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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 3.49% 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


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.
  • 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

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 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 4.20% Variable
4.20% 5.24% 5.2% APRC 95% N/A £99

Key Features

Variable rate

A variable rate, currently ​4.20%, which is discounted by ​1.​04% 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 5.2% 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 4.20% (equal to a 1.04% 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 £781.04 and 324 monthly payments of £872.63.

The total amount payable would be £301,821.71 made up of the loan amount plus interest (£144,495.21) 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 5.2% 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 3.59% Fixed
3.59% 5.24% 5.0% APRC 80% £899 £99

Key Features

Fixed rate

A fixed rate of ​3.​​59% for the first 3 years (fixed until 14/1​2/2021). 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 5.0% 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 December 2021) and then our Standard Variable Rate of 5.24% for the remaining term, would require 38 monthly payments of £726.64 and 310 monthly payments of £862.50.

The total amount payable would be £296,228.31 made up of the loan amount plus interest (£138,002.81) 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

3 Year Fixed Rate Remortgage 20% Deposit 3.59% Fixed
3.59% 5.24% 5.0% APRC 80% N/A £99

Key Features

Fixed rate

A fixed rate of ​3.​​59% for the first 3 years (fixed until 14/1​2/2021). 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 5.0% 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, 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 December 2021) and then our Standard Variable Rate of 5.24% for the remaining term, would require 38 monthly payments of £726.64 and 310 monthly payments of £862.50.

The total amount payable would be £296,228.31 made up of the loan amount plus interest (£138,002.81) 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

5 Year Fixed Rate Mortgage 20% Deposit 3.99% Fixed
3.99% 5.24% 4.9% APRC 80% £899 £99

Key Features

Fixed rate

A fixed rate of ​3.​​99% for the first 5 years (fixed until 14/​​1​1/2023). 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 4.9% 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 3.99% (ending on 14th November 2023) and then our Standard Variable Rate of 5.24% for the remaining term, would require 61 monthly payments of £762.08 and 287 monthly payments of £858.97.

    The total amount payable would be £294,253.99 made up of the loan amount plus interest (£136,028.49) 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 4.9% 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 Remortgage 20% Deposit 3.99% Fixed
    3.99% 5.24% 4.9% APRC 80% N/A £99

    Key Features

    Fixed rate

    A fixed rate of ​3.​​99% for the first 5 years (fixed until 14/​​1​1/2023). 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 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

    • 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 (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 fixed rate of 3.99% (ending on 14th November 2023) and then our Standard Variable Rate of 5.24% for the remaining term, would require 61 monthly payments of £762.08 and 287 monthly payments of £858.97.

    The total amount payable would be £294,253.99 made up of the loan amount plus interest (£136,028.49) 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 4.9% 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 3.59% Fixed
    3.59% 5.24% 4.8% APRC 80% N/A N/A

    Key Features

    Fixed rate

    A fixed rate of ​3.​​59% for the first 2 years (fixed until 14/10/2020). 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.
  • 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 £157,000 over 29 years initially on a fixed rate of 3.59% (ending on 14th October 2020) and then our Standard Variable Rate of 5.24% for the remaining term, would require 24 monthly payments of £726.64 and 324 monthly payments of £867.92.

    The total amount payable would be £298,888.43 made up of the loan amount plus interest (£141,660.93) 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 5.1% 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 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 3 years (fixed until 14/​​12/2021). 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 (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 fixed rate of 4.09% (ending on 14th December 2021) and then our Standard Variable Rate of 5.24% for the remaining term, would require 38 monthly payments of £771.08 and 310 monthly payments of £866.71.

    The total amount payable would be £298,325.29 made up of the loan amount plus interest (£140,998.79) 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

    Shared Ownership, 3 Year Fixed Rate Mortgage 10% Deposit 4.39% Fixed
    4.39% 5.24% 5.1% APRC 90% N/A £99

    Key Features

    Fixed rate

    A fixed rate of ​​4.39% for the first ​3 years (fixed until 14/​​1​1/2021). 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 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 4.39% (ending on 14th November 2021) and then our Standard Variable Rate of 5.24% for the remaining term, would require 37 monthly payments of £798.40 and 311 monthly payments of £869.36.

    The total amount payable would be £300,257.21 made up of the loan amount plus interest (£142,930.71) 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

    Shared Ownership, 3 Year Fixed Rate Mortgage 5% Deposit 4.59% Fixed
    4.59% 5.24% 5.2% APRC 95% N/A £99

    Key Features

    Fixed rate

    A fixed rate of 4.​59% for the first 3 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 5.2% 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 £157,000 over 29 years initially on a fixed rate of 4.59% (ending on 14th October 2021) and then our Standard Variable Rate of 5.24% for the remaining term, would require 36 monthly payments of £816.88 and 312 monthly payments of £870.96.

    The total amount payable would be £301,493.51 made up of the loan amount plus interest (£144,167.01) 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 5.2% 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/​​11/2023). 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

    • £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 £157,000 over 29 years initially on a fixed rate of 4.64% (ending on 14th November 2023) and then our Standard Variable Rate of 5.24% for the remaining term, would require 61 monthly payments of £821.54 and 287 monthly payments of £867.50.

    The total amount payable would be £299,432.98 made up of the loan amount plus interest (£142,106.48) 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