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 2.89% Fixed until 31/01/2023
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 January 2019,
then
5% until 31 January 2020,
then
4% until 31 January 2021,
then
3% until 31 January 2022,
then
2% until 31 January 2023
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 £140,000 payable over 29 years 6 months initially on a rate fixed until 31/01/2023 at 2.89% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £587.69 and 293 monthly payments of £711.87 followed by a final payment of £307.48. The total amount payable would be £244,146.79 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 2.42% Fixed until 31/01/2020
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 January 2019,
then
1% until 31 January 2020
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 £140,000 payable over 29 years 6 months initially on a rate fixed until 31/01/2020 at 2.42% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £553.33 and 329 monthly payments of £723.01 followed by a final payment of £217.82. The total amount payable would be £251,368.03 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 1.17% Variable (BoEBR + 0.92%). The pay rate will not go below a floor of 1.17%.
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 0.5% for 2 years
Max LTV 60%
Mortgage fees Application: No fee
Completion: £495
Find out more
The APRC is calculated based on the following: A repayment mortgage of £105,000 payable over 15 years 10 months on our variable tracker rate for 2 years at 0.92% above BoEBR and then on our current RMVR variable rate of 4.74% (variable) would require 24 monthly payments of £608.12 and 165 monthly payments of £765.28 followed by a final payment of £652.23. The total amount payable would be £141,518.31 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 1.40% Variable (BoEBR + 1.15%). The pay rate will not go below a floor of 1.40%.
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 on our variable tracker rate for 2 years at 1.15% above BoEBR and then on our current RMVR variable rate of 4.74% (variable) would require 24 monthly payments of £616.72 and 251 monthly payments of £843.25 followed by a final payment of £575.95. The total amount payable would be £227,032.98 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 1.51% Variable (BoEBR + 1.26%). The pay rate will not go below a floor of 1.51%.
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 on our variable tracker rate for 2 years at 1.26% above BoEBR and then on our current RMVR variable rate of 4.74% (variable) would require 24 monthly payments of £457.21 and 279 monthly payments of £636.86 followed by a final payment of £393.95. The total amount payable would be £189,050.93 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 1.71% Variable (BoEBR + 1.46%). The pay rate will not go below a floor of 1.71%.
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 on our variable tracker rate for 2 years at 1.46%% above BoEBR and then on our current RMVR variable rate of 4.74% (variable) would require 24 monthly payments of £515.37 and 289 monthly payments of £709.20 followed by a final payment of £421.08. The total amount payable would be £217,748.76 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 2.77% fixed until 30/09/2019
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 September 2018,
then
1% until 30 September 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 £145,000 payable over 28 years 6 months initially on a rate fixed until 30/09/2019 at 2.77% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £613.07 and 317 monthly payments of £762.78 followed by a final payment of £358.20. The total amount payable would be £256,873.14 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 2.41% fixed until 30/09/2019
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 September 2018,
then
1% until 30 September 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 6 months initially on a rate fixed until 30/09/2019 at 2.41% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £793.25 and 329 monthly payments of £1,037.91 followed by a final payment of £442.05. The total amount payable would be £360,952.44 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 1.64% fixed until 30/09/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 3.5% APRC
Early Repayment Charges 5% until 30 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 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 £300,000 payable over 20 years 10 months initially on a rate fixed until 30/09/2022 at 1.64% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,426.16 and 189 monthly payments of £1,784.44 followed by a final payment of £1,391.65. The total amount payable would be £424,220.41 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 1.75% fixed until 30/09/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 3.5% APRC
Early Repayment Charges 5% until 30 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 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 £165,000 payable over 21 years 8 months initially on a rate fixed until 30/09/2022 at 1.75% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £767.02 and 199 monthly payments of £961.94 followed by a final payment of £730.53. The total amount payable would be £238,177.79 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 1.99% fixed until 30/09/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 3.5% APRC
Early Repayment Charges 5% until 30 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 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 £85,000 payable over 20 years 2 months initially on a rate fixed until 30/09/2022 at 1.99% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £426.38 and 181 monthly payments of £515.84 followed by a final payment of £411.09. The total amount payable would be £119,360.93 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 1.84% fixed until 30/09/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 3.7% APRC
Early Repayment Charges 5% until 30 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 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 £195,000 payable over 22 years 11 months initially on a rate fixed until 30/09/2022 at 1.84% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £877.84 and 214 monthly payments of £1,109.39 followed by a final payment of £807.62. The total amount payable would be £290,887.48 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 1.94% fixed until 30/09/2022
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 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 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 £200,000 payable over 25 years 7 months initially on a rate fixed until 30/09/2022 at 1.94% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £830.60 and 246 monthly payments of £1,071.86 followed by a final payment of £697.04. The total amount payable would be £314,210.60 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 2.29% fixed until 31/08/2022
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 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 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 31/08/2022 at 2.29% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £545.64 and 218 monthly payments of £677.14 followed by a final payment of £474.91. The total amount payable would be £181,369.83 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 1.90% fixed until 30/09/2022
