2 year Fixed Rate Shared Ownership

Initial fixed rate up to and inc. 31/10/19Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVBorrower share availableProduct Fee
3.70% 5.44%5.2%75%85%£0 View
Max loan amount £500,000
3.89% 5.44%5.3%75%90%£0 View
Max loan amount £500,000
3.99% 5.44%5.3%75%95%£0 View
Max loan amount £500,000
RATES CORRECT AS AT 18 AUG 2017

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Representative Example

A mortgage of £91,000.00 payable over 25 years initially on a fixed rate for 2 years at 3.99% and then on our current Standard Variable Rate of 5.44% (variable) for the remaining 23 years would require 24 monthly payments of £479.38 and 276 monthly payments of £549.88.

The total amount payable would be £163,306.50 made up of the loan amount plus interest of £72,271.50 and application fee £0, product fee £0, valuation fee £0.

The overall cost for comparison is 5.3% APRC representative.

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

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

Unless otherwise indicated, these products are only available for house purchases or for customers remortgaging from another lender. A product fee is payable on application but is refundable should the mortgage not complete. A mortgage exit fee of £199 will apply.

  • Tapered Early Repayment Charges apply up to and including 31 Oct 2019.
  • Free standard valuation up to £999.
  • Interest calculated daily.
  • Maximum loan £500,000.
  • These products are not available to interest only applications.
  • These products are not portable and are not available in Scotland.

3 year Fixed Rate Shared Ownership

Initial fixed rate up to and inc. 31/08/20Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVBorrower share availableProduct Fee
4.34% 5.44%5.3%75%90%£0 View
Max loan amount £500,000
4.49% 5.44%5.3%75%95%£0 View
Max loan amount £500,000
RATES CORRECT AS AT 29 JUN 2017

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Representative Example

A mortgage of £107,000.00 payable over 25 years initially on a fixed rate for 3 years at 4.34% and then on our current Standard Variable Rate of 5.44% (variable) for the remaining 22 years would require 36 monthly payments of £584.50 and 264 monthly payments of £645.79.

The total amount payable would be £191,565.79 made up of the loan amount plus interest of £84,530.79 and application fee £0, product fee £0, valuation fee £0.

The overall cost for comparison is 5.3% APRC representative.

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

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

Unless otherwise indicated, these products are only available for house purchases or for customers remortgaging from another lender. A product fee is payable on application but is refundable should the mortgage not complete. A mortgage exit fee of £199 will apply.

  • Tapered Early Repayment Charges apply up to and including 30 Sep 2020.
  • Free standard valuation up to £999.
  • Maximum loan of £500,000.
  • Interest calculated daily.
  • These products are not available to interest only applications.
  • These products are not portable and are not available in Scotland.

5 year Fixed Rate Shared Ownership

Initial fixed rate up to and inc. 31/08/22Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVBorrower share availableProduct Fee
4.84% 5.44%5.3%75%95%£0 View
Max loan amount £500,000
RATES CORRECT AS AT 29 Jun 2017

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Representative Example

A mortgage of £80,000.00 payable over 25 years initially on a fixed rate for 5 years at 4.84% and then on our current Standard Variable Rate of 5.44% (variable) for the remaining 20 years would require 60 monthly payments of £459.78 and 240 monthly payments of £483.31.

The total amount payable would be £143,616.17 made up of the loan amount plus interest of £63,581.17 and application fee £0, product fee £0, valuation fee £0.

The overall cost for comparison is 5.3% APRC representative.

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

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

Unless otherwise indicated, these products are only available for house purchases or for customers remortgaging from another lender. A product fee is payable on application but is refundable should the mortgage not complete. A mortgage exit fee of £199 will apply.

  • Tapered Early Repayment Charges apply up to and including 31 Aug 2022.
  • Free standard valuation up to £999.
  • Maximum loan of £500,000.
  • Interest calculated daily.
  • These products are not available to interest only applications.
  • These products are not portable and are not available in Scotland.

3 Year Fixed Rate Shared Equity

Initial fixed rate up to and inc. 31/10/20Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVBorrower share availableProduct Fee
3.69% 5.44%5.1%95%95%£0 View
Max loan amount £500,000
RATES CORRECT AS AT 18 AUG 2017

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Representative Example

A mortgage of £98,000.00 payable over 25 years initially on a fixed rate for 3 years at 3.69% and then on our current Standard Variable Rate of 5.44% (variable) for the remaining 22 years would require 36 monthly payments of £500.20 and 264 monthly payments of £587.48.

