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Welcome to our First Time Buyers' mortgage products

First Time Buyers

If you’re a first time buyer, find out how we can help you get your foot on the property ladder with a range of products to suit your needs.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

We're here to help first time buyers

Buying your first home is an exciting time and we understand that you’ll be eager to get your feet firmly on the property ladder, that’s why we have selected a range of mortgages that could be available for you. As a first time buyer you are able to apply for any of the mortgages we currently have available for residential purposes.

If you’re new to mortgages, you’ll find useful information in our Mortgage Hub

Below is a selection of our mortgages which require smaller deposits for first time buyers. To view the full range of mortgages available, please download the full Skipton mortgage product range guide or contact one of our mortgage team on 0345 850 1711.

Initial rate payable 1.49% Variable (Discount of 3.25% off our RMVR). The pay rate will not go below a floor of 0.75%.
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.2% APRC
Early Repayment Charges 0.5% for 2 years
Max LTV 70%
Mortgage fees Application: No fee Completion: £495
Find out more
The APRC is calculated based on the following: A repayment mortgage of £185,000 payable over 20 years 2 months initially on a discounted rate for 2 years at 1.49% variable (Discount of 3.25% off our RMVR) and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £885.12 and 217 monthly payments of £1,155.98 followed by a final payment of £762.21. The total amount payable would be £273,423.75 made up of the loan amount plus interest, Completion fee of £495, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 1.45% Variable (Discount of 3.29% off our RMVR). The pay rate will not go below a floor of 0.75%.
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.2% APRC
Early Repayment Charges 0.5% for 2 years
Max LTV 75%
Mortgage fees Application: No fee Completion: £495
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 23 years initially on a discounted rate for 2 years at 1.45% variable (Discount of 3.29% off our RMVR) and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £619.93 and 251 monthly payments of £843.65 followed by a final payment of £582.35. The total amount payable would be £227,216.82 made up of the loan amount plus interest, Completion fee of £495, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 1.55% Variable (Discount of 3.19% off our RMVR). The pay rate will not go below a floor of 0.75%.
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.3% APRC
Early Repayment Charges 0.5% for 2 years
Max LTV 80%
Mortgage fees Application: No fee Completion: £495
Find out more
The APRC is calculated based on the following: A repayment mortgage of £115,000 payable over 25 years 4 months initially on a discounted rate for 2 years at 1.55% variable (Discount of 3.19% off our RMVR) and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £459.47 and 279 monthly payments of £637.07 followed by a final payment of £401.94. The total amount payable would be £189,171.75 made up of the loan amount plus interest, Completion fee of £495, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 1.70% Variable (Discount of 3.04% off our RMVR). The pay rate will not go below a floor of 0.75%.
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.3% APRC
Early Repayment Charges 0.5% for 2 years
Max LTV 85%
Mortgage fees Application: No fee Completion: £495
Find out more
The APRC is calculated based on the following: A repayment mortgage of £130,000 payable over 26 years 2 months initially on a discounted rate for 2 years at 1.70% variable (Discount of 3.04% off our RMVR) and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £514.93 and 289 monthly payments of £709.12 followed by a final payment of £429.05. The total amount payable would be £217,723.05 made up of the loan amount plus interest, Completion fee of £495, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.29% Variable (Discount of 2.45% off our RMVR). The pay rate will not go below a floor of 0.75%.
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.5% APRC
Early Repayment Charges 0.5% for 2 years
Max LTV 90%
Mortgage fees Application: No fee Completion: £495
Find out more
The APRC is calculated based on the following: A repayment mortgage of £170,000 payable over 30 years 2 months initially on a discounted rate for 2 years at 2.29% variable (Discount of 2.45% off our RMVR) and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £652.19 and 337 monthly payments of £870.88 followed by a final payment of £425.67. The total amount payable would be £309,564.79 made up of the loan amount plus interest, Completion fee of £495, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 1.54% Fixed until 31/10/2019
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.4% APRC
Early Repayment Charges 2% until 31 October 2018,
then
1% until 31 October 2019
Max LTV 60%
Mortgage fees Application: No fee
Completion: £995

Includes a free standard valuation.
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The APRC is calculated based on the following: A repayment mortgage of £155,000 payable over 27 years 11 months initially on a rate fixed until 31/10/2019 at 1.54% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £572.90 and 310 monthly payments of £820.42 followed by a final payment of £359.08. The total amount payable would be £268,438.88 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 1.90% Fixed until 31/10/2019
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.4% APRC
Early Repayment Charges 2% until 31 October 2018,
then
1% until 31 October 2019
Max LTV 80%
Mortgage fees Application: No fee
Completion: £995

Includes a free standard valuation.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £180,000 payable over 30 years initially on a rate fixed until 31/10/2019 at 1.90% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £659.54 and 335 monthly payments of £923.88 followed by a final payment of £335.31. The total amount payable would be £325,664.07 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.55% Fixed until 31/10/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.0% APRC
Early Repayment Charges 5% until 31 October 2018,
then
5% until 31 October 2019,
then
4% until 31 October 2020,
then
3% until 31 October 2021,
then
2% until 31 October 2022
Max LTV 60%
Mortgage fees Application: No fee
Completion: No fee.

