Skip to main content

All Mortgages

We offer a wide range of mortgage options to help your client find a product to suit their needs, whether they are a first-time buyer, want a new mortgage deal or plan to move home.

We have been based in Wimborne since 1976 and are proud to provide an award-winning, truly personal service. If you need any help or advice at any stage during the process, we have a friendly and knowledgeable team waiting to help you.

Variable Rate

Buy-to-Let Mortgage 25% Deposit 3.49% Variable
3.49% 5.99% 5.6% APRC 75% £899 £99

Key Features

Variable rate

A variable rate, currently ​3.49%, which is discounted by 2.50% from our Buy-to-Let Standard Variable Rate for the first 2 years. It then changes to our Buy-To-Let Standard Variable Rate, which is currently 5.99%, and remains on our variable rate terms for the rest of the mortgage.

The overall cost for comparison is 5.9% APRC representative.

What you Pay

  • Daily interest.
  • An arrangement fee of £899 is payable with the application.
  • An application fee of £99 (non-refundable) is payable with the application.
  • A valuation fee is payable.

Early repayment charge

An Early Repayment Charge of 3% on the amount repaid will be applied for the duration of the product term. You can overpay by up to 10% of the loan outstanding per calendar year without charge.

What we Pay

  • £100 cashback for NEU members upon completion.

Who can apply and more information

  • Minimum income of main applicant is £25,000 (£40,000 if joint application).
  • Minimum property value of £75,000.
  • Minimum loan amount £50,000.
  • Not available for houses in multiple occupancy (must be sole occupant, couple or single family unit).
  • Not available for first-time buyers or professional landlords.
  • A single assured shorthold tenancy agreement will be required.
  • Property cannot be let to family members.
  • Available for home purchase and remortgage applications.
  • This mortgage is not portable.

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

Representative Example

A mortgage of £157,000 over 29 years initially on a discounted variable rate of 3.49% (equal to a 2.50% discount off our SVR)  for 2 years and then on our Standard Variable Rate of 5.99% for the remaining term, would require 24 monthly payments of £456.61 and 324 monthly payments of £781.24.

The total amount payable would be £422,650.95 made up of the loan amount plus interest (£264,095.45) with a funds transfer fee of £25, mortgage application fee of £99, mortgage arrangement fee of £899, basic valuation of £330, legal fees of £117.50 and a mortgage exit fee of £85.

The overall cost for comparison is 5.9% APRC representative.

This is based on an interest only mortgage. 

 

Call us today on 0800 378 669

This product may be withdrawn or amended at any time, without prior notice

Holiday Let Mortgage 25% Deposit 3.69% Variable
3.69% 5.99% 5.9% APRC 75% £1299 £99

Key Features

Variable rate

A variable rate, currently ​3.​69%, which is discounted by 2.30% from our Buy-to-Let Standard Variable Rate for the first 2 years. It then changes to our Buy-To-Let Standard Variable Rate, which is currently 5.99%, and remains on our variable rate terms for the rest of the mortgage.

The overall cost for comparison is 5.9% APRC representative.

 

What you Pay

  • Daily interest.
  • An arrangement fee of £1,299 is payable with the application.
  • An application fee of £99 (non-refundable) is payable with the application.
  • A valuation fee is payable.

Early repayment charge

An Early Repayment Charge of 3% on the amount repaid will be applied for the duration of the product term. You can overpay by up to 10% of the loan outstanding per calendar year without charge.

 

What we Pay

  • £100 cashback for NEU members upon completion.

Who can apply and more information

  • Minimum income of main applicant is £25,000 (£40,000 if joint application).
  • Minimum property value of £75,000.
  • Minimum loan amount £50,000
  • Not available for first-time buyers or professional landlords.
  • Available for home purchase and remortgage applications.
  • This mortgage is not portable.

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

Representative Example

A mortgage of £157,000 over 29 years initially on a discounted variable rate of 3.69% (equal to a 2.30% discount off our BTL SVR)  for 2 years and then on our Buy to Let Standard Variable Rate of 5.99% for the remaining term, would require 24 monthly payments of £482.78 and 324 monthly payments of £781.16.

The total amount payable would be £423,653.98 made up of the loan amount plus interest (£264,698.48) with a funds transfer fee of £25, mortgage application fee of £99, mortgage arrangement fee of £1,299, legal fees of £117.50, a basic valuation fee of £330 and a mortgage exit fee of £85.

The overall cost for comparison is 5.9% APRC representative.