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 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 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 £275,000 payable over 26 years 9 months initially on a rate fixed until 30/09/2022 at 1.90% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,100.56 and 260 monthly payments of £1,444.37 followed by a final payment of £892.03. The total amount payable would be £442,461.83 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 1.98% fixed until 30/09/2022
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 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 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 £210,000 payable over 25 years 10 months initially on a rate fixed until 30/09/2022 at 1.98% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £869.22 and 249 monthly payments of £1,120.89 followed by a final payment of £718.79. The total amount payable would be £331,973.60 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 2.08% fixed until 30/09/2022
Changing to 4.74%
our current RMVR a variable rate for the remainder of the term
The overall cost for comparison is 3.7% APRC
Early Repayment Charges 5% until 30 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 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 £150,000 payable over 25 years 1 month initially on a rate fixed until 30/09/2022 at 2.08% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £639.52 and 240 monthly payments of £810.28 followed by a final payment of £537.53. The total amount payable would be £233,375.93 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 2.00% fixed until 30/09/2022
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 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 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 £340,000 payable over 29 years 7 months initially on a rate fixed until 30/09/2022 at 2.00% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,276.34 and 294 monthly payments of £1,706.74 followed by a final payment of £901.67. The total amount payable would be £579,263.63 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 2.07% fixed until 30/09/2022
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 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 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 £225,000 payable over 27 years 6 months initially on a rate fixed until 30/09/2022 at 2.07% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £897.91 and 269 monthly payments of £1,167.40 followed by a final payment of £694.27. The total amount payable would be £368,599.47 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 2.20% fixed until 30/09/2022
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 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 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 £160,000 payable over 26 years 11 months initially on a rate fixed until 30/09/2022 at 2.20% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £656.34 and 262 monthly payments of £837.11 followed by a final payment of £510.04. The total amount payable would be £259,213.26 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 2.07% fixed until 30/09/2022
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 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 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 £300,000 payable over 29 years initially on a rate fixed until 30/09/2022 at 2.07% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,153.87 and 287 monthly payments of £1,522.71 followed by a final payment of £828.85. The total amount payable would be £507,078.82 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 2.17% fixed until 30/09/2022
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 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 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 £225,000 payable over 28 years 11 months initially on a rate fixed until 30/09/2022 at 2.17% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £876.75 and 286 monthly payments of £1,143.27 followed by a final payment of £623.42. The total amount payable would be £380,203.64 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 2.30% fixed until 30/09/2022
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 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 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 £175,000 payable over 27 years 6 months initially on a rate fixed until 30/09/2022 at 2.30% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £715.58 and 269 monthly payments of £908.20 followed by a final payment of £535.41. The total amount payable would be £287,776.01 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 30/09/2022
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 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 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 £185,000 payable over 28 years 6 months initially on a rate fixed until 30/09/2022 at 2.75% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £788.73 and 281 monthly payments of £963.09 followed by a final payment of £539.26. The total amount payable would be £318.491.35 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 2.94% fixed until 30/09/2022
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 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 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 6 month initially on a rate fixed until 30/09/2022 at 2.94% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £849.00 and 293 monthly payments of £1,022.98 followed by a final payment of £545.29. The total amount payable would be £351,218.43 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 3.09% fixed until 30/09/2022
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 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 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 £145,000 payable over 28 years 6 months initially on a rate fixed until 30/09/2022 at 3.09% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £637.61 and 281 monthly payments of £751.64 followed by a final payment of £420.83. The total amount payable would be £249,888.27 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 2.05% Fixed until 31/01/2020
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 January 2019,
then
1% until 31 January 2020
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 £140,000 payable over 30 years 2 months initially on a rate fixed until 31/01/2020 at 2.05% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £518.55 and 337 monthly payments of £713.76 followed by a final payment of £203.33. The total amount payable would be £253,185.65 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 2.51% Fixed until 31/01/2023
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 January 2019,
then
5% until 31 January 2020,
then
4% until 31 January 2021,
then
3% until 31 January 2022,
then
2% until 31 January 2023
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 £140,000 payable over 30 years 2 months initially on a rate fixed until 31/01/2023 at 2.51% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £551.48 and 301 monthly payments of £699.89 followed by a final payment of £283.75. The total amount payable would be £244,039.44 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.
