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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 3.24% Variable
3.24% 5.74% 5.6% APRC 75% £899 £99

Key Features

Variable rate

A variable rate, currently ​3.24%, 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.​74%, and remains on our variable rate terms for the rest of the mortgage.

The overall cost for comparison is 5.6% 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


Who can apply and more information

  • Minimum income of main applicant is £20,000.
  • Not available for houses in multiple occupancy (must be sole occupant, couple or single family unit).
  • Not available for first-time buyers, limited companies, students, DSS tenants, house builders, property developers or professional landlords.
  • A single assured shorthold tenancy agreement will be required.
  • Maximum portfolio of 8 Buy-to-Let properties (3 of which can be mortgaged with us up to a maximum total property value of £1m).
  • 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 £150,000 payable over 28 years initially on a discounted variable rate of 3.24% (equal to a 2.50% discount off our SVR) for 2 years and then our Standard Variable Rate, currently 5.74%, for the remaining term, would require 24 monthly payments of £405.00 and 312 monthly payments of £715.40.

The total amount payable would be £384,438.65 made up of the loan amount plus interest (£232,938.15) with a funds transfer fee of £25, mortgage application fee of £99, mortgage arrangement fee of £899, basic valuation fee of £275, legal fees of £117.50 and a mortgage exit fee of £85.

The overall cost for comparison is 5.6% 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

2 Year Variable Rate Mortgage 20% Deposit 2.39% Variable
2.39% 4.99% 4.7% APRC 80% N/A £99

Key Features

Variable rate

A variable rate, currently ​2.​39%, which is discounted by 2.60% from our Standard Variable Rate for the first 2 years. It then changes to our Standard Variable Rate, which is currently 4.99%, and remains on our variable rate terms for the rest of the mortgage.

The overall cost for comparison is 4.7% 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, Help to Buy, 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 £150,000 over 28 years initially on a discounted variable rate of 2.39% (equal to a 2.60% discount off our SVR)  for 2 years and then on our Standard Variable Rate of 4.99% for the remaining term, would require 24 monthly payments of £612.77 and 312 monthly payments of £814.78.

The total amount payable would be £269,254.18 made up of the loan amount plus interest (£118,927.68) 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 4.7% APRC representative.

Call us today on 0800 378 669

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

3 Year Variable Rate Mortgage 20% Deposit 2.49% Variable
2.49% 4.99% 4.5% APRC 80% N/A £99

Key Features

Variable rate

A variable rate, currently ​​2.49%, which is discounted by 2.50% from our Standard Variable Rate for the first 3 years. It then changes to our Standard Variable Rate, which is currently 4.99%, and remains on our variable rate terms for the rest of the mortgage.

The overall cost for comparison is 4.5% 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

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

Representative Example

A mortgage of £150,000 over 28 years initially on a discounted variable rate of 2.49% (equal to a 2.50% discount off our SVR)  for 3 years and then on our Standard Variable Rate of 4.99% for the remaining term, would require 36 monthly payments of £620.44 and 300 monthly payments of £808.28.

The total amount payable would be £265,156.59 made up of the loan amount plus interest (£114,830.09) with a funds transfer fee of £25, mortgage application fee of £99, mortgage, legal fees of £117.50 and a mortgage exit fee of £85.

The overall cost for comparison is 4.5% 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 3.24% Variable
3.24% 4.99% 4.8% APRC 90% N/A £99

Key Features

Variable rate

A variable rate, currently ​3.24%, which is discounted by 1.75% from our Standard Variable Rate for the first 2 years. It then changes to our Standard Variable Rate, which is currently 4.99%, and remains on our variable rate terms for the rest of the mortgage.

The overall cost for comparison is 4.8% 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 £150,000 over 28 years initially on a discounted variable rate of 3.24% (equal to a 1.75% discount off our SVR)  for 2 years and then on our Standard Variable Rate of 4.99% for the remaining term, would require 24 monthly payments of £679.70 and 312 monthly payments of £819.91.

The total amount payable would be £272,464.58 made up of the loan amount plus interest (£122,138.08) 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 4.8% APRC representative.
 