Call us today on 0800 378 669

This product may be withdrawn or amended at any time, without prior notice

2 Year Variable Rate Mortgage 20% Deposit 2.74% Variable
2.74% 5.24% 5.0% APRC 80% £899 £99

Key Features

Variable rate

A variable rate, currently ​2.74%, which is discounted by 2.50% from our Standard Variable Rate for the first 2 years. It then changes to our Standard Variable Rate, which is currently 5.24%, and remains on our variable rate terms for the rest of the mortgage.

The overall cost for comparison is 5.0% APRC representative.

What you Pay

  • Daily interest.
  • An application fee of £99 (non-refundable) is payable with the application.
  • An arrangement fee of £899 is payable with the application.
  • A valuation fee is payable for all properties worth £800,000 or more.

Early repayment charge

An Early Repayment Charge of 3% on the amount repaid will be applied for the duration of the product term. You can overpay by up to 10% of the loan outstanding per calendar year without charge.

What we Pay

  • The first valuation fee for properties worth less than £800,000
  • £100 cashback for NEU members upon completion.

Who can apply and more information

 

  • Available for home purchase applications only.

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

Representative Example

A mortgage of £157,000 over 29 years initially on a discounted variable rate of 2.74% (equal to a 2.50% discount off our SVR)  for 2 years and then on our Standard Variable Rate of 5.24% for the remaining term, would require 24 monthly payments of £654.37 and 324 monthly payments of £864.15.

The total amount payable would be £296,926.80 made up of the loan amount plus interest (£138,701.30) with a funds transfer fee of £25, mortgage application fee of £99, mortgage arrangement fee of £899, legal fees of £117.50 and a mortgage exit fee of £85.

The overall cost for comparison is 5.0% APRC representative.

Call us today on 0800 378 669

This product may be withdrawn or amended at any time, without prior notice

2 Year Variable Rate Remortgage 20% Deposit 2.74% Variable
2.74% 5.24% 5.0% APRC 80% N/A £99

Key Features

Variable rate

A variable rate, currently ​2.74%, which is discounted by 2.50% from our Standard Variable Rate for the first 2 years. It then changes to our Standard Variable Rate, which is currently 5.24%, and remains on our variable rate terms for the rest of the mortgage.

The overall cost for comparison is 5.0% APRC representative.
 

What you Pay

  • Daily interest.
  • An application fee of £99 (non-refundable) is payable with the application.
  • A valuation fee is payable for all properties worth £800,000 or more.

Early repayment charge

An Early Repayment Charge of 3% on the amount repaid will be applied for the duration of the product term. You can overpay by up to 10% of the loan outstanding per calendar year without charge.

What we Pay

  • The first valuation fee for properties worth less than £800,000
  • For remortgage applications, legal fees will be paid when using our appointed solicitor. For non-standard remortgages (i.e. ​Shared Ownership, transfer of equity, unencumbered property), we will pay £250 towards the legal costs and this will be sent directly to your solicitor on completion of the mortgage.
  • £100 cashback for NEU members upon completion.

Who can apply and more information

  • Available for remortgage applications only.
  • Your home may be repossessed if you do not keep up repayments on your mortgage

    Representative Example

    A mortgage of £157,000 over 29 years initially on a discounted variable rate of 2.74% (equal to a 2.50% discount off our SVR)  for 2 years and then on our Standard Variable Rate of 5.24% for the remaining term, would require 24 monthly payments of £654.37 and 324 monthly payments of £864.15.

    The total amount payable would be £296,926.80 made up of the loan amount plus interest (£138,701.30) with a funds transfer fee of £25, mortgage application fee of £99, mortgage arrangement fee of £899, legal fees of £117.50 and a mortgage exit fee of £85.

    The overall cost for comparison is 5.0% APRC representative.

    Call us today on 0800 378 669

    This product may be withdrawn or amended at any time, without prior notice

    2 Year Variable Rate Mortgage 10% Deposit 3.59% Variable
    3.59% 5.24% 5.1% APRC 90% N/A £99

    Key Features

    Variable rate

    A variable rate, currently ​3.59%, which is discounted by 1.65% from our Standard Variable Rate for the first 2 years. It then changes to our Standard Variable Rate, which is currently 5.24%, and remains on our variable rate terms for the rest of the mortgage.

    The overall cost for comparison is 5.1% APRC representative.

    What you Pay

    • Daily interest.
    • An application fee of £99 (non-refundable) is payable with the application.
    • A valuation fee is payable for all properties worth £800,000 or more.

    Early repayment charge

    An Early Repayment Charge of 3% on the amount repaid will be applied for the duration of the product term. You can overpay by up to 10% of the loan outstanding per calendar year without charge.