Product name Initial rate payable Changing to The overall cost for comparison is Early Repayment Charges Max LTV Mortgage fees  
5 Year Fixed Rate Help to Buy Mortgage No fee (Scotland only) 2.89% Fixed until 31/01/2023 4.74%
our current RMVR a variable rate for the remainder of the term
4.2% APRC 5% until 31 January 2019,
then
5% until 31 January 2020,
then
4% until 31 January 2021,
then
3% until 31 January 2022,
then
2% until 31 January 2023
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 £140,000 payable over 29 years 6 months initially on a rate fixed until 31/01/2023 at 2.89% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £587.69 and 293 monthly payments of £711.87 followed by a final payment of £307.48. The total amount payable would be £244,146.79 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 (Scotland only) 2.42% Fixed until 31/01/2020 4.74%
our current RMVR a variable rate for the remainder of the term
4.5% APRC
2% until 31 January 2019,
then
1% until 31 January 2020
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 £140,000 payable over 29 years 6 months initially on a rate fixed until 31/01/2020 at 2.42% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £553.33 and 329 monthly payments of £723.01 followed by a final payment of £217.82. The total amount payable would be £251,368.03 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 Base Rate Tracker Mortgage Standard Fee 1.17% Variable (BoEBR + 0.92%). The pay rate will not go below a floor of 1.17%. 4.74%
our current RMVR a variable rate for the remainder of the term
4.0% APRC 0.5% for 2 years 60% Application: No fee
Completion: £495
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The APRC is calculated based on the following: A repayment mortgage of £105,000 payable over 15 years 10 months on our variable tracker rate for 2 years at 0.92% above BoEBR and then on our current RMVR variable rate of 4.74% (variable) would require 24 monthly payments of £608.12 and 165 monthly payments of £765.28 followed by a final payment of £652.23. The total amount payable would be £141,518.31 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 Base Rate Tracker Mortgage Standard Fee 1.40% Variable (BoEBR + 1.15%). The pay rate will not go below a floor of 1.40%. 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
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The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 23 years on our variable tracker rate for 2 years at 1.15% above BoEBR and then on our current RMVR variable rate of 4.74% (variable) would require 24 monthly payments of £616.72 and 251 monthly payments of £843.25 followed by a final payment of £575.95. The total amount payable would be £227,032.98 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 Base Rate Tracker Mortgage Standard Fee 1.51% Variable (BoEBR + 1.26%). The pay rate will not go below a floor of 1.51%. 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
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The APRC is calculated based on the following: A repayment mortgage of £115,000 payable over 25 years 4 months on our variable tracker rate for 2 years at 1.26% above BoEBR and then on our current RMVR variable rate of 4.74% (variable) would require 24 monthly payments of £457.21 and 279 monthly payments of £636.86 followed by a final payment of £393.95. The total amount payable would be £189,050.93 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 Base Rate Tracker Mortgage Standard Fee 1.71% Variable (BoEBR + 1.46%). The pay rate will not go below a floor of 1.71%. 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
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The APRC is calculated based on the following: A repayment mortgage of £130,000 payable over 26 years 2 months on our variable tracker rate for 2 years at 1.46%% above BoEBR and then on our current RMVR variable rate of 4.74% (variable) would require 24 monthly payments of £515.37 and 289 monthly payments of £709.20 followed by a final payment of £421.08. The total amount payable would be £217,748.76 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 Mortgage No fee for Purchases 2.77% fixed until 30/09/2019 4.74%
our current RMVR a variable rate for the remainder of the term
4.5% APRC 2% until 30 September 2018,
then
1% until 30 September 2019
90% 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 28 years 6 months initially on a rate fixed until 30/09/2019 at 2.77% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £613.07 and 317 monthly payments of £762.78 followed by a final payment of £358.20. The total amount payable would be £256,873.14 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 2.41% fixed until 30/09/2019 4.74%
our current RMVR a variable rate for the remainder of the term
4.5% APRC 2% until 30 September 2018,
then
1% until 30 September 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 6 months initially on a rate fixed until 30/09/2019 at 2.41% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £793.25 and 329 monthly payments of £1,037.91 followed by a final payment of £442.05. The total amount payable would be £360,952.44 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 High fee for Purchases 1.64% fixed until 30/09/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.5% APRC 5% until 30 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 2022