Includes a free standard valuation, £500 cashback.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £135,000 payable over 25 Years 10 months initially on a rate fixed until 31/10/2022 at 2.55% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £594.42 and 249 monthly payments of £725.65 followed by a final payment of £444.34. The total amount payable would be £216,796.39 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.95% Fixed until 31/10/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.2% APRC
Early Repayment Charges 5% until 31 October 2018,
then
5% until 31 October 2019,
then
4% until 31 October 2020,
then
3% until 31 October 2021,
then
2% until 31 October 2022
Max LTV 80%
Mortgage fees Application: No fee
Completion: No fee.

Includes a free standard valuation, £500 cashback
Find out more
The APRC is calculated based on the following: A repayment mortgage of £130,000 payable over 33 Years initially on a rate fixed until 31/10/2022 at 2.95% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £513.60 and 335 monthly payments of £631.35 followed by a final payment of £226.75. The total amount payable would be £242,545.00 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.72% Fixed until 31/10/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.2% APRC
Early Repayment Charges 5% until 31 October 2018,
then
5% until 31 October 2019,
then
4% until 31 October 2020,
then
3% until 31 October 2021,
then
2% until 31 October 2022
Max LTV 80%
Mortgage fees Application: No fee
Completion: £995.

Includes a free standard valuation.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £180,000 payable over 30 Years initially on a rate fixed until 31/10/2022 at 2.72% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £735.49 and 299 monthly payments of £910.63 followed by a final payment of £427.55. The total amount payable would be £316,835.32 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.51% Fixed until 31/10/2019
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.5% APRC
Early Repayment Charges 2% until 31 October 2018,
then
1% until 31 October 2019
Max LTV 80%
Mortgage fees Application: No fee
Completion: No fee