The total amount payable would be £173,137.01 made up of the loan amount plus interest of £75,102.01 and application fee £0, product fee £0, valuation fee £0.

The overall cost for comparison is 5.1% APRC representative.

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

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

Unless otherwise indicated, these products are only available for house purchases or for customers remortgaging from another lender. A product fee is payable on application but is refundable should the mortgage not complete. A mortgage exit fee of £199 will apply.

  • Tapered Early Repayment Charges apply up to and including 31 Oct 2020.
  • Mixmimum loan £500,000
  • Free standard valuation up to £999.
  • Interest calculated daily.
  • This product is not available to interest only applications.
  • This product is not portable and not available in Scotland.

2 year Discount Shared Ownership

Initial variable rate for 2 years (currently)TermsThen the Society's SVR less 1% discount for 3 years, (currently)Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVBorrower Share availableArrangement Fee
3.14% The Society's SVR less 2.30%4.44%5.44%4.9%75%90%£0 View
Max loan amount £500,000
3.34% The Society's SVR less 2.10%4.44%5.44%4.9%75%95%£0 View
Max loan amount £500,000
RATES CORRECT AS AT 03 FEB 2017

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Representative Example

A mortgage of £96,000 payable over 25 years initially on a 2.3% discount on our current Standard Variable Rate of 5.44% for 2 years and then a 1% discount on our current Standard Variable Rate of 5.44% for 3 years and then on our current Standard Variable Rate of 5.44% for the remaining 20 years would require 24 monthly payments of £461.88, 36 monthly payments of £524.98 and 240 monthly payments of £570.87.

The total amount payable would be £167,029.29 made up of the loan amount plus interest of £70,994.29 and application fee £0, product fee £0, valuation fee £0.

The overall cost for comparison is 4.9% APRC representative.

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

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

Unless otherwise indicated, these products are only available for house purchases or for customers remortgaging from another lender. A product fee is payable on application but is refundable should the mortgage not complete. A mortgage exit fee of £199 will apply.

  • Tapered Early Repayment Charges apply for the first 2 years.
  • 10% capital repayments allowed each year.
  • Maximum loan amount £500,000 applies.
  • Free standard valuation up to £999.
  • Interest calculated daily.
  • These products are not available to interest only applications.
  • These products are not portable and are not available in Scotland.

2 Year Scottish Homestake/LIFT Fixed Rate

Initial fixed rate up to and inc. 31/10/19Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVBorrower share availableProduct Fee
3.59% 5.44%5.2%95%95%£0 View
Max loan amount £500,000

3 Year Scottish Homestake/LIFT Fixed Rate

Initial fixed rate up to and inc. 31/10/20Then the Society's SVR thereafter, (currently)Overall cost for comparison (APRC)Max LTVBorrower share availableProduct Fee
3.69% 5.44%5.1%95%95%£0 View
Max loan amount £500,000
RATES CORRECT AS AT 18 JUL 2017

Warning: Your home may be repossessed if you do not keep up repayments on your mortgage.

Representative Example

A mortgage of £100,000.00 payable over 25 years initially on a fixed rate for 2 years at 3.59% and then on our current Standard Variable Rate of 5.44% (variable) for the remaining 23 years would require 24 monthly payments of £505.01 and 276 monthly payments of £602.56.

The total amount payable would be £178,461.96 made up of the loan amount plus interest of £78,426.96 and application fee £0, product fee £0, valuation fee £0.

The overall cost for comparison is 5.2% APRC representative.

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

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

Unless otherwise indicated, these products are only available for house purchases or for customers remortgaging from another lender. A product fee is payable on application but is refundable should the mortgage not complete. A mortgage exit fee of £199 will apply.

  • Tapered Early Repayment Charges apply up to and including 31 Oct 2019.
  • Tapered Early Repayment Charges apply up to and including 31 Oct 2020.
  • Free standard valuation up to £999.
  • Interest calculated daily.
  • Maximum loan £500,000.
  • These products are not available to Interest Only applications.
  • These products are only available in Scotland.

We have developed a set of short, easy-to-use guides to our criteria.

View our criteria guides »

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