60% 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 20 years 10 months initially on a rate fixed until 30/09/2022 at 1.64% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,426.16 and 189 monthly payments of £1,784.44 followed by a final payment of £1,391.65. The total amount payable would be £424,220.41 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 1.75% fixed until 30/09/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.5% APRC 5% until 30 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 2022
60% Application: No fee
Completion: £995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £165,000 payable over 21 years 8 months initially on a rate fixed until 30/09/2022 at 1.75% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £767.02 and 199 monthly payments of £961.94 followed by a final payment of £730.53. The total amount payable would be £238,177.79 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 1.99% fixed until 30/09/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.5% APRC 5% until 30 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 2022
60% Application: No fee
Completion: No fee
Find out more
The APRC is calculated based on the following: A repayment mortgage of £85,000 payable over 20 years 2 months initially on a rate fixed until 30/09/2022 at 1.99% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £426.38 and 181 monthly payments of £515.84 followed by a final payment of £411.09. The total amount payable would be £119,360.93 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 1.84% fixed until 30/09/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.7% APRC 5% until 30 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 2022
70% Application: No fee
Completion: £1,995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £195,000 payable over 22 years 11 months initially on a rate fixed until 30/09/2022 at 1.84% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £877.84 and 214 monthly payments of £1,109.39 followed by a final payment of £807.62. The total amount payable would be £290,887.48 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 1.94% fixed until 30/09/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.8% APRC 5% until 30 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 2022
70% Application: No fee
Completion: £995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £200,000 payable over 25 years 7 months initially on a rate fixed until 30/09/2022 at 1.94% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £830.60 and 246 monthly payments of £1,071.86 followed by a final payment of £697.04. The total amount payable would be £314,210.60 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 2.29% fixed until 31/08/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.8% APRC 5% until 30 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 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 31/08/2022 at 2.29% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £545.64 and 218 monthly payments of £677.14 followed by a final payment of £474.91. The total amount payable would be £181,369.83 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 1.90% fixed until 30/09/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.8% APRC 5% until 30 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 2022
75% Application: No fee
Completion: £1,995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £275,000 payable over 26 years 9 months initially on a rate fixed until 30/09/2022 at 1.90% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,100.56 and 260 monthly payments of £1,444.37 followed by a final payment of £892.03. The total amount payable would be £442,461.83 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 1.98% fixed until 30/09/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.8% APRC 5% until 30 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 2022
75% Application: No fee
Completion: £995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £210,000 payable over 25 years 10 months initially on a rate fixed until 30/09/2022 at 1.98% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £869.22 and 249 monthly payments of £1,120.89 followed by a final payment of £718.79. The total amount payable would be £331,973.60 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 2.08% fixed until 30/09/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.7% APRC 5% until 30 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 2022
75% Application: No fee
Completion: No fee
Find out more
The APRC is calculated based on the following: A repayment mortgage of £150,000 payable over 25 years 1 month initially on a rate fixed until 30/09/2022 at 2.08% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £639.52 and 240 monthly payments of £810.28 followed by a final payment of £537.53. The total amount payable would be £233,375.93 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 2.00% fixed until 30/09/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.9% APRC 5% until 30 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 2022
80% Application: No fee
Completion: £1,995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £340,000 payable over 29 years 7 months initially on a rate fixed until 30/09/2022 at 2.00% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,276.34 and 294 monthly payments of £1,706.74 followed by a final payment of £901.67. The total amount payable would be £579,263.63 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 2.07% fixed until 30/09/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.9% APRC 5% until 30 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 2022
80% Application: No fee