Includes a free standard valuation, £500 cashback.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £130,000 payable over 33 years initially on a rate fixed until 31/10/2019 at 2.51% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £482.84 and 371 monthly payments of £640.33 followed by a final payment of £153.45. The total amount payable would be £249,304.04 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.75% fixed until 30/06/2019
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.5% APRC
Early Repayment Charges 2% until 30 June 2018,
then
1% until 30 June 2019
Max LTV 90%
Mortgage fees Application: No fee
Completion: No fee
Find out more
The APRC is calculated based on the following: A repayment mortgage of £155,000 payable over 28 years 6 months initially on a rate fixed until 30/06/2019 at 2.75% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £653.79 and 317 monthly payments of £815.25 followed by a final payment of £434.11. The total amount payable would be £274,559.32 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.29% fixed until 30/06/2019
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.5% APRC
Early Repayment Charges 2% until 30 June 2018,
then
1% until 30 June 2019
Max LTV 90%
Mortgage fees Application: No fee
Completion: £995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £200,000 payable over 29 years 1 months initially on a rate fixed until 30/06/2019 at 2.29% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £788.75 and 324 monthly payments of £1,043.65 followed by a final payment of £527.76. The total amount payable would be £357,600.36 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 1.82% fixed until 30/06/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 3.6% APRC
Early Repayment Charges 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
Max LTV 60%
Mortgage fees Application: No fee
Completion: £1,995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £255,000 payable over 20 years 10 months initially on a rate fixed until 30/06/2022 at 1.82% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,235.16 and 189 monthly payments of £1,524.71 followed by a final payment of £1,232.08. The total amount payable would be £363,511.87 made up of the loan amount plus interest, Completion fee of £1,995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 1.99% fixed until 30/06/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 3.6% APRC
Early Repayment Charges 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
Max LTV 60%
Mortgage fees Application: No fee
Completion: £995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £185,000 payable over 21 years 1 month initially on a rate fixed until 30/06/2022 at 1.99% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £885.95 and 197 monthly payments of £1,088.22 followed by a final payment of £963.12. The total amount payable would be £268,399.46 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.24% fixed until 30/06/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 3.6% APRC
Early Repayment Charges 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
Max LTV 60%
Mortgage fees Application: No fee
Completion: No fee
Find out more
The APRC is calculated based on the following: A repayment mortgage of £80,000 payable over 18 years 7 months initially on a rate fixed until 30/06/2022 at 2.24% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £438.58 and 162 monthly payments of £512.50 followed by a final payment of £439.64. The total amount payable would be £109,779.44 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.10% fixed until 30/06/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 3.9% APRC
Early Repayment Charges 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
Max LTV 70%
Mortgage fees Application: No fee
Completion: £1,995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £300,000 payable over 26 years 3 months initially on a rate fixed until 30/06/2022 at 2.10% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,246.74 and 254 monthly payments of £1,595.84 followed by a final payment of £1,078.73. The total amount payable would be £481,226.49 made up of the loan amount plus interest, Completion fee of £1,995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.16% fixed until 30/06/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 3.8% APRC
Early Repayment Charges 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
Max LTV 70%
Mortgage fees Application: No fee
Completion: £995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £245,000 payable over 24 years 10 months initially on a rate fixed until 30/06/2022 at 2.16% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,066.25 and 237 monthly payments of £1,337.82 followed by a final payment of £953.94. The total amount payable would be £381,992.28 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.36% fixed until 30/06/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 3.8% APRC
Early Repayment Charges 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
Max LTV 70%
Mortgage fees Application: No fee
Completion: No fee
Find out more
The APRC is calculated based on the following: A repayment mortgage of £120,000 payable over 23 years 3 months initially on a rate fixed until 30/06/2022 at 2.36% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £558.84 and 218 monthly payments of £678.13 followed by a final payment of £508.68. The total amount payable would be £181,871.42 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.12% fixed until 30/06/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 3.9% APRC
Early Repayment Charges 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
Max LTV 75%
Mortgage fees Application: No fee
Completion: £1,995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £330,000 payable over 27 years 7 months initially on a rate fixed until 30/06/2022 at 2.12% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,324.68 and 270 monthly payments of £1,714.15 followed by a final payment of £1,096.52. The total amount payable would be £543.397.82 made up of the loan amount plus interest, Completion fee of £1,995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.23% fixed until 30/06/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 3.9% APRC
Early Repayment Charges 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
Max LTV 75%
Mortgage fees Application: No fee
Completion: £995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £255,000 payable over 26 years 3 months initially on a rate fixed until 30/06/2022 at 2.23% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,073.45 and 254 monthly payments of £1,356.37 followed by a final payment of £914.58. The total amount payable would be £409,839.56 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.36% fixed until 30/06/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 3.8% APRC
Early Repayment Charges 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
Max LTV 75%
Mortgage fees Application: No fee
Completion: No fee
Find out more
The APRC is calculated based on the following: A repayment mortgage of £130,000 payable over 23 years 11 months initially on a rate fixed until 30/06/2022 at 2.36% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £592.75 and 226 monthly payments of £723.78 followed by a final payment of £532.79. The total amount payable would be £199,672.07 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.19% fixed until 30/06/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 3.9% APRC
Early Repayment Charges 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
Max LTV 80%
Mortgage fees Application: No fee
Completion: £1,995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £320,000 payable over 28 years 9 months initially on a rate fixed until 30/06/2022 at 2.19% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,257.43 and 284 monthly payments of £1,633.83 followed by a final payment of £989.20. The total amount payable would be £540,442.72 made up of the loan amount plus interest, Completion fee of £1,995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.31% fixed until 30/06/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 3.9% APRC
Early Repayment Charges 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
Max LTV 80%
Mortgage fees Application: No fee
Completion: £995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £260,000 payable over 27 years 2 months initially on a rate fixed until 30/06/2022 at 2.31% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,077.61 and 265 monthly payments of £1,362.62 followed by a final payment of £881.99. The total amount payable would be £426,632.89 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.47% fixed until 30/06/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 3.9% APRC
Early Repayment Charges 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
Max LTV 80%
Mortgage fees Application: No fee
Completion: No fee
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 26 years 7 months initially on a rate fixed until 30/06/2022 at 2.47% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £619.91 and 258 monthly payments of £767.38 followed by a final payment of £509.66. The total amount payable would be £235,688.30 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.25% fixed until 30/06/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.0% APRC
Early Repayment Charges 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
Max LTV 85%
Mortgage fees Application: No fee
Completion: £1,995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £295,000 payable over 30 years 8 months initially on a rate fixed until 30/06/2022 at 2.25% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,116.98 and 307 monthly payments of £1,466.97 followed by a final payment of £805.72. The total amount payable would be £518,184.31 made up of the loan amount plus interest, Completion fee of £1,995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.42% fixed until 30/06/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.0% APRC
Early Repayment Charges 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
Max LTV 85%
Mortgage fees Application: No fee
Completion: £995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £250,000 payable over 28 years 9 months initially on a rate fixed until 30/06/2022 at 2.42% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,009.71 and 284 monthly payments of £1,279.37 followed by a final payment of £773.76. The total amount payable would be £424,697.44 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.57% fixed until 30/06/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.0% APRC
Early Repayment Charges 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
Max LTV 85%
Mortgage fees Application: No fee
Completion: No fee
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 27 years 2 months initially on a rate fixed until 30/06/2022 at 2.57% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £617.98 and 265 monthly payments of £760.96 followed by a final payment of £493.23. The total amount payable would be £239,226.43 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.79% fixed until 30/06/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.2% APRC
Early Repayment Charges 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
Max LTV 90%
Mortgage fees Application: No fee
Completion: £1,995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £220,000 payable over 28 years 10 months initially on a rate fixed until 30/06/2022 at 2.79% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £933.70 and 285 monthly payments of £1,138.29 followed by a final payment of £684.25. The total amount payable would be £381,118.90 made up of the loan amount plus interest, Completion fee of £1,995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.88% fixed until 30/06/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.2% APRC
Early Repayment Charges 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
Max LTV 90%
Mortgage fees Application: No fee
Completion: £995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £200,000 payable over 29 years 1 month initially on a rate fixed until 30/06/2022 at 2.88% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £850.23 and 288 monthly payments of £1,028.36 followed by a final payment of £611.75. The total amount payable would be £347,793.23 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 3.13% fixed until 30/06/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.2% APRC
Early Repayment Charges 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
Max LTV 90%
Mortgage fees Application: No fee
Completion: No fee
Find out more
The APRC is calculated based on the following: A repayment mortgage of £155,000 payable over 28 years 6 months initially on a rate fixed until 30/06/2022 at 3.13% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £684.97 and 281 monthly payments of £804.06 followed by a final payment of £488.84. The total amount payable would be £267,527.90 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.38% Fixed until 31/10/2019
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.5% APRC
Early Repayment Charges 2% until 31 October 2018,
then
1% until 31 October 2019
Max LTV 75%
Mortgage fees Application: No fee
Completion: No fee

