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Welcome to our Help to Buy mortgages

Help to Buy

If you are buying a new build home, and could benefit from a helping hand with your deposit, then the Help to Buy scheme could be right for you.

A Help to Buy shared equity loan is available in England, Wales and Scotland to both first-time buyers and home movers, on new build homes, and enables you to obtain a mortgage with a deposit as little as 5%.

We’re pleased to announce the introduction of our select range of Help to Buy mortgages for applicants in England, Wales and Scotland.

Below are our options for Help to Buy mortgages:

Compare all mortgages>
Help to Buy
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Initial rate payable 2.25% 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 4.4% APRC
Early Repayment Charges 2% until 30 June 2018,
then
1% until 30 June 2019
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 30/06/2019 at 2.25% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £574.10 and 285 monthly payments of £741.73 followed by a final payment of £447.14. The total amount payable would be £225,618.59 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 1.40% 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 4.3% APRC
Early Repayment Charges 2% until 30 June 2018,
then
1% until 30 June 2019
Max LTV 60%
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 £155,000 payable over 27 years 11 months initially on a rate fixed until 30/06/2019 at 1.40% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £562.71 and 310 monthly payments of £819.41 followed by a final payment of £445.13. The total amount payable would be £267,967.27 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 1.73% 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 4.4% APRC
Early Repayment Charges 2% until 30 June 2018,
then
1% until 30 June 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 30/06/2019 at 1.73% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £644.55 and 335 monthly payments of £992.58 followed by a final payment of £445.94. The total amount payable would be £324,979.44 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 2.38% 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 2018,
then
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.

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 30/06/2022 at 2.38% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £582.92 and 249 monthly payments of £723.16 followed by a final payment of £495.69. The total amount payable would be £215,537.73 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 2018,
then
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.

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 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 £616.99 and 274 monthly payments of £801.02 followed by a final payment of £504.21. The total amount payable would be £257,003.09 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 2.95% 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 2018,
then
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.

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 30/06/2022 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 £631.37 followed by a final payment of £303.35. The total amount payable would be £242,628.30 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 2.72% 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 2018,
then
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.

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 30/06/2022 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 £910.66 followed by a final payment of £516.93. The total amount payable would be £316,933.67 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 2.38% 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 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 30/06/2019 at 2.38% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £473.90 and 371 monthly payments of £639.72 followed by a final payment of £247.81. The total amount payable would be £248,957.53 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 2.35% 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 4.4% APRC
Early Repayment Charges 2% until 30 June 2018,
then
1% until 30 June 2019
Max LTV 70%
Mortgage fees Application: No fee
Completion: No fee

Includes a free standard valuation, £1,000 cash back
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 25 years 4 months initially on a rate fixed until 30/06/2019 at 2.35% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £632.87 and 279 monthly payments of £805.23 followed by a final payment of £494.73. The total amount payable would be £240,342.78 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 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 4.4% APRC
Early Repayment Charges 2% until 30 June 2018,
then
1% until 30 June 2019
Max LTV 75%
Mortgage fees Application: No fee
Completion: No fee

Includes a free standard valuation, £1,000 cashback
Find out more
The APRC is calculated based on the following: A repayment mortgage of £155,000 payable over 26 years 11 months initially on a rate fixed until 30/06/2019 at 2.39% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £650.67 and 298 monthly payments of £835.41 followed by a final payment of £477.23. The total amount payable would be £265,045.49 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 2.83% Fixed until 30/06/2020
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 3% until 30 June 2018,
then
2% until 30 June 2019, then
1% until 30 June 2020

Max LTV 70%
Mortgage fees Application: No fee
Completion: No fee

Includes a free standard valuation, £1,000 cash back
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 25 Years 4 Months initially on a rate fixed until 30/06/2020 at 2.83% and then our RMVR variable rate currently 4.74% for the remaining term would require 36 monthly payments of £668.11 and 267 monthly payments of £802.72 followed by a final payment of £515.43. The total amount payable would be £238,893.63 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 2.85% Fixed until 30/06/2020
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 3% until 30 June 2018,
then
2% until 30 June 2019, then
1% until 30 June 2020

Max LTV 75%
Mortgage fees Application: No fee
Completion: No fee

Includes a free standard valuation, £1,000 cash back
Find out more
The APRC is calculated based on the following: A repayment mortgage of £155,000 payable over 26 Years 11 Months initially on a rate fixed until 30/06/2020 at 2.85% and then our RMVR variable rate currently 4.74% for the remaining term would require 36 monthly payments of £687.10 and 286 monthly payments of £832.85 followed by a final payment of £500.74. The total amount payable would be £263,431.44 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 2.99% 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 4.1% APRC
Early Repayment Charges 5% until 30 June 2018,
then
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

