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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

Back on Track 2 Year Variable Rate Mortgage 40% Deposit 3.54% Variable
3.54% 5.24% 5.1% APRC 60% N/A £199

Key Features

Variable rate

A variable rate, currently 3.54%, 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 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 £199 (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 and remortgage applications.

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

Representative Example

A mortgage of £172,000.00 over 27 years initially on a discounted variable rate of 3.54% (equal to a 1.70% discount off our SVR) for 2 years and then our Standard Variable Rate of 5.24% for the remaining term, would require 24 monthly payments of £825.10 and 300 monthly payments of £982.02.

The total amount payable would be £314,734.09 made up of the loan amount plus interest (£142,425.09) with a Application Fee of £199.00, Funds Transfer Fee of £25.00 and a Mortgage Exit Fee of £85.00. 

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This product may be withdrawn or amended at any time, without prior notice

Back on Track 2 Year Variable Rate Remortgage 40% Deposit 3.54% Variable
3.54% 5.24% 5.1% APRC 60% N/A £199

Key Features

Variable rate

A variable rate, currently 3.54%, 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 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 £199 (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 and remortgage applications.

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

Representative Example

A mortgage of £172,000.00 over 27 years initially on a discounted variable rate of 3.54% (equal to a 1.70% discount off our SVR) for 2 years and then our Standard Variable Rate of 5.24% for the remaining term, would require 24 monthly payments of £825.10 and 300 monthly payments of £982.02.

The total amount payable would be £314,734.09 made up of the loan amount plus interest (£142,425.09) with a Application Fee of £199.00, Funds Transfer Fee of £25.00 and a Mortgage Exit Fee of £85.00. 

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

Buy-to-Let Mortgage 25% Deposit 3.49% Variable
3.49% 5.99% 5.8% 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 5.8% 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 £172,000.00 over 27 years initially on a discounted variable rate of 3.49% (equal to a 2.50% discount off our SVR) for 2 years and then our Standard Variable Rate of 5.99% for the remaining term, would require 24 monthly payments of £500.23 and 300 monthly payments of £855.86.

The total amount payable would be £442,218.02 made up of the loan amount plus interest (£268,780.02) with a Application Fee of £99.00, Arrangement Fee of £899.00, Funds Transfer Fee of £25.00, Basic Valuation of £330.00 and a Mortgage Exit Fee of £85.00. 

The overall cost for comparison is 5.8% APRC representative.

 

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 2.99% Variable
2.99% 5.99% 5.7% APRC 75% N/A N/A

Key Features

Variable rate

A variable rate, currently 2.99%, which is discounted by 3.00% 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 5.7% APRC representative.

 

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

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 £172,000.00 over 27 years initially on a discounted variable rate of 2.99% (equal to a 3.00% discount off our SVR) for 2 years and then our Standard Variable Rate of 5.99% for the remaining term, would require 24 monthly payments of £428.57 and 300 monthly payments of £856.27.

The total amount payable would be £439,290.80 made up of the loan amount plus interest (£267,180.80) with a Funds Transfer Fee of £25.00 and a Mortgage Exit Fee of £85.00. 

The overall cost for comparison is 5.7% APRC representative.

Call us today on 0800 378 669

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

Holiday Let Remortgage 25% Deposit 2.99% Variable
2.99% 5.99% 5.7% APRC 75% N/A N/A

Key Features

Variable rate

A variable rate, currently 2.99%, which is discounted by 3.00% 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 5.7% APRC representative.

 

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, 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.

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 £172,000.00 over 27 years initially on a discounted variable rate of 2.99% (equal to a 3.00% discount off our SVR) for 2 years and then our Standard Variable Rate of 5.99% for the remaining term, would require 24 monthly payments of £428.57 and 300 monthly payments of £856.27.

The total amount payable would be £439,290.80 made up of the loan amount plus interest (£267,180.80) with a Funds Transfer Fee of £25.00 and a Mortgage Exit Fee of £85.00. 

The overall cost for comparison is 5.7% 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 2.94% Variable
2.94% 5.24% 5.0% APRC 80% N/A £199

Key Features

Variable rate

A variable rate, currently 2.94%, which is discounted by 2.30% 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 £199 (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

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 £172,000.00 over 27 years initially on a discounted variable rate of 2.94% (equal to a 2.30% discount off our SVR) for 2 years and then our Standard Variable Rate of 5.24% for the remaining term, would require 24 monthly payments of £769.77 and 300 monthly payments of £977.80.