Includes a free standard valuation, £500 cashback.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 29 years 6 months initially on a rate fixed until 31/10/2019 at 2.38% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £570.04 and 329 monthly payments of £748.60 followed by a final payment of £285.02. The total amount payable would be £193,333.00 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 1.80% Fixed until 31/10/2019
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.4% APRC
Early Repayment Charges 2% until 31 October 2018,
then
1% until 31 October 2019
Max LTV 75%
Mortgage fees Application: No fee
Completion: £995

Includes a free standard valuation.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £205,000 payable over 29 years 7 months initially on a rate fixed until 31/10/2019 at 1.80% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £748.24 and 330 monthly payments of £1,057.21 followed by a final payment of £390.87. The total amount payable would be £367,227.93 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.80% Fixed until 31/10/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.1% APRC
Early Repayment Charges 5% until 31 October 2018,
then
5% until 31 October 2019,
then
4% until 31 October 2020,
then
3% until 31 October 2021,
then
2% until 31 October 2022
Max LTV 75%
Mortgage fees Application: No fee
Completion: No fee

Includes a free standard valuation, £500 cashback.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 29 years 6 months initially on a rate fixed until 31/10/2022 at 2.80% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £601.76 and 293 monthly payments of £736.06 followed by a final payment of £362.24. The total amount payable would be £252,133.42 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.56% Fixed until 31/10/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.1% APRC
Early Repayment Charges 5% until 31 October 2018,
then
5% until 31 October 2019,
then
4% until 31 October 2020,
then
3% until 31 October 2021,
then
2% until 31 October 2022
Max LTV 75%
Mortgage fees Application: No fee
Completion: £995

Includes a free standard valuation.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £205,000 payable over 29 years 7 months initially on a rate fixed until 31/10/2022 at 2.56% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £827.38 and 294 monthly payments of £1,039.61 followed by a final payment of £499.91. The total amount payable would be £355,788.05 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.31% Fixed until 31/10/2019
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.4% APRC
Early Repayment Charges 2% until 31 October 2018,
then
1% until 31 October 2019
Max LTV 70%
Mortgage fees Application: No fee
Completion: No fee

Includes a free standard valuation, £500 cash back.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 28 years 10 months initially on a rate fixed until 31/10/2019 at 2.31% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £573.90 and 321 monthly payments of £756.02 followed by a final payment of £307.31. The total amount payable would be £256,763.33 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 1.73% Fixed until 31/10/2019
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.4% APRC
Early Repayment Charges 2% until 31 October 2018,
then
1% until 31 October 2019
Max LTV 70%
Mortgage fees Application: No fee
Completion: £995

Includes a free standard valuation.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £210,000 payable over 28 years 5 months initially on a rate fixed until 31/10/2019 at 1.73% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £783.34 and 316 monthly payments of £1,102.24 followed by a final payment of £465.09. The total amount payable would be £367,573.09 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.70% Fixed until 31/10/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.1% APRC
Early Repayment Charges 5% until 31 October 2018,
then
5% until 31 October 2019,
then
4% until 31 October 2020,
then
3% until 31 October 2021,
then
2% until 31 October 2022
Max LTV 70%
Mortgage fees Application: No fee
Completion: No fee

Includes a free standard valuation, £500 cashback.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 28 years 10 months initially on a rate fixed until 31/10/2022 at 2.70% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £603.04 and 285 monthly payments of £742.22 followed by a final payment of £380.37. The total amount payable would be £248,095.47 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Initial rate payable 2.39% Fixed until 31/10/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 4.0% APRC
Early Repayment Charges 5% until 31 October 2018,
then
5% until 31 October 2019,
then
4% until 31 October 2020,
then
3% until 31 October 2021,
then
2% until 31 October 2022
Max LTV 70%
Mortgage fees Application: No fee
Completion: £995

