Base Rate Trackers

Our owner occupier tracker rate mortgages track the Bank of England Bank Rate and are available on either a repayment or interest only basis.

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Sort products by:
Initial
Rate		 Initial
Rate Ends		 Follow On
Rate		 Max.
LTV		 Application
Fee		 Product
Fee		 Cashback on
Completion		 Repayment Interest
Only		 FTB

2.74% 3 year base rate tracker

 Code XT0007
3 years 5.04% 80% £175* £999** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third
  • Cost for comparison - 4.2% APRC
  • Minimum interest - 2.29%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

3.24% 3 year base rate tracker

 Code XT0008
3 years 5.04% 80% £175* £999** £250 No Yes Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - No maximum. Loans above £500,000 should be referred to us for specific agreement before submission of an application
  • LTV - Maximum LTV 80%. For applications above 75% LTV 12 months repayment history, mortgage or rental, must be provided
  • Early Repayment Charges - 3% in the first year, 2% in the second year, 1% in the third
  • Cost for comparison - 4.7% APRC
  • Minimum interest - 2.79%
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Valuation fees - Free for properties up to £500,000. For properties above £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product fee - £999 for loans up to £500,000. For loans above £500,000 0.3% of the loan amount

During initial tracker period, interest rate changes are effective from the 25th day of the month following a change in the Bank of England Bank Rate.

All of these mortgage products have limited funds available and may be withdrawn at any time. Our mortgages are available to applicants aged 18 and over for properties in England or Wales.

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Find Your Local

Business Development Manager

Your Local BDM:

Arif Kara

Arif was previously a mortgage adviser, and focuses on North and West London. Contact Arif for help with your clients' mortgages.
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Michelle Parry-Bunter

Michelle has worked for the Society for over a decade and focuses on the South Coast. Contact Michelle for help with your clients' mortgages.
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Nathan Waller

Nathan was previously a mortgage and protection adviser, and focuses on Essex and Kent. Contact Nathan for help with your clients' mortgages.
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Charlotte Grimshaw

Charlotte has a background working with intermediaries within the Building Society sector and focuses around the West M25 area. Contact Charlotte for help with your clients' mortgages.
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Your Local BDM:

Darren Deacon

Darren has over 28 years' Financial Services experience and focuses on both the East & West Midlands. Contact Darren for help with your clients' mortgages.
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Your Local BDM:

Paul Roberts

Paul has over 30 years' experience and focuses on the North (inc. M62 corridor), Yorkshire & North East. Contact Paul for help with your clients' mortgages.
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