Call us today on 0800 378 669

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

Shared Ownership, 3 Year Variable Rate Mortgage 5% Deposit 3.99% Variable
3.99% 4.99% 4.9% APRC 95% N/A £99

Key Features

Variable rate

A variable rate, currently 3.​99%, which is discounted by 1.00% from our Standard Variable Rate for the first 3 years. It then changes to our Standard Variable Rate, which is currently 4.99%, and remains on our variable rate terms for the rest of the mortgage.

The overall cost for comparison is 4.9% APRC representative.

What you Pay

  • Daily interest.
  • 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

  • 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 £150,000 payable over 28 years initially on a discounted variable rate of 3.99% (equal to a 1.00% discount off our SVR) for 3 years and then our Standard Variable Rate, currently 4.99%, for the remaining term, would require 36 monthly payments of £741.97 and 300 monthly payments of £821.16.

The total amount payable would be £273,796.87 made up of the loan amount plus interest (£123,075.37) with a funds transfer fee of £25, mortgage application fee of £99, basic valuation fee of £395 legal fees of £117.50 and a mortgage exit fee of £85.

The overall cost for comparison is 4.9% APRC representative.
 

Call us today on 0800 378 669

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

Shared Ownership, 3 Year Variable Rate Remortgage 5% Deposit 3.99% Variable
3.99% 4.99% 4.9% APRC 95% N/A £99

Key Features

Variable rate

A variable rate, currently 3.​99%, which is discounted by 1.00% from our Standard Variable Rate or the first 3 years. It then changes to our Standard Variable Rate, which is currently 4.99%, and remains on our variable rate terms for the rest of the mortgage.

The overall cost for comparison is 4.9% 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

  • We will pay £250 towards the legal costs and this will be sent directly to your solicitor on completion of the mortgage.
  • 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 remortgage ​applications only.

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

Representative Example

A mortgage of £150,000 payable over 28 years initially on a discounted variable rate of 3.99% (equal to a 1.00% discount off our SVR) for 3 years and then our Standard Variable Rate, currently 4.99%, for the remaining term, would require 36 monthly payments of £741.97 and 300 monthly payments of £821.16.

The total amount payable would be £273,796.87 made up of the loan amount plus interest (£123,075.37) with a funds transfer fee of £25, mortgage application fee of £99, basic valuation fee of £395 legal fees of £117.50 and a mortgage exit fee of £85.

The overall cost for comparison is 4.9% 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 3.29% Variable
3.29% 4.99% 4.8% APRC 95% N/A £99

Key Features

Variable rate

A variable rate, currently ​​3.29%, which is discounted by ​1.70% from our Standard Variable Rate for the first 2 years. It then changes to our Standard Variable Rate, which is currently 4.99%, and remains on our variable rate terms for the rest of the mortgage.

The overall cost for comparison is 4.8% 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 £150,000 over 28 years initially on a discounted variable rate of 3.29% (equal to a 1.70% discount off our SVR)  for 2 years and then on our Standard Variable Rate of 4.99% for the remaining term, would require 24 monthly payments of £683.76 and 312 monthly payments of £820.19.

The total amount payable would be £272,649.58 made up of the loan amount plus interest (£122,323.08) 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 4.8% APRC representative.

Call us today on 0800 378 669

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

​Fixed Rate

3 Year Fixed Rate Mortgage 20% Deposit 3.39% Fixed
3.39% 4.99% 4.7% APRC 80% N/A £99

Key Features

Fixed rate

A fixed rate of ​3.​39% for the first 3 years (fixed until 14/0​7/2021). It then changes to our Standard Variable Rate, which is currently 4.99%, and remains on our variable rate terms for the rest of the mortgage.

The overall cost for comparison is 4.7% 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, Help to Buy, 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 £150,000 over 28 years initially on a fixed rate of 3.39% (ending on 14th July 2021) and then our Standard Variable Rate of 4.99% for the remaining term, would require 38 monthly payments of £691.91 and 298 monthly payments of £814.34.

The total amount payable would be £269,306.37 made up of the loan amount plus interest (£118,979.87) 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 4.7% APRC representative.

Call us today on 0800 378 669

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

5 Year Fixed Rate Mortgage 20% Deposit 3.79% Fixed
3.79% 4.99% 4.6% APRC 80% N/A £99

Key Features

Fixed rate

A fixed rate of ​3.​79% for the first 5 years (fixed until 14/​07/2023). It then changes to our Standard Variable Rate, which is currently 4.99%, and remains on our variable rate terms for the rest of the mortgage.

