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Fixed Rate Mortgages

Fixed rate mortgages

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This product may be withdrawn or amended at any time, without prior notice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

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 4.49% Fixed
4.49% 5.24% 5.2% APRC 95% N/A £99

Key Features

Fixed rate

A fixed rate of 4.​​49% for the first 3 years (fixed until 14/​04/2022). 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 5.2% 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 4.49% (ending on 14th April 2022) and then our Standard Variable Rate of 5.24% for the remaining term, would require 40 monthly payments of £807.62 and 308 monthly payments of £869.43.
 
The total amount payable would be £300,435.12 made up of the loan amount plus interest (£143,108.62) with an application fee of £99, a funds transfer fee of £25, legal fees of £117.50 and a mortgage exit fee of £85.

The overall cost for comparison is 5.2% 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/​​1​​2/2023). 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

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

Who can apply and more information

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

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

Representative Example

A mortgage of £157,000 over 29 years initially on a fixed rate of 4.64% (ending on 14th December 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 £867.52.

The total amount payable would be £299,438.72 made up of the loan amount plus interest (£142,112.22) with an application fee of £99, 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

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