initial interest payment of £9.28.
The total amount payable would be £244,097.12 made up of the loan amount plus interest of £130,807.12, an application fee of £950, a valuation fee of £225 and a MEAF of £115.
The overall cost for comparison is 4% APRC representative.

Buy to let 5 Year Discount  Remortgage Only 
3.2% Variable (Our SVR with a 1.00% discount) 
5 Years 
75% 
Remortgage: £950 Valuation Fee 
A mortgage of £169,000 payable over 24 years initially on our standard variable rate, currently 4.2% with a discount of 1.00% for 60 months giving a current rate payable of 3.2% and then on our standard variable rate, currently 4.2% for the remaining 19 years would require 60 monthly payments of £450.67 and 228 monthly payments of £591.50 plus one initial interest payment of £59.27.
The total amount payable would be £332,276.47 made up of the loan amount plus interest of £161,961.47, an application fee of £950, a valuation fee £250 and a MEAF of £115.
The overall cost for comparison is 4% APRC representative.

Ex Pat Buy to let 
4.2% Variable (Our SVR for the mortgage term) 
Term 
60% 
Purchase: 1% Remortgage: 1% Valuation Fee 
A mortgage of £152,500 payable over 18 years on our standard variable rate, currently 4.2% for the mortgage term of 18 years would require 216 monthly payments of £1,017.46, plus one initial interest payment of £88.62.
The total amount payable would be £220,249.98 made up of the loan amount plus interest of £65,834.98, an application fee of £1,525, a valuation fee of £275 and a MEAF of £115.
The overall cost for comparison is 4.4% APRC representative.

Ltd Company Buy to let 3 Year Discount 
3.7% Variable (Our SVR minus 0.50% for the first 3 years changing to our SVR for the remainder of the mortgage.) 
3 Years 
75% 
Purchase: 1% Remortgage: 1% Valuation Fee 
A mortgage of £180,000 payable over 25 years initially on our standard variable rate, currently 4.2% with a discount of 0.50% for 36 months giving a current rate payable of 3.7% and then on our standard variable rate, currently 4.2% for the remaining 22 years would require 36 monthly payments of £921.95 and 264 monthly payments of £966.51 plus one initial interest payment of £383.76.
The total amount payable would be £290,647.60 made up of the loan amount plus interest of £108,457.60, an application fee of £1,800, a valuation fee of £275 and a MEAF of £115.
The overall cost for comparison is 4.3% APRC representative.

Fixed rate until 27 May 2020  75% LTV 
2.59% Fixed 
Fixed until 27/5/2020 
75% 
Purchase: £300 Remortgage: £550 Booking fee: £300 
A mortgage of £50,000 payable over 10 years initially on a fixed rate for 3 years and 1 month at 2.59% and then on our standard variable rate, currently 4.2% for the remaining 6 years and 11 months would require 37 monthly payments of £476.24 and 83 monthly payments of £502.67 plus one initial interest payment of £35.69.
The total amount payable would be £59,793.18 made up of the loan amount plus interest of £9,078.18 a booking fee of £300, an application fee of £300 and a MEAF of £115.
The overall cost for comparison is 3.7% APRC representative.

Fixed rate until 27 May 2020  90% LTV 
3.75% Fixed 
Fixed until 27/5/2020 
90% 
Purchase: £300 Remortgage: £550 Booking fee: £300 
A mortgage of £180,000 payable over 35 years initially on a fixed rate for 3 years at 3.75% and then on our standard variable rate, currently 4.2% for the remaining 32 years would require 36 monthly payments of £770.23 and 384 monthly payments of £815.63 plus one initial interest payment of £462.33.
The total amount payable would be £342,152.93 made up of the loan amount plus interest of £161,437.93, a booking fee of £300, an application fee of £300 and a MEAF of £115.
The overall cost for comparison is 4.2% APRC representative.

Fixed rate until 27 May 2020  95% LTV 
4.45% Fixed 
Fixed until 27/5/2020 
95% 
Purchase: £300 Booking fee: £300 
A mortgage of £180,500 payable over 35 years initially on a fixed rate for 2 years and 11 months at 4.45% and then on our standard variable rate, currently 4.2% for the remaining 32 years and 1 month would require 35 monthly payments of £848.65 and 385 monthly payments of £822.64 plus one initial interest payment of £110.03.
The total amount payable would be £347,244.18 made up of the loan amount plus interest of £166,029.18, a booking fee of £300, an application fee of £300 and a MEAF of £115.
The overall cost for comparison is 4.4% APRC representative.

Fixed rate until 27 May 2022  75% LTV 
3.19% Fixed 
Fixed until 27/5/2022 
75% 
Purchase: £300 Remortgage: £550 Booking fee: £300 
A mortgage of £223,250 payable over 25 years initially on a fixed rate for 4 years and 11 months at 3.19% and then on our standard variable rate, currently 4.2% for the remaining 20 years and 1 month would require 59 monthly payments of £1,082.32 and 241 monthly payments of £1183.25 plus one initial interest payment of £19.54.
The total amount payable would be £349,454.67 made up of the loan amount plus interest of £125,489.67, a booking fee of £300, an application fee of £300 and a MEAF of £115.
The overall cost for comparison is 3.9% APRC representative.