    What we Pay

    • The first valuation fee for properties worth less than £800,000.
    • For remortgage applications, legal fees will be paid when using our appointed solicitor. For non-standard remortgages (i.e. shared ownership, transfer of equity, unencumbered property), we will pay £250 towards the legal costs and this will be sent directly to your solicitor on completion of the mortgage.
    • £100 cashback for NEU members upon completion.

    Who can apply and more information

    • Available for home purchase and remortgage applications (not available for Help to Buy).

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

    Representative Example

    A mortgage of £157,000 over 29 years initially on a discounted variable rate of 3.59% (equal to a 1.65% discount off our SVR)  for 2 years and then on our Standard Variable Rate of 5.24% for the remaining term, would require 24 monthly payments of £726.64 and 324 monthly payments of £869.28.

    The total amount payable would be £299,428.07 made up of the loan amount plus interest (£142,101.57) with a funds transfer fee of £25, mortgage application fee of £99, legal fees of £117.50 and a mortgage exit fee of £85.

    The overall cost for comparison is 5.1% APRC representative.

    Call us today on 0800 378 669

    This product may be withdrawn or amended at any time, without prior notice

    Teacher Exclusive, 2 Year Variable Rate Mortgage 5% Deposit 3.69% Variable
    3.69% 5.24% 5.1% APRC 95% N/A £99

    Key Features

    Variable rate

    A variable rate, currently ​​3.69%, which is discounted by ​​1.55% from our Standard Variable Rate for the first 2 years. It then changes to our Standard Variable Rate, which is currently 5.24%, and remains on our variable rate terms for the rest of the mortgage.

    The overall cost for comparison is 5.1% APRC representative.

    What you Pay

    • Daily interest.
    • An application fee of £99 (non-refundable) is payable with the application.
    • A valuation fee is payable for all properties worth £800,000 or more.

    Early repayment charge

    An Early Repayment Charge of 3% on the amount repaid will be applied for the duration of the product term. You can overpay by up to 10% of the loan outstanding per calendar year without charge.

    What we Pay

    • The first valuation fee for properties worth less than £800,000
    • £100 cashback for NEU members upon completion.

    Who can apply and more information

    • Available for home purchase applications only.
    • At least one applicant must be a qualified teacher or lecturer.

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

    Representative Example

    A mortgage of £157,000 over 29 years initially on a discounted variable rate of ​​3.69% (equal to a ​1.55% discount off our SVR)  for 2 years and then on our Standard Variable Rate of 5.24% for the remaining term, would require 24 monthly payments of £735.42 and 324 monthly payments of £​869.75.

    The total amount payable would be £​299,689.92 made up of the loan amount plus interest (£​142,480.92) with a funds transfer fee of £25, mortgage application fee of £99 and a mortgage exit fee of £85.

    The overall cost for comparison is 5.1% APRC representative.

    Call us today on 0800 378 669

    This product may be withdrawn or amended at any time, without prior notice

    ​Fixed Rate

    2 Year Fixed Rate Mortgage 20% Deposit 3.59% Fixed
    3.59% 5.24% 5.1% APRC 80% £899 £99

    Key Features

    Fixed rate

    A fixed rate of ​​3.59% for the first 2 years (fixed until 14/​​10/2021). It then changes to our Standard Variable Rate, which is currently 5.24%, and remains on our variable rate terms for the rest of the mortgage.

    The overall cost for comparison is ​5.1% APRC.

    What you Pay

    • Daily interest.
    • An application fee of £99 (non-refundable) is payable with the application.
    • An arrangement fee of £899 is payable with the application.
    • A valuation fee is payable for all properties worth £800,000 or more.

    Early repayment charge

    An Early Repayment Charge of 3% on the amount repaid will be applied for the duration of the product term. You can overpay by up to 10% of the loan outstanding per calendar year without charge.
     

    What we Pay

    • The first valuation fee for properties worth less than £800,000.
    • £100 cashback for NEU members upon completion.

    Who can apply and more information

    • Available for home purchase applications​ only.

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

    Representative Example

    A mortgage of £157,000 over 29 years initially on a fixed rate of ​3.59% (ending on 14th ​October 2021) and then our Standard Variable Rate of 5.24% for the remaining term, would require ​27 monthly payments of £726.64 and 321 monthly payments of £​866.82.

    The total amount payable would be £​​298,991.99 made up of the loan amount plus interest (£140,883.99) with a funds transfer fee of £25, mortgage application fee of £99, mortgage arrangement fee of £899 and a mortgage exit fee of £85.

    The overall cost for comparison is 5.1% APRC representative.