Includes a free standard valuation.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £210,000 payable over 28 years 5 months initially on a rate fixed until 31/10/2022 at 2.39% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £852.46 and 280 monthly payments of £1,080.51 followed by a final payment of £568.04. The total amount payable would be £354,258.44 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
Product name Initial rate payable Changing to The overall cost for comparison is Early Repayment Charges Max LTV Mortgage fees  
2 Year Discount Mortgage Standard fee 1.49% Variable (Discount of 3.25% off our RMVR). The pay rate will not go below a floor of 0.75%. 4.74%
our current RMVR a variable rate for the remainder of the term
4.2% APRC 0.5% for 2 years 70% Application: No fee Completion: £495 Find out more
The APRC is calculated based on the following: A repayment mortgage of £185,000 payable over 20 years 2 months initially on a discounted rate for 2 years at 1.49% variable (Discount of 3.25% off our RMVR) and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £885.12 and 217 monthly payments of £1,155.98 followed by a final payment of £762.21. The total amount payable would be £273,423.75 made up of the loan amount plus interest, Completion fee of £495, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Discount Mortgage Standard fee 1.45% Variable (Discount of 3.29% off our RMVR). The pay rate will not go below a floor of 0.75%. 4.74%
our current RMVR a variable rate for the remainder of the term
4.2% APRC 0.5% for 2 years 75% Application: No fee Completion: £495 Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 23 years initially on a discounted rate for 2 years at 1.45% variable (Discount of 3.29% off our RMVR) and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £619.93 and 251 monthly payments of £843.65 followed by a final payment of £582.35. The total amount payable would be £227,216.82 made up of the loan amount plus interest, Completion fee of £495, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Discount Mortgage Standard fee 1.55% Variable (Discount of 3.19% off our RMVR). The pay rate will not go below a floor of 0.75%. 4.74%
our current RMVR a variable rate for the remainder of the term
4.3% APRC 0.5% for 2 years 80% Application: No fee Completion: £495 Find out more
The APRC is calculated based on the following: A repayment mortgage of £115,000 payable over 25 years 4 months initially on a discounted rate for 2 years at 1.55% variable (Discount of 3.19% off our RMVR) and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £459.47 and 279 monthly payments of £637.07 followed by a final payment of £401.94. The total amount payable would be £189,171.75 made up of the loan amount plus interest, Completion fee of £495, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Discount Mortgage Standard fee 1.70% Variable (Discount of 3.04% off our RMVR). The pay rate will not go below a floor of 0.75%. 4.74%
our current RMVR a variable rate for the remainder of the term
4.3% APRC 0.5% for 2 years 85% Application: No fee Completion: £495 Find out more
The APRC is calculated based on the following: A repayment mortgage of £130,000 payable over 26 years 2 months initially on a discounted rate for 2 years at 1.70% variable (Discount of 3.04% off our RMVR) and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £514.93 and 289 monthly payments of £709.12 followed by a final payment of £429.05. The total amount payable would be £217,723.05 made up of the loan amount plus interest, Completion fee of £495, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Discount Mortgage Standard fee 2.29% Variable (Discount of 2.45% off our RMVR). The pay rate will not go below a floor of 0.75%. 4.74%
our current RMVR a variable rate for the remainder of the term
4.5% APRC 0.5% for 2 years 90% Application: No fee Completion: £495 Find out more
The APRC is calculated based on the following: A repayment mortgage of £170,000 payable over 30 years 2 months initially on a discounted rate for 2 years at 2.29% variable (Discount of 2.45% off our RMVR) and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £652.19 and 337 monthly payments of £870.88 followed by a final payment of £425.67. The total amount payable would be £309,564.79 made up of the loan amount plus interest, Completion fee of £495, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Fixed Rate Help to Buy Mortgage Standard fee 1.54% Fixed until 31/10/2019 4.74%
our current RMVR a variable rate for the remainder of the term
4.4% APRC 2% until 31 October 2018,
then
1% until 31 October 2019
60% Application: No fee
Completion: £995

Includes a free standard valuation.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £155,000 payable over 27 years 11 months initially on a rate fixed until 31/10/2019 at 1.54% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £572.90 and 310 monthly payments of £820.42 followed by a final payment of £359.08. The total amount payable would be £268,438.88 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Fixed Rate Help to Buy Mortgage Standard fee (Scotland only) 1.90% Fixed until 31/10/2019 4.74%
our current RMVR a variable rate for the remainder of the term
4.4% APRC 2% until 31 October 2018,
then
1% until 31 October 2019
80% Application: No fee
Completion: £995

Includes a free standard valuation.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £180,000 payable over 30 years initially on a rate fixed until 31/10/2019 at 1.90% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £659.54 and 335 monthly payments of £923.88 followed by a final payment of £335.31. The total amount payable would be £325,664.07 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Help to Buy Mortgage No fee 2.55% Fixed until 31/10/2022 4.74%
our current RMVR a variable rate for the remainder of the term
4.0% APRC 5% until 31 October 2018,
then
5% until 31 October 2019,
then
4% until 31 October 2020,
then
3% until 31 October 2021,
then
2% until 31 October 2022
60% Application: No fee
Completion: No fee.

Includes a free standard valuation, £500 cashback.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £135,000 payable over 25 Years 10 months initially on a rate fixed until 31/10/2022 at 2.55% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £594.42 and 249 monthly payments of £725.65 followed by a final payment of £444.34. The total amount payable would be £216,796.39 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Help to Buy Mortgage No fee (Scotland only) 2.95% Fixed until 31/10/2022 4.74%
our current RMVR a variable rate for the remainder of the term
4.2% APRC 5% until 31 October 2018,
then
5% until 31 October 2019,
then
4% until 31 October 2020,
then
3% until 31 October 2021,
then
2% until 31 October 2022
80% Application: No fee
Completion: No fee.

