Fixed Rate Mortgages

Our fixed rate mortgages offer your clients the peace of mind that the repayments won't change over their chosen product term, allowing them to budget their finances easily.

Multiple family members on one mortgage? No problem
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2.49% 2 year fixed rate

Code XF0309
31/03/2023 4.39% 60% £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 60%
  • Early Repayment Charges - 2% until 31/03/2022, 1% until 31/03/2023
  • Cost for comparison - 4.1% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • 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
  • ^Cashback - For remortgages, a cashback of £250 is payable on completion of the mortgage. 

  • Additional criteria - The mortgage must complete by 01/04/2021

2.74% 2 year fixed rate

Code XF0310
31/03/2023 4.39% 75% £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 75%.
  • Early Repayment Charges - 2% until 31/03/2022, 1% until 31/03/2023
  • Cost for comparison - 4.2% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • 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
  • ^Cashback - For remortgages a cashback of £250 is payable on completion of the mortgage
  • Additional criteria - The mortgage must complete by 01/04/2021

2.69% 3 year fixed rate

Code XF0311
31/03/2024 4.39% 60% £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 60%.
  • Early Repayment Charges - 3% until 31/03/2022 2% until 31/03/2023, 1% until 31/03/2024
  • Cost for comparison - 4.1% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • 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
  • ^Cashback - For remortages a cashback of £250 is payable on completion of the mortgage
  • Additional criteria - The mortgage must complete by 01/04/2021

2.94% 3 year fixed rate

Code XF0312
31/03/2024 4.39% 75% £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 75%.
  • Early Repayment Charges - 3% until 31/03/2022, 2% until 31/03/2023 1% until 31/03/2024
  • Cost for comparison - 4.2% APRC
  • Purpose - Purchase or remortgage
  • *Application Fee - £175 + Valuation Fee
  • 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
  • ^ For remortgages a cashback of £250 is payable on completion of the mortgages.
  • Additional criteria - The mortgage must complete by 01/04/2021

2.99% 5 year fixed rate

Code XF0331
31/03/2026 4.39% 60% £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 60%.
  • Early Repayment Charges - 5% until 31/03/2022, 4% until 31/03/2023, 3% until 31/03/2024, 2% until 31/03/2025, 1% until 31/03/2026
  • Cost for comparison - 3.9% APRC
  • Purpose - Purchase and remortgage
  • *Application Fee - £175 + Valuation Fee
  • 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
  • ^Cashback - For remortgages a cashback of £250 is payable on completion of the mortgage.
  • Additional criteria - The mortgage must complete by 01/04/2021

3.24% 5 year fixed rate

Code XF0332
31/03/2026 4.39% 75% £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 75%.
  • Early Repayment Charges - 5% until 31/03/2022, 4% until 31/03/2023, 3% until 31/03/2024, 2% until 31/03/2025, 1% until 31/03/2026
  • Cost for comparison - 4.0% APRC
  • Purpose - Purchase and remortgage
  • *Application Fee - £175 + Valuation Fee
  • 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
  • ^Cashback - For remortgages a cashback of £250 is payable on completion of the mortgage.
  • Additional criteria - The mortgage must complete by 01/04/2021

3.64% 5 year fixed rate Family Mortgage

Code XF0333
31/03/2026 4.39% 95% £175* £599** £250 Yes No Yes  
More details, fees & downloads Criteria A-Z Check affordability DIP Request Illustration Request Contact your BDM Online Application
  • Maximum loan - £500,000
  • LTV - Maximum LTV 95%. For applications above 75% LTV additional security is required. Additional offsetting feature is available
  • Early Repayment Charges - 5% until 31/03/2022, 4% until 31/03/2023, 3% until 31/03/2024, 2% until 31/03/2025, 1% until 31/03/2026
  • Cost for comparison - 3.9% APRC
  • Purpose - Purchase
  • *Application Fee - £175 + Valuation Fee
  • Valuation Fees - Free for properties up to £500,000. For properties over £500,000 the standard valuation fee scale applies, less £330 discount
  • **Product Fee - £599
  • Options available - Security Account, Security Through Property, Offset Account
  • Additional criteria - The mortgage must complete by 01/04/2021

3.39% 5 year fixed rate Retirement Interest Only

Code XFZ006
31/03/2026 4.39% 50% £175* £999** £250^ No Yes No  
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 50%.
  • Early Repayment Charges - 5% until 31/03/2022, 4% until 31/03/2023, 3% until 31/03/2024, 2% until 31/03/2025, 1% until 31/03/2026
  • Cost for comparison - 4.1% APRC
  • Purpose - Purchase, remortgage, product switch and additional borrowing
  • *Application Fee - £175 + Valuation Fee
  • 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
  • ^Cashback - For remortgages a cashback of £250 is payable on completion of the mortgage
  • Additional criteria - The mortgage must complete by 01/04/2021

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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Your Local BDM:

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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Your Local BDM:

Nathan Waller

Nathan, previously a mortgage broker, focuses on Cambridgeshire, East Sussex, Essex, Suffolk, Hertfordshire, Bedfordshire, Lincolnshire, Norfolk and Kent. Contact Nathan for help with your clients' mortgages.
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Your Local BDM:

Grace Bennett

Grace focuses around the West M25 area. Contact Grace 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 as well as the Southwest. 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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