The overall cost for comparison is 4.6% 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, Help to Buy, 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 £150,000 over 28 years initially on a fixed rate of 3.79% (ending on 14th July 2023) and then our Standard Variable Rate of 4.99% for the remaining term, would require 62 monthly payments of £725.08 and 274 monthly payments of £810.83.

    The total amount payable would be £267,464.51 made up of the loan amount plus interest (£117,138.01) 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 4.6% APRC representative.

    Call us today on 0800 378 669

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

    Intermediary Exclusive, 2 Year Fixed Rate Mortgage 20% Deposit 3.39% Fixed
    3.39% 4.99% 4.8% APRC 80% N/A N/A

    Key Features

    Fixed rate

    A fixed rate of ​3.​39% for the first 2 years (fixed until 14/0​7/2020). It then changes to our Standard Variable Rate, which is currently 4.99%, and remains on our variable rate terms for the rest of the mortgage.

    The overall cost for comparison is 4.8% APRC.

    What you Pay

  • Daily interest.
  • 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, Help to Buy, 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.
    • Available via mortgage intermediaries only.

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

    Representative Example

    A mortgage of £150,000 over 28 years initially on a fixed rate of 3.39% (ending on 14th July 2020) and then our Standard Variable Rate of 4.99% for the remaining term, would require 26 monthly payments of £691.91 and 310 monthly payments of £818.81.

    The total amount payable would be £272,062.23 made up of the loan amount plus interest (£121,834.73) with a funds transfer fee of £25, legal fees of £117.50 and a mortgage exit fee of £85.

    The overall cost for comparison is 4.8% APRC representative.

    Call us today on 0800 378 669

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

    3 Year Fixed Rate Mortgage 10% Deposit 3.79% Fixed
    3.79% 4.99% 4.8% APRC 90% N/A £99

    Key Features

    Fixed rate

    A fixed rate of 3.​79% for the first 3 years (fixed until 14/​07/2021). It then changes to our Standard Variable Rate, which is currently 4.99%, and remains on our variable rate terms for the rest of the mortgage.

    The overall cost for comparison is 4.​8% 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 (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 £150,000 over 28 years initially on a fixed rate of 3.79% (ending on 14th July 2021) and then our Standard Variable Rate of 4.99% for the remaining term, would require 38 monthly payments of £725.08 and 298 monthly payments of £817.69.

    The total amount payable would be £271,566.79 made up of the loan amount plus interest (£121,240.29) 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 4.8% APRC representative.

    Call us today on 0800 378 669

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

    Shared Ownership, 3 Year Fixed Rate Mortgage 5% Deposit 4.29% Fixed
    4.29% 4.99% 4.9% APRC 95% N/A £99

    Key Features

    Fixed rate

    A fixed rate of 4.29% for the first 3 years (fixed until 14/07/2021). It then changes to our Standard Variable Rate, which is currently 4.99%, and remains on our variable rate terms for the rest of the mortgage.

    The overall cost for comparison is 4.9% APRC.

    What you Pay

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

    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 and remortgage applications.

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

    Representative Example

    A mortgage of £150,000 over 28 years initially on a fixed rate of 4.29% (ending on 14th July 2021) and then our Standard Variable Rate of 4.99% for the remaining term, would require 37 monthly payments of £767.69 and 299 monthly payments of £821.87.

    The total amount payable would be £274,487.85 made up of the loan amount plus interest (£124,161.35) 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 4.9% 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 4.49% Fixed
    4.49% 4.99% 4.9% APRC 95% N/A £99

    Key Features

    Fixed rate

    A fixed rate of 4.​49% for the first 5 years (fixed until 14/​0​7/2023). It then changes to our Standard Variable Rate, which is currently 4.99%, and remains on our variable rate terms for the rest of the mortgage.

    The overall cost for comparison is ​4.9% 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

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

    Who can apply and more information

    • Available for home purchase applications only (not available for Help to Buy).
    • 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 £150,000 over 28 years initially on a fixed rate of 4.49% (ending on 14th July 2023) and then our Standard Variable Rate of 4.99% for the remaining term, would require 62 monthly payments of £785.09 and 274 monthly payments of £820.05.

    The total amount payable would be £273,714.30 made up of the loan amount plus interest (£123,387.80) 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 4.9% APRC representative.

    Call us today on 0800 378 669

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