Product 
Initial Interest Rate 
Period 
Max LTV 
Fees 
3 Year Discount 
1.94% Variable (Our SVR with a 2.26% discount) 
3 Years 
75% 
Purchase: £600 Remortgage: £850 Valuation fee applies for properties valued at over £1m. 
A mortgage of £180,000 payable over 35 years initially on our standard variable rate, currently 4.2% with a discount of 2.26% for 36 months giving a current rate payable of 1.94% and then on our standard variable rate, currently 4.2% for the remaining 32 years would require 36 monthly payments of £592.71 and 384 monthly payments of £803.04 plus one initial interest payment of £67.19.
The total amount payable would be £329,887.11 made up of the loan amount plus interest of £149,172.11, an application fee of £600 and a MEAF of £115.
The overall cost for comparison is 3.8% APRC representative.

3 Year Discount 
2.74% Variable (Our SVR with a 1.46% discount) 
3 Years 
85% 
Purchase: £600 Remortgage: £850 Valuation fee applies for properties valued at over £1m. 
A mortgage of £255,000 payable over 35 years initially on our standard variable rate, currently 4.2% with a discount of 1.46% for 36 months giving a current rate payable of 2.74% and then on our standard variable rate, currently 4.2% for the remaining 32 years would require 36 monthly payments of £944.74 and 384 monthly payments of £1,144.01 plus one initial interest payment of £325.42.
The total amount payable would be £474,350.90 made up of the loan amount plus interest of £218,635.90, an application fee of £600 and a MEAF of £115.
The overall cost for comparison is 4% APRC representative.

3 year Discount 
3% Variable (Our SVR with a 1.20% discount) 
3 Years 
90% 
Purchase: £600 Remortgage: £850 
A mortgage of £192,000 payable over 35 years initially on our standard variable rate, currently 4.2% with a discount of 1.20% for 36 months giving a current rate payable of 3% and then on our standard variable rate, currently 4.2% for the remaining 32 years would require 36 monthly payments of £741.22 and 384 monthly payments of £866.39 plus one initial interest payment of £15.83.
The total amount payable would be £359,508.51 made up of the loan amount plus interest of £166,793.51, an application fee of £600 and a MEAF of £115.
The overall cost for comparison is 4.1% APRC representative.

3 Year Discount 
3.74% Variable (Our SVR with a 0.46% discount) 
3 Years 
95% 
Purchase: £600 
A mortgage of £299,250 payable over 30 years initially on our standard variable rate, currently 4.2% with a discount of 0.46% for 36 months giving a current rate payable of 3.74% and then on our standard variable rate, currently 4.2% for the remaining 27 years would require 36 monthly payments of £1,384.18 and 324 monthly payments of £1,456.97 plus one initial interest payment of £122.65.
The total amount payable would be £522,726.41 made up of the loan amount plus interest of £222,761.41 an application fee of £600 and a MEAF of £115.
The overall cost for comparison is 4.2% APRC representative..

Home Starter for first time buyers 
3% Variable (Our SVR with a 1.20% discount) 
3 Years 
90% 
Purchase: £600 
A mortgage of £122,548.36 payable over 22 years initially on our standard variable rate, currently 4.2% with a discount of 1.20% for 36 months giving a current rate payable of 3% and then on our standard variable rate, currently 4.2% for the remaining 19 years would require 36 monthly payments of £306.37 and 228 monthly payments of £781.07 plus one initial interest payment of £141.01.
The total amount payable would be £189,969.29 made up of the loan amount plus interest of £66,705.93, an application fee of £600 and a MEAF of £115.
The overall cost for comparison is 4% APRC representative.

Home Starter for first time buyers 
3.74% Variable (Our SVR with a 0.46% discount) 
3 Years 
95% 
Purchase: £600 
A mortgage of £226,100 payable over 35 years initially on our standard variable rate, currently 4.2% with a discount of 0.46% for 36 months giving a current rate payable of 3.74% and then on our standard variable rate, currently 4.2% for the remaining 32 years would require 36 monthly payments of £704.68 and 384 monthly payments of £1,071.44 plus one initial interest payment of £185.34.
The total amount payable would be £437,701.78 made up of the loan amount plus interest of £210,886.78, an application fee of £600 and a MEAF of £115.
The overall cost for comparison is 4.2% APRC representative.

Shared Equity 3 Year Variable 
2.54% Variable (Our SVR with a 1.66% discount) 
3 Years 
75% 
Purchase: £600 Valuation fee applies 
A mortgage of £155,250 payable over 35 years on our standard variable rate, currently 4.2% for the mortgage term of 35 years would require 36 monthly payments of £559.24 then 384 monthly payments of £696.14 plus one initial interest payment of £162.32.
The total amount payable would be £288,327.72 made up of the loan amount plus interest of £132,112.72, an application fee of £600, a valuation fee of £250 and a MEAF of £115.
The overall cost for comparison is 4.3% APRC representative.

Shared Equity Variable 
4.2% Variable (Our SVR) 
Term 
75% 
Purchase: £600 Valuation fee applies 
A mortgage of £155,250 payable over 35 years on our standard variable rate, currently 4.2% for the mortgage term of 35 years would require 420 monthly payments of £707.29 plus one initial interest payment of £268.40.
The total amount payable would be £298,045.20 made up of the loan amount plus interest of £141,830.20, an application fee of £600, a valuation fee of £250 and a MEAF of £115.
The overall cost for comparison is 4.3% APRC representative.

Made to Measure 3 Year Discount 
2.7% Variable (Our SVR with a 1.50% discount) 
3 Years 
75% 
Purchase: £600 Remortgage: £850 Valuation fee applies for properties valued at over £1m. 
A mortgage of £180,000 payable over 35 years initially on our standard variable rate, currently 4.2% with a discount of 1.50% for 36 months giving a current rate payable of 2.7% and then on our standard variable rate, currently 4.2% for the remaining 32 years would require 36 monthly payments of £665.16 and 384 monthly payments of £809.89 plus one initial interest payment of £93.52.
The total amount payable would be £335,152.04 made up of the loan amount plus interest of £154,437.04, an application fee of £600 and a MEAF of £115.
The overall cost for comparison is 4.0% APRC representative.

Discount Market Sale 3 Year Discount 90% 
2.74% Variable (Our SVR with a 1.66% discount) 
3 Years 
90% 
Purchase: £600 Valuation fee applies 
A mortgage of £285,000 payable over 27 years initially on our standard variable rate, currently 4.2% with a discount of 1.46% for 36 months giving a current rate payable of 2.74% and then on our standard variable rate, currently 4.2% for the remaining 24 years would require 36 monthly payments of £1,245.72 and 288 monthly payments of £1,449.32 plus one initial interest payment of £235.34.
The total amount payable would be £463,550.42 made up of the loan amount plus interest of £177,485.42, an application fee of £600, a valuation fee of £350 and a MEAF of £115.
The overall cost for comparison is 3.9% APRC representative.