Includes a free standard valuation, £500 cashback
Find out more
The APRC is calculated based on the following: A repayment mortgage of £130,000 payable over 33 Years initially on a rate fixed until 31/10/2022 at 2.95% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £513.60 and 335 monthly payments of £631.35 followed by a final payment of £226.75. The total amount payable would be £242,545.00 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Help to Buy Mortgage Standard fee (Scotland only) 2.72% Fixed until 31/10/2022 4.74%
our current RMVR a variable rate for the remainder of the term
4.2% APRC 5% until 31 October 2018,
then
5% until 31 October 2019,
then
4% until 31 October 2020,
then
3% until 31 October 2021,
then
2% until 31 October 2022
80% Application: No fee
Completion: £995.

Includes a free standard valuation.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £180,000 payable over 30 Years initially on a rate fixed until 31/10/2022 at 2.72% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £735.49 and 299 monthly payments of £910.63 followed by a final payment of £427.55. The total amount payable would be £316,835.32 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Fixed Rate Help to Buy Mortgage No fee (Scotland only) 2.51% Fixed until 31/10/2019 4.74%
our current RMVR a variable rate for the remainder of the term
4.5% APRC
2% until 31 October 2018,
then
1% until 31 October 2019
80% Application: No fee
Completion: No fee

Includes a free standard valuation, £500 cashback.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £130,000 payable over 33 years initially on a rate fixed until 31/10/2019 at 2.51% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £482.84 and 371 monthly payments of £640.33 followed by a final payment of £153.45. The total amount payable would be £249,304.04 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Fixed Rate Mortgage No fee for Purchases 2.75% fixed until 30/06/2019 4.74%
our current RMVR a variable rate for the remainder of the term
4.5% APRC 2% until 30 June 2018,
then
1% until 30 June 2019
90% Application: No fee
Completion: No fee
Find out more
The APRC is calculated based on the following: A repayment mortgage of £155,000 payable over 28 years 6 months initially on a rate fixed until 30/06/2019 at 2.75% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £653.79 and 317 monthly payments of £815.25 followed by a final payment of £434.11. The total amount payable would be £274,559.32 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Fixed Rate Mortgage Standard fee for Purchases 2.29% fixed until 30/06/2019 4.74%
our current RMVR a variable rate for the remainder of the term
4.5% APRC 2% until 30 June 2018,
then
1% until 30 June 2019
90% Application: No fee
Completion: £995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £200,000 payable over 29 years 1 months initially on a rate fixed until 30/06/2019 at 2.29% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £788.75 and 324 monthly payments of £1,043.65 followed by a final payment of £527.76. The total amount payable would be £357,600.36 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Mortgage High fee for Purchases 1.82% fixed until 30/06/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.6% APRC 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
60% Application: No fee
Completion: £1,995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £255,000 payable over 20 years 10 months initially on a rate fixed until 30/06/2022 at 1.82% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,235.16 and 189 monthly payments of £1,524.71 followed by a final payment of £1,232.08. The total amount payable would be £363,511.87 made up of the loan amount plus interest, Completion fee of £1,995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Mortgage Standard fee for Purchases 1.99% fixed until 30/06/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.6% APRC 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
60% Application: No fee
Completion: £995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £185,000 payable over 21 years 1 month initially on a rate fixed until 30/06/2022 at 1.99% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £885.95 and 197 monthly payments of £1,088.22 followed by a final payment of £963.12. The total amount payable would be £268,399.46 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Mortgage No fee for Purchases 2.24% fixed until 30/06/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.6% APRC 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
60% Application: No fee
Completion: No fee
Find out more
The APRC is calculated based on the following: A repayment mortgage of £80,000 payable over 18 years 7 months initially on a rate fixed until 30/06/2022 at 2.24% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £438.58 and 162 monthly payments of £512.50 followed by a final payment of £439.64. The total amount payable would be £109,779.44 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Mortgage High fee for Purchases 2.10% fixed until 30/06/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.9% APRC 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
70% Application: No fee
Completion: £1,995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £300,000 payable over 26 years 3 months initially on a rate fixed until 30/06/2022 at 2.10% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,246.74 and 254 monthly payments of £1,595.84 followed by a final payment of £1,078.73. The total amount payable would be £481,226.49 made up of the loan amount plus interest, Completion fee of £1,995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Mortgage Standard fee for Purchases 2.16% fixed until 30/06/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.8% APRC 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
70% Application: No fee
Completion: £995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £245,000 payable over 24 years 10 months initially on a rate fixed until 30/06/2022 at 2.16% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,066.25 and 237 monthly payments of £1,337.82 followed by a final payment of £953.94. The total amount payable would be £381,992.28 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Mortgage No fee for Purchases 2.36% fixed until 30/06/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.8% APRC 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
70% Application: No fee
Completion: No fee
Find out more
The APRC is calculated based on the following: A repayment mortgage of £120,000 payable over 23 years 3 months initially on a rate fixed until 30/06/2022 at 2.36% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £558.84 and 218 monthly payments of £678.13 followed by a final payment of £508.68. The total amount payable would be £181,871.42 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Mortgage High fee for Purchases 2.12% fixed until 30/06/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.9% APRC 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
75% Application: No fee