    Call us today on 0800 378 669

    This product may be withdrawn or amended at any time, without prior notice

    2 Year Fixed Rate Remortgage 20% Deposit 3.59% Fixed
    3.59% 5.24% 5.1% APRC 80% N/A £99

    Key Features

    Fixed rate

    A fixed rate of ​3.​​59% for the first 2 years (fixed until 14/10/2021). It then changes to our Standard Variable Rate, which is currently 5.24%, and remains on our variable rate terms for the rest of the mortgage.
     
    The overall cost for comparison is 5.1% APRC.
     

    What you Pay

    • Daily interest.
    • An application fee of £99 (non-refundable) is payable with the application.
    • A valuation fee is payable for all properties worth £800,000 or more.

    Early repayment charge

    An Early Repayment Charge of 3% on the amount repaid will be applied for the duration of the product term. You can overpay by up to 10% of the loan outstanding per calendar year without charge.

    What we Pay

    • The first valuation fee for properties worth less than £800,000.
    • Legal fees will be paid when using our appointed solicitor. For non-standard remortgages (i.e. ​Shared Ownership, transfer of equity, unencumbered property), we will pay £250 towards the legal costs and this will be sent directly to your solicitor on completion of the mortgage.
    • £100 cashback for NEU members upon completion.

    Who can apply and more information

    • Available for remortgage applications only.

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

    Representative Example

    A mortgage of £157,000 over 29 years initially on a fixed rate of ​3.59% (ending on 14th ​October 2021) and then our Standard Variable Rate of 5.24% for the remaining term, would require ​27 monthly payments of £726.64 and 321 monthly payments of £​866.82.

    The total amount payable would be £​​298,991.99 made up of the loan amount plus interest (£140,883.99) with a funds transfer fee of £25, mortgage application fee of £99, mortgage arrangement fee of £899 and a mortgage exit fee of £85.

    The overall cost for comparison is 5.1% APRC representative.

    Call us today on 0800 378 669

    This product may be withdrawn or amended at any time, without prior notice

    2 Year Fixed Rate Mortgage 10% Deposit 4.09% Fixed
    4.09% 5.24% 5.1% APRC 90% N/A £99

    Key Features

    Fixed rate

    A fixed rate of ​4.09% for the first ​2 years (fixed until 14/​​10/2021). It then changes to our Standard Variable Rate, which is currently 5.24%, and remains on our variable rate terms for the rest of the mortgage.

    The overall cost for comparison is ​5.1% APRC.

    What you Pay

  • Daily interest.
  • An application fee of £99 (non-refundable) is payable with the application.
  • A valuation fee is payable for all properties worth £800,000 or more.
  • Early repayment charge

    An Early Repayment Charge of 3% on the amount repaid will be applied for the duration of the product term. You can overpay by up to 10% of the loan outstanding per calendar year without charge.
     

    What we Pay

    • The first valuation fee for properties worth less than £800,000.
    • For remortgage applications, legal fees will be paid when using our appointed solicitor. For non-standard remortgages (i.e. ​Shared Ownership, transfer of equity, unencumbered property), we will pay £250 towards the legal costs and this will be sent directly to your solicitor on completion of the mortgage.
    • £100 cashback for NEU members upon completion.

    Who can apply and more information

    • Available for home purchase and remortgage applications. 

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

    Representative Example

    A mortgage of £157,000 over 29 years initially on a fixed rate of 4.09% (ending on 14th October 2021) and then our Standard Variable Rate of 5.24% for the remaining term, would require ​27 monthly payments of £​771.08 and 321 monthly payments of £​869.76.

    The total amount payable would be £​300,​238.77 made up of the loan amount plus interest (£143,029.77) with a funds transfer fee of £25, mortgage application fee of £99 and a mortgage exit fee of £85.

    The overall cost for comparison is 5.​1% APRC representative.
     

    Call us today on 0800 378 669

    This product may be withdrawn or amended at any time, without prior notice

    Teacher Exclusive, 5 Year Fixed Rate Mortgage 5% Deposit 4.64% Fixed
    4.64% 5.24% 5.1% APRC 95% N/A £99

    Key Features

    Fixed rate

    A fixed rate of ​4.64% for the first 5 years (fixed until 14/​​06/2024). It then changes to our Standard Variable Rate, which is currently 5.24%, and remains on our variable rate terms for the rest of the mortgage.

    The overall cost for comparison is ​5.1% APRC.

    What you Pay

    • Daily interest.
    • An application fee of £99 (non-refundable) is payable with the application.
    • A valuation fee is payable for all properties worth £800,000 or more.

    Early repayment charge

    An Early Repayment Charge of 3% on the amount repaid will be applied for the duration of the product term. You can overpay by up to 10% of the loan outstanding per calendar year without charge.