The total amount payable would be £312,137.33 made up of the loan amount plus interest (£139,828.33) with a Application Fee of £199.00, Funds Transfer Fee of £25.00 and a Mortgage Exit Fee of £85.00. 

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 2.94% Variable
2.94% 5.24% 5.0% APRC 80% N/A £199

Key Features

Variable rate

A variable rate, currently 2.94%, which is discounted by 2.30% 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 £199 (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.

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 £172,000.00 over 27 years initially on a discounted variable rate of 2.94% (equal to a 2.30% discount off our SVR) for 2 years and then our Standard Variable Rate of 5.24% for the remaining term, would require 24 monthly payments of £769.77 and 300 monthly payments of £977.80.

The total amount payable would be £312,137.33 made up of the loan amount plus interest (£139,828.33) with an Application Fee of £199.00, Funds Transfer Fee of £25.00 and a Mortgage Exit Fee of £85.00. 

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

Back on Track 2 Year Variable Rate Mortgage 20% Deposit 3.99% Variable
3.99% 5.24% 5.1% APRC 80% N/A £199

Key Features

Variable rate

A variable rate, currently 3.99%, which is discounted by 1.25% 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 £199 (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 and remortgage applications.

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

Representative Example

A mortgage of £172,000.00 over 27 years initially on a discounted variable rate of 3.99% (equal to a 1.25% discount off our SVR) for 2 years and then our Standard Variable Rate of 5.24% for the remaining term, would require 24 monthly payments of £867.99 and 300 monthly payments of £984.97.

The total amount payable would be £316,650.57 made up of the loan amount plus interest (£144,341.57) with a Application Fee of £199.00, Funds Transfer Fee of £25.00 and a Mortgage Exit Fee of £85.00. 

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

Back on Track 2 Year Variable Rate Remortgage 20% Deposit 3.99% Variable
3.99% 5.24% 5.1% APRC 80% N/A £199

Key Features

Variable rate

A variable rate, currently 3.99%, which is discounted by 1.25% 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 £199 (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 and remortgage applications.

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

Representative Example

A mortgage of £172,000.00 over 27 years initially on a discounted variable rate of 3.99% (equal to a 1.25% discount off our SVR) for 2 years and then our Standard Variable Rate of 5.24% for the remaining term, would require 24 monthly payments of £867.99 and 300 monthly payments of £984.97.

The total amount payable would be £316,650.57 made up of the loan amount plus interest (£144,341.57) with a Application Fee of £199.00, Funds Transfer Fee of £25.00 and a Mortgage Exit Fee of £85.00. 

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 20% Deposit 2.74% Variable
2.74% 5.24% 4.9% APRC 80% N/A £199

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 4.9% APRC representative.

What you Pay

  • Daily interest.
  • An application fee of £199 (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 and remortgage applications.
  • 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 £172,000.00 over 27 years initially on a discounted variable rate of 2.74% (equal to a 2.50% discount off our SVR) for 2 years and then our Standard Variable Rate of 5.24% for the remaining term, would require 24 monthly payments of £751.80 and 300 monthly payments of £976.36.

The total amount payable would be £311,273.11 made up of the loan amount plus interest (£138,964.11) with a Application Fee of £199.00, Funds Transfer Fee of £25.00 and a Mortgage Exit Fee of £85.00. 

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 Remortgage 20% Deposit 2.74% Variable
2.74% 5.24% 4.9% APRC 80% N/A £199

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 4.9% APRC representative.
 

What you Pay

  • Daily interest.
  • An application fee of £199 (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.
  • 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 £172,000.00 over 27 years initially on a discounted variable rate of 2.74% (equal to a 2.50% discount off our SVR) for 2 years and then our Standard Variable Rate of 5.24% for the remaining term, would require 24 monthly payments of £751.80 and 300 monthly payments of £976.36.

    The total amount payable would be £311,273.11 made up of the loan amount plus interest (£138,964.11) with a Application Fee of £199.00, Funds Transfer Fee of £25.00 and a Mortgage Exit Fee of £85.00. 