Completion: £1,995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £330,000 payable over 27 years 7 months initially on a rate fixed until 30/06/2022 at 2.12% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,324.68 and 270 monthly payments of £1,714.15 followed by a final payment of £1,096.52. The total amount payable would be £543.397.82 made up of the loan amount plus interest, Completion fee of £1,995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Mortgage Standard fee for Purchases 2.23% fixed until 30/06/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.9% APRC 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
75% Application: No fee
Completion: £995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £255,000 payable over 26 years 3 months initially on a rate fixed until 30/06/2022 at 2.23% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,073.45 and 254 monthly payments of £1,356.37 followed by a final payment of £914.58. The total amount payable would be £409,839.56 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Mortgage No fee for Purchases 2.36% fixed until 30/06/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.8% APRC 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
75% Application: No fee
Completion: No fee
Find out more
The APRC is calculated based on the following: A repayment mortgage of £130,000 payable over 23 years 11 months initially on a rate fixed until 30/06/2022 at 2.36% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £592.75 and 226 monthly payments of £723.78 followed by a final payment of £532.79. The total amount payable would be £199,672.07 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Mortgage High fee for Purchases 2.19% fixed until 30/06/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.9% APRC 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
80% Application: No fee
Completion: £1,995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £320,000 payable over 28 years 9 months initially on a rate fixed until 30/06/2022 at 2.19% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,257.43 and 284 monthly payments of £1,633.83 followed by a final payment of £989.20. The total amount payable would be £540,442.72 made up of the loan amount plus interest, Completion fee of £1,995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Mortgage Standard fee for Purchases 2.31% fixed until 30/06/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.9% APRC 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
80% Application: No fee
Completion: £995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £260,000 payable over 27 years 2 months initially on a rate fixed until 30/06/2022 at 2.31% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,077.61 and 265 monthly payments of £1,362.62 followed by a final payment of £881.99. The total amount payable would be £426,632.89 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Mortgage No fee for Purchases 2.47% fixed until 30/06/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.9% APRC 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
80% Application: No fee
Completion: No fee
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 26 years 7 months initially on a rate fixed until 30/06/2022 at 2.47% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £619.91 and 258 monthly payments of £767.38 followed by a final payment of £509.66. The total amount payable would be £235,688.30 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Mortgage High fee for Purchases 2.25% fixed until 30/06/2022 4.74%
our current RMVR a variable rate for the remainder of the term
4.0% APRC 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
85% Application: No fee
Completion: £1,995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £295,000 payable over 30 years 8 months initially on a rate fixed until 30/06/2022 at 2.25% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,116.98 and 307 monthly payments of £1,466.97 followed by a final payment of £805.72. The total amount payable would be £518,184.31 made up of the loan amount plus interest, Completion fee of £1,995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Mortgage Standard fee for Purchases 2.42% fixed until 30/06/2022 4.74%
our current RMVR a variable rate for the remainder of the term
4.0% APRC 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
85% Application: No fee
Completion: £995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £250,000 payable over 28 years 9 months initially on a rate fixed until 30/06/2022 at 2.42% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,009.71 and 284 monthly payments of £1,279.37 followed by a final payment of £773.76. The total amount payable would be £424,697.44 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Mortgage No fee for Purchases 2.57% fixed until 30/06/2022 4.74%
our current RMVR a variable rate for the remainder of the term
4.0% APRC 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
85% Application: No fee
Completion: No fee
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 27 years 2 months initially on a rate fixed until 30/06/2022 at 2.57% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £617.98 and 265 monthly payments of £760.96 followed by a final payment of £493.23. The total amount payable would be £239,226.43 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Mortgage High fee for Purchases 2.79% fixed until 30/06/2022 4.74%
our current RMVR a variable rate for the remainder of the term
4.2% APRC 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
90% Application: No fee
Completion: £1,995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £220,000 payable over 28 years 10 months initially on a rate fixed until 30/06/2022 at 2.79% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £933.70 and 285 monthly payments of £1,138.29 followed by a final payment of £684.25. The total amount payable would be £381,118.90 made up of the loan amount plus interest, Completion fee of £1,995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Mortgage Standard fee for Purchases 2.88% fixed until 30/06/2022 4.74%
our current RMVR a variable rate for the remainder of the term
4.2% APRC 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
90% Application: No fee
Completion: £995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £200,000 payable over 29 years 1 month initially on a rate fixed until 30/06/2022 at 2.88% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £850.23 and 288 monthly payments of £1,028.36 followed by a final payment of £611.75. The total amount payable would be £347,793.23 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Mortgage No fee for Purchases 3.13% fixed until 30/06/2022 4.74%
our current RMVR a variable rate for the remainder of the term
4.2% APRC 5% until 30 June 2019,
then
4% until 30 June 2020,
then
3% until 30 June 2021,
then
2% until 30 June 2022
90% Application: No fee
Completion: No fee
Find out more
The APRC is calculated based on the following: A repayment mortgage of £155,000 payable over 28 years 6 months initially on a rate fixed until 30/06/2022 at 3.13% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £684.97 and 281 monthly payments of £804.06 followed by a final payment of £488.84. The total amount payable would be £267,527.90 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Fixed Rate Help to Buy Mortgage No fee 2.38% Fixed until 31/10/2019 4.74%
our current RMVR a variable rate for the remainder of the term
4.5% APRC 2% until 31 October 2018,
then
1% until 31 October 2019
75% Application: No fee
Completion: No fee