     

    What we Pay

    • The first valuation fee for properties worth less than £800,000.​
    • £100 cashback for NEU members upon completion.

    Who can apply and more information

    • Available for home purchase applications only.
    • Available to teachers only.

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

    Representative Example

    A mortgage of £157,000 over 29 years initially on a fixed rate of 4.64% (ending on 14th ​​June 202​4) and then our Standard Variable Rate of 5.24% for the remaining term, would require ​59 monthly payments of £​821.54 and 289 monthly payments of £867.89.

    The total amount payable would be £299,​520.11 made up of the loan amount plus interest (£142,311.11) with an application fee of £99, a funds transfer fee of £25 and a mortgage exit fee of £85.

    The overall cost for comparison is 5.1% APRC representative.

    Call us today on 0800 378 669

    This product may be withdrawn or amended at any time, without prior notice

    Teacher Exclusive, Shared Ownership, 2 Year Fixed Rate Mortgage 5% Deposit 3.84% Fixed
    3.84% 5.24% 5.1% APRC 95% N/A £99

    Key Features

    Fixed rate

    A fixed rate of ​3.84% for the first ​2 years (fixed until 14/​​10/2021). It then changes to our Standard Variable Rate, which is currently 5.24%, and remains on our variable rate terms for the rest of the mortgage.

    The overall cost for comparison is ​5.1% APRC.

    What you Pay

  • Daily interest.
  • An application fee of £99 (non-refundable) is payable with the application.
  • A valuation fee is payable for all properties worth £800,000 or more.
  • Early repayment charge

    An Early Repayment Charge of 3% on the amount repaid will be applied for the duration of the product term. You can overpay by up to 10% of the loan outstanding per calendar year without charge.

    What we Pay

    • The first valuation fee for properties worth less than £800,000.
    • For remortgage applications, we will pay £250 towards the legal costs and this will be sent directly to your solicitor on completion of the mortgage.
    • £100 cashback for NEU members upon completion.

    Who can apply and more information

    • Available for Shared Ownership home purchase and remortgage applications
    • Available to teachers only.

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

    Representative Example

    A mortgage of £157,000 over 29 years initially on a fixed rate of 3.84% (ending on 14th October 2021) and then our Standard Variable Rate of 5.24% for the remaining term, would require 27 monthly payments of £748.69 and 321 monthly payments of £868.31.

    The total amount payable would be £299,167.71 made up of the loan amount plus interest (£141,958.71) with a funds transfer fee of £25, mortgage application fee of £99 and a mortgage exit fee of £85.

    The overall cost for comparison is 5.1% APRC representative.

    Call us today on 0800 378 669

    This product may be withdrawn or amended at any time, without prior notice

    Teacher Exclusive, Shared Ownership, 5 Year Fixed Rate Mortgage 5% Deposit 4.35% Fixed
    4.35% 5.24% 5.0% APRC 95% N/A £99

    Key Features

    Fixed rate

    A fixed rate of ​4.35% for the first 5 years (fixed until 14/​​06/2024). It then changes to our Standard Variable Rate, which is currently 5.24%, and remains on our variable rate terms for the rest of the mortgage.

    The overall cost for comparison is ​5.0% APRC.

     

    What you Pay

    • Daily interest.
    • An application fee of £99 (non-refundable) is payable with the application.
    • A valuation fee is payable for all properties worth £800,000 or more.

    Early repayment charge

    An Early Repayment Charge of 3% on the amount repaid will be applied for the duration of the product term. You can overpay by up to 10% of the loan outstanding per calendar year without charge.

    What we Pay

    • The first valuation fee for properties worth less than £800,000.
    • For remortgage applications, we will pay £250 towards the legal costs and this will be sent directly to your solicitor on completion of the mortgage.
    • ​£100 cashback for NEU members upon completion.

    Who can apply and more information

    • Available for Shared Ownership home purchase and remortgage applications.
    • Available to teachers only.

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

    Representative Example

    A mortgage of £157,000 over 29 years initially on a fixed rate of 4.35% (ending on 14th June 2024) and then our Standard Variable Rate of 5.24% for the remaining term, would require 59 monthly payments of £794.73 and 289 monthly payments of £864.30.

    The total amount payable would be £296,899.55 made up of the loan amount plus interest (£139,690.55) with a funds transfer fee of £25, mortgage application fee of £99 and a mortgage exit fee of £85.

    The overall cost for comparison is 5.0% APRC representative.

    Call us today on 0800 378 669

    This product may be withdrawn or amended at any time, without prior notice