    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

    2 Year Variable Rate Mortgage 10% Deposit 3.19% Variable
    3.19% 5.24% 5.0% APRC 90% N/A £199

    Key Features

    Variable rate

    A variable rate, currently 3.19%, which is discounted by 2.05% 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 £199 (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

    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 £172,000.00 over 27 years initially on a discounted variable rate of 3.19% (equal to a 2.05% discount off our SVR) for 2 years and then our Standard Variable Rate of 5.24% for the remaining term, would require 24 monthly payments of £792.56 and 300 monthly payments of £979.57.

    The total amount payable would be £313,216.47 made up of the loan amount plus interest (£140,907.47) with a Application Fee of £199.00, Funds Transfer Fee of £25.00 and a Mortgage Exit Fee of £85.00. 

    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 10% Deposit 3.19% Variable
    3.19% 5.24% 5.0% APRC 90% N/A £199

    Key Features

    Variable rate

    A variable rate, currently 3.19%, which is discounted by 2.05% 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 £199 (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.

    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 £172,000.00 over 27 years initially on a discounted variable rate of 3.19% (equal to a 2.05% discount off our SVR) for 2 years and then our Standard Variable Rate of 5.24% for the remaining term, would require 24 monthly payments of £792.56 and 300 monthly payments of £979.57.

    The total amount payable would be £313,216.47 made up of the loan amount plus interest (£140,907.47) with a Application Fee of £199.00, Funds Transfer Fee of £25.00 and a Mortgage Exit Fee of £85.00. 

    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

    Teacher Exclusive, 2 Year Variable Rate Mortgage 10% Deposit 2.99% Variable
    2.99% 5.24% 5.0% APRC 90% N/A £199

    Key Features

    Variable rate

    A variable rate, currently 2.99%, which is discounted by 2.25% 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 £199 (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.
    • 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 £172,000.00 over 27 years initially on a discounted variable rate of 2.99% (equal to a 2.25% discount off our SVR) for 2 years and then our Standard Variable Rate of 5.24% for the remaining term, would require 24 monthly payments of £774.30 and 300 monthly payments of £978.16.

    The total amount payable would be £312,354.29 made up of the loan amount plus interest (£140,045.29) with a Application Fee of £199.00, Funds Transfer Fee of £25.00 and a Mortgage Exit Fee of £85.00. 

    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

    Teacher Exclusive, 2 Year Variable Rate Remortgage 10% Deposit 2.99% Variable
    2.99% 5.24% 5.0% APRC 90% N/A £199

    Key Features

    Variable rate

    A variable rate, currently 2.99%, which is discounted by 2.25% 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 £199 (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.
    • 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 £172,000.00 over 27 years initially on a discounted variable rate of 2.99% (equal to a 2.25% discount off our SVR) for 2 years and then our Standard Variable Rate of 5.24% for the remaining term, would require 24 monthly payments of £774.30 and 300 monthly payments of £978.16.

    The total amount payable would be £312,354.29 made up of the loan amount plus interest (£140,045.29) with a Application Fee of £199.00, Funds Transfer Fee of £25.00 and a Mortgage Exit Fee of £85.00. 

    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

    Teacher Exclusive, 2 Year Variable Rate Mortgage 5% Deposit 3.24% Variable
    3.24% 5.24% 5.0% APRC 95% N/A £199

    Key Features

    Variable rate

    A variable rate, currently 3.24%, which is discounted by 2.00% 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 £199 (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 £172,000.00 over 27 years initially on a discounted variable rate of 3.24% (equal to a 2.00% discount off our SVR) for 2 years and then our Standard Variable Rate of 5.24% for the remaining term, would require 24 monthly payments of £797.17 and 300 monthly payments of £979.91.

    The total amount payable would be £313,429.35 made up of the loan amount plus interest (£141,120.35) with a Application Fee of £199.00, Funds Transfer Fee of £25.00 and a Mortgage Exit Fee of £85.00. 

    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

    ​Fixed Rate

    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 14/03/2022). 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 £172,000.00 over 27 years initially on a fixed rate of 3.59% (Ending on 14 March 2022) and then our Standard Variable Rate of 5.24% for the remaining term, would require 26 monthly payments of £829.81 and 298 monthly payments of £979.74.

    The total amount payable would be £314,662.50 made up of the loan amount plus interest (£141,554.50) with a Application Fee of £99.00, Arrangement Fee of £899.00, Funds Transfer Fee of £25.00 and a Mortgage Exit Fee of £85.00. 