Includes a free standard valuation, £500 cashback.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 29 years 6 months initially on a rate fixed until 31/10/2019 at 2.38% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £570.04 and 329 monthly payments of £748.60 followed by a final payment of £285.02. The total amount payable would be £193,333.00 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Fixed Rate Help to Buy Mortgage Standard fee 1.80% Fixed until 31/10/2019 4.74%
our current RMVR a variable rate for the remainder of the term
4.4% APRC 2% until 31 October 2018,
then
1% until 31 October 2019
75% Application: No fee
Completion: £995

Includes a free standard valuation.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £205,000 payable over 29 years 7 months initially on a rate fixed until 31/10/2019 at 1.80% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £748.24 and 330 monthly payments of £1,057.21 followed by a final payment of £390.87. The total amount payable would be £367,227.93 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Help to Buy Mortgage No fee 2.80% Fixed until 31/10/2022 4.74%
our current RMVR a variable rate for the remainder of the term
4.1% APRC
5% until 31 October 2018,
then
5% until 31 October 2019,
then
4% until 31 October 2020,
then
3% until 31 October 2021,
then
2% until 31 October 2022
75% Application: No fee
Completion: No fee

Includes a free standard valuation, £500 cashback.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 29 years 6 months initially on a rate fixed until 31/10/2022 at 2.80% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £601.76 and 293 monthly payments of £736.06 followed by a final payment of £362.24. The total amount payable would be £252,133.42 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Help to Buy Mortgage Standard fee 2.56% Fixed until 31/10/2022 4.74%
our current RMVR a variable rate for the remainder of the term
4.1% APRC
5% until 31 October 2018,
then
5% until 31 October 2019,
then
4% until 31 October 2020,
then
3% until 31 October 2021,
then
2% until 31 October 2022
75% Application: No fee
Completion: £995

Includes a free standard valuation.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £205,000 payable over 29 years 7 months initially on a rate fixed until 31/10/2022 at 2.56% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £827.38 and 294 monthly payments of £1,039.61 followed by a final payment of £499.91. The total amount payable would be £355,788.05 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Fixed Rate Help to Buy Mortgage No fee 2.31% Fixed until 31/10/2019 4.74%
our current RMVR a variable rate for the remainder of the term
4.4% APRC 2% until 31 October 2018,
then
1% until 31 October 2019
70% Application: No fee
Completion: No fee

Includes a free standard valuation, £500 cash back.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 28 years 10 months initially on a rate fixed until 31/10/2019 at 2.31% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £573.90 and 321 monthly payments of £756.02 followed by a final payment of £307.31. The total amount payable would be £256,763.33 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
2 Year Fixed Rate Help to Buy Mortgage Standard fee 1.73% Fixed until 31/10/2019 4.74%
our current RMVR a variable rate for the remainder of the term
4.4% APRC 2% until 31 October 2018,
then
1% until 31 October 2019
70% Application: No fee
Completion: £995

Includes a free standard valuation.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £210,000 payable over 28 years 5 months initially on a rate fixed until 31/10/2019 at 1.73% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £783.34 and 316 monthly payments of £1,102.24 followed by a final payment of £465.09. The total amount payable would be £367,573.09 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Help to Buy Mortgage No fee 2.70% Fixed until 31/10/2022 4.74%
our current RMVR a variable rate for the remainder of the term
4.1% APRC
5% until 31 October 2018,
then
5% until 31 October 2019,
then
4% until 31 October 2020,
then
3% until 31 October 2021,
then
2% until 31 October 2022
70% Application: No fee
Completion: No fee

Includes a free standard valuation, £500 cashback.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 28 years 10 months initially on a rate fixed until 31/10/2022 at 2.70% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £603.04 and 285 monthly payments of £742.22 followed by a final payment of £380.37. The total amount payable would be £248,095.47 made up of the loan amount plus interest, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.
5 Year Fixed Rate Help to Buy Mortgage Standard fee 2.39% Fixed until 31/10/2022 4.74%
our current RMVR a variable rate for the remainder of the term
4.0% APRC
5% until 31 October 2018,
then
5% until 31 October 2019,
then
4% until 31 October 2020,
then
3% until 31 October 2021,
then
2% until 31 October 2022
70% Application: No fee
Completion: £995

Includes a free standard valuation.
Find out more
The APRC is calculated based on the following: A repayment mortgage of £210,000 payable over 28 years 5 months initially on a rate fixed until 31/10/2022 at 2.39% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £852.46 and 280 monthly payments of £1,080.51 followed by a final payment of £568.04. The total amount payable would be £354,258.44 made up of the loan amount plus interest, Completion fee of £995, CHAPS fee of £6 and Insurance charge of £10. The interest rates quoted include a 0.25% Direct Debit discount.

Once the fixed, discount or tracker period of the mortgage ends it will change to the Residential Mortgage Variable Rate (RMVR) or if you have a Buy to Let Mortgage, the Buy to Let Variable Rate (BMVR), which is a different interest rate to the Society's Residential Standard Variable Rate (RSVR), although both are set by the Society. For further details see our Skipton Variable Rates page.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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