Home Starter fixed rate until 27 May 2020  95% LTV 
4.45% Fixed 
Fixed until 27/5/2020 
95% 
Purchase: £300 Booking fee: £300 
A mortgage of £180,500 payable over 35 years initially on a fixed rate for 2 years and 11 months at 4.45% and then on our standard variable rate, currently 4.2% for the remaining 32 years and 1 month would require 35 monthly payments of £669.35 and 385 monthly payments of £854.30 plus one initial interest payment of £110.03.
The total amount payable would be £353,157.78 made up of the loan amount plus interest of £171,942.78 a booking fee of £300, an application fee of £300 and a MEAF of £115.
The overall cost for comparison is 4.4% APRC representative.

Home Starter fixed rate until 27 May 2020  90% LTV 
3.75% Fixed 
Fixed until 27/5/2020 
90% 
Purchase: £300 Booking fee: £300 
A mortgage of £156,000 payable over 35 years initially on a fixed rate for 2 years and 10 months at 3.75% and then on our standard variable rate, currently 4.2% for the remaining 32 years and 2 months would require 34 monthly payments of £488.44 and 386 monthly payments of £738.85 plus one initial interest payment of £144.52.
The total amount payable would be £302,362.58 made up of the loan amount plus interest of £145,647.58 and a booking fee of £300, an application fee of £300 and a MEAF of £115.
The overall cost for comparison is 4.2% APRC representative.

Help to Buy fixed rate until 27 May 2020  75% LTV 
2.59% Fixed 
Fixed until 27/5/2020 
75% 
Purchase: £300 Remortgage: £550 Booking Fee: £300 
A mortgage of £409,000 payable over 24 years initially on a fixed rate for 2 years and 5 months at 2.59% and then on our standard variable rate, currently 4.2% for the remaining 21 years and 7 months would require 29 monthly payments of £1,908.44 and 259 monthly payments of £2,223.94 plus one initial interest payment of £435.33.
The total amount payable would be £632,495.55 made up of the loan amount plus interest of £222,780.55, an application fee of £300, a booking fee of £300 and a MEAF of £115.
The overall cost for comparison is 3.9% APRC representative.

Help to Buy fixed rate until 27 May 2022  75% LTV 
3.19% Fixed 
Fixed until 27/5/2022 
75% 
Purchase: £300 Remortgage: £550 Booking Fee: £300 
A mortgage of £100,000 payable over 30 years initially on a fixed rate for 5 years at 3.19% and then on our standard variable rate, currently 4.2% for the remaining 25 years would require 60 monthly payments of £431.92 and 300 monthly payments of £480.80 plus one initial interest payment of £227.23.
The total amount payable would be £171,097.43 made up of the loan amount plus interest of £70,382.43 an application fee of £300, a booking fee of £300 and a MEAF of £115.
The overall cost for comparison is 4.0% APRC representative.

Shared Ownership fixed rate until 27 May 2020  90% LTV 
4.29% Fixed 
Fixed until 27/5/2020 
90% 
No Fees 
A mortgage of £56,700 payable over 32 years initially on a fixed rate for 3 years and 1 month at 4.29% and then on our standard variable rate, currently 4.2% for the remaining 28 years and 11 months would require 37 monthly payments of £271.73 and 347 monthly payments of £268.91 plus one initial interest payment of £146.61.
The total amount payable would be £103,627.39 made up of the loan amount plus interest of £46,812.39 and a MEAF of £115.
The overall cost for comparison is 4.3% APRC representative.

Shared Ownership fixed rate until 27 May 2022  95% LTV 
4.89% Fixed 
Fixed until 27/5/2022 
95% 
No Fees 
A mortgage of £84,787 payable over 27 years initially on a fixed rate for 4 years and 5 months at 4.89% and then on our standard variable rate, currently 4.2% for the remaining 22 years and 7 months would require 53 monthly payments of £471.86 and 271 monthly payments of £442.22 plus one initial interest payment of £56.80.
The total amount payable would be £145,022.00 made up of the loan amount plus interest of £60,120 and a MEAF of £115.
The overall cost for comparison is 4.5% APRC representative.

Shared Ownership fixed rate until 27 May 2020  95% LTV 
4.49% Fixed 
Fixed until 27/5/2020 
95% 
No Fees 
A mortgage of £66,600 payable over 35 years initially on a fixed rate for 2 years and 8 months at 4.49% and then on our standard variable rate, currently 4.2% for the remaining 32 years and 4 months would require 32 monthly payments of £314.78 and 388 monthly payments of £303.57 plus one initial interest payment of £65.54.
The total amount payable would be £128,038.66 made up of the loan amount plus interest of £61,323.66 and a MEAF of £115.
The overall cost for comparison is 4.3% APRC representative.