Completion: £995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £225,000 payable over 27 years 6 months initially on a rate fixed until 30/09/2022 at 2.07% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £897.91 and 269 monthly payments of £1,167.40 followed by a final payment of £694.27. The total amount payable would be £368,599.47 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 2.20% fixed until 30/09/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.8% APRC 5% until 30 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 2022
80% Application: No fee
Completion: No fee
Find out more
The APRC is calculated based on the following: A repayment mortgage of £160,000 payable over 26 years 11 months initially on a rate fixed until 30/09/2022 at 2.20% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £656.34 and 262 monthly payments of £837.11 followed by a final payment of £510.04. The total amount payable would be £259,213.26 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 2.07% fixed until 30/09/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.9% APRC 5% until 30 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 2022
85% 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 29 years initially on a rate fixed until 30/09/2022 at 2.07% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £1,153.87 and 287 monthly payments of £1,522.71 followed by a final payment of £828.85. The total amount payable would be £507,078.82 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 2.17% fixed until 30/09/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.9% APRC 5% until 30 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 2022
85% Application: No fee
Completion: £995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £225,000 payable over 28 years 11 months initially on a rate fixed until 30/09/2022 at 2.17% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £876.75 and 286 monthly payments of £1,143.27 followed by a final payment of £623.42. The total amount payable would be £380,203.64 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 2.30% fixed until 30/09/2022 4.74%
our current RMVR a variable rate for the remainder of the term
3.9% APRC 5% until 30 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 2022
85% Application: No fee
Completion: No fee
Find out more
The APRC is calculated based on the following: A repayment mortgage of £175,000 payable over 27 years 6 months initially on a rate fixed until 30/09/2022 at 2.30% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £715.58 and 269 monthly payments of £908.20 followed by a final payment of £535.41. The total amount payable would be £287,776.01 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 2.75% fixed until 30/09/2022 4.74%
our current RMVR a variable rate for the remainder of the term
4.2% APRC 5% until 30 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 2022
90% Application: No fee
Completion: £1,995
Find out more
The APRC is calculated based on the following: A repayment mortgage of £185,000 payable over 28 years 6 months initially on a rate fixed until 30/09/2022 at 2.75% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £788.73 and 281 monthly payments of £963.09 followed by a final payment of £539.26. The total amount payable would be £318.491.35 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 2.94% fixed until 30/09/2022 4.74%
our current RMVR a variable rate for the remainder of the term
4.2% APRC 5% until 30 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 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 6 month initially on a rate fixed until 30/09/2022 at 2.94% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £849.00 and 293 monthly payments of £1,022.98 followed by a final payment of £545.29. The total amount payable would be £351,218.43 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 3.09% fixed until 30/09/2022 4.74%
our current RMVR a variable rate for the remainder of the term
4.2% APRC 5% until 30 September 2019,
then
4% until 30 September 2020,
then
3% until 30 September 2021,
then
2% until 30 September 2022
90% 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 28 years 6 months initially on a rate fixed until 30/09/2022 at 3.09% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £637.61 and 281 monthly payments of £751.64 followed by a final payment of £420.83. The total amount payable would be £249,888.27 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 2.05% Fixed until 31/01/2020 4.74%
our current RMVR a variable rate for the remainder of the term
4.4% APRC 2% until 31 January 2019,
then
1% until 31 January 2020
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 £140,000 payable over 30 years 2 months initially on a rate fixed until 31/01/2020 at 2.05% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £518.55 and 337 monthly payments of £713.76 followed by a final payment of £203.33. The total amount payable would be £253,185.65 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 2.51% Fixed until 31/01/2023 4.74%
our current RMVR a variable rate for the remainder of the term
4.0% APRC
5% until 31 January 2019,
then
5% until 31 January 2020,
then
4% until 31 January 2021,
then
3% until 31 January 2022,
then
2% until 31 January 2023
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 £140,000 payable over 30 years 2 months initially on a rate fixed until 31/01/2023 at 2.51% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £551.48 and 301 monthly payments of £699.89 followed by a final payment of £283.75. The total amount payable would be £244,039.44 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.

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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