    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 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 14/03/2022). 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 £172,000.00 over 27 years initially on a fixed rate of 3.59% (Ending on 14 March 2022) and then our Standard Variable Rate of 5.24% for the remaining term, would require 26 monthly payments of £829.81 and 298 monthly payments of £979.74.

    The total amount payable would be £314,662.50 made up of the loan amount plus interest (£141,554.50) with a Application Fee of £99.00, Arrangement Fee of £899.00, Funds Transfer Fee of £25.00 and a Mortgage Exit Fee of £85.00. 

    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 14/03/2022). 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 £172,000.00 over 27 years initially on a fixed rate of 4.09% (Ending on 14 March 2022) and then our Standard Variable Rate of 5.24% for the remaining term, would require 26 monthly payments of £877.68 and 298 monthly payments of £983.01.

    The total amount payable would be £315,984.94 made up of the loan amount plus interest (£143,775.94) with a Application Fee of £99.00, Funds Transfer Fee of £25.00 and a Mortgage Exit Fee of £85.00. 

    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

    Newly Qualified Teacher Exclusive, 5 Year Fixed Rate Mortgage 5% Deposit 3.99% Fixed
    3.99% 5.24% 4.9% APRC 95% N/A £199

    Key Features

    Fixed rate

    A fixed rate of 3.99% for the first 5 years (fixed until 14/01/2025). 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 £199 (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 newly qualified teacher (NQT).

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

    Representative Example

    A mortgage of £172,000.00 over 27 years initially on a fixed rate of 3.99% (Ending on 14 January 2025) and then our Standard Variable Rate of 5.24% for the remaining term, would require 59 monthly payments of £867.99 and 265 monthly payments of £971.14.

    The total amount payable would be £308,891.32 made up of the loan amount plus interest (£136,582.32) with a Application Fee of £199.00, Funds Transfer Fee of £25.00 and a Mortgage Exit Fee of £85.00. 

    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 Fixed Rate Mortgage 5% Deposit 3.94% Fixed
    3.94% 5.24% 5.1% APRC 95% N/A £199

    Key Features

    Fixed rate

    A fixed rate of 3.94% for the first 2 years (fixed until 14/03/2022). 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 £199 (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 £172,000.00 over 27 years initially on a fixed rate of 3.94% (Ending on 14 March 2022) and then our Standard Variable Rate of 5.24% for the remaining term, would require 25 monthly payments of £863.17 and 299 monthly payments of £982.58.

    The total amount payable would be £315,698.25 made up of the loan amount plus interest (£143,389.25) with a Application Fee of £199.00, Funds Transfer Fee of £25.00 and a Mortgage Exit Fee of £85.00. 

    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 3.99% Fixed
    3.99% 5.24% 4.9% APRC 95% N/A £199

    Key Features

    Fixed rate

    A fixed rate of 3.99% for the first 5 years (fixed until 14/01/2025). 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 £199 (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 £172,000.00 over 27 years initially on a fixed rate of 3.99% (Ending on 14 January 2025) and then our Standard Variable Rate of 5.24% for the remaining term, would require 59 monthly payments of £867.99 and 265 monthly payments of £971.14.

    The total amount payable would be £308,891.32 made up of the loan amount plus interest (£136,582.32) with a Application Fee of £199.00, Funds Transfer Fee of £25.00 and a Mortgage Exit Fee of £85.00. 

    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, 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 14/03/2022). 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 £172,000.00 over 27 years initially on a fixed rate of 3.84% (Ending on 14 March 2022) and then our Standard Variable Rate of 5.24% for the remaining term, would require 26 monthly payments of £853.56 and 298 monthly payments of £981.40.

    The total amount payable would be £314,876.86 made up of the loan amount plus interest (£142,667.86) with a Application Fee of £99.00, Funds Transfer Fee of £25.00 and a Mortgage Exit Fee of £85.00. 

    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 14/01/2025). 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 £172,000.00 over 27 years initially on a fixed rate of 4.35% (Ending on 14 January 2025) and then our Standard Variable Rate of 5.24% for the remaining term, would require 60 monthly payments of £903.14 and 264 monthly payments of £976.09.

    The total amount payable would be £312,105.67 made up of the loan amount plus interest (£139,896.67) with a Application Fee of £99.00, Funds Transfer Fee of £25.00 and a Mortgage Exit Fee of £85.00. 

    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

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