Includes a free standard valuation, £1,000 cashback
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 25 years 4 months initially on a rate fixed until 30/06/2022 at 2.99% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £680.18 and 243 monthly payments of £793.84 followed by a final payment of £555.11. The total amount payable would be £234,269.03 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 3.05% 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 2018,
then
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

Includes a free standard valuation, £1,000 cashback
Find out more
The APRC is calculated based on the following: A repayment mortgage of £155,000 payable over 26 years 11 months initially on a rate fixed until 30/06/2022 at 3.05% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £703.49 and 262 monthly payments of £824.64 followed by a final payment of £539.65. The total amount payable would be £258,804.73 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 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 4.4% APRC
Early Repayment Charges 2% until 30 June 2018,
then
1% until 30 June 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 30/06/2019 at 2.05% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £545.83 and 329 monthly payments of £746.65 followed by a final payment of £372.25. The total amount payable would be £259,120.02 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 1.54% 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 4.4% APRC
Early Repayment Charges 2% until 30 June 2018,
then
1% until 30 June 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 30/06/2019 at 1.54% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £772.43 and 330 monthly payments of £1,054.88 followed by a final payment of £521.53. The total amount payable would be £365,970.25 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 2.67% 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 4.1% APRC
Early Repayment Charges 5% until 30 June 2018,
then
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

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 30/06/2022 at 2.67% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £591.77 and 293 monthly payments of £734.30 followed by a final payment of £429.67. The total amount payable would be £251,085.77 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 2.45% 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 2018,
then
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

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 30/06/2022 at 2.45% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £815.74 and 294 monthly payments of £1,037.38 followed by a final payment of £605.21. The total amount payable would be £354,539.33 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 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 4.4% APRC
Early Repayment Charges 2% until 30 June 2018,
then
1% until 30 June 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 30/06/2019 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 £756.03 followed by a final payment of £390.81. The total amount payable would be £256,850.04 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 1.53% 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 4.4% APRC
Early Repayment Charges 2% until 30 June 2018,
then
1% until 30 June 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 30/06/2019 at 1.53% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £762.79 and 316 monthly payments of £1,100.42 followed by a final payment of £578.81. The total amount payable would be £366,618.49 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 2018,
then
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

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 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 £593.36 and 285 monthly payments of £740.34 followed by a final payment of £447.28. The total amount payable would be £247,045.78 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 2.35% 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 2018,
then
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

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 30/06/2022 at 2.35% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £848.07 and 280 monthly payments of £1,079.71 followed by a final payment of £664.04. The total amount payable would be £353,867.04 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 Fixed Rate Help to Buy Mortgage No fee 2.25% Fixed until 30/06/2019 4.74%
our current RMVR a variable rate for the remainder of the term
4.4% APRC 2% until 30 June 2018,
then
1% until 30 June 2019
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 30/06/2019 at 2.25% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £574.10 and 285 monthly payments of £741.73 followed by a final payment of £447.14. The total amount payable would be £225,618.59 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 1.40% Fixed until 30/06/2019 4.74%
our current RMVR a variable rate for the remainder of the term
4.3% APRC 2% until 30 June 2018,
then
1% until 30 June 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 30/06/2019 at 1.40% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £562.71 and 310 monthly payments of £819.41 followed by a final payment of £445.13. The total amount payable would be £267,967.27 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) 1.73% Fixed until 30/06/2019 4.74%
our current RMVR a variable rate for the remainder of the term
4.4% APRC 2% until 30 June 2018,
then
1% until 30 June 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 30/06/2019 at 1.73% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £644.55 and 335 monthly payments of £992.58 followed by a final payment of £445.94. The total amount payable would be £324,979.44 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 Help to Buy Mortgage No fee 2.38% 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 2018,
then
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.

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 30/06/2022 at 2.38% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £582.92 and 249 monthly payments of £723.16 followed by a final payment of £495.69. The total amount payable would be £215,537.73 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 Standard Fee 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 2018,
then
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.

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 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 £616.99 and 274 monthly payments of £801.02 followed by a final payment of £504.21. The total amount payable would be £257,003.09 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 (Scotland only) 2.95% 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 2018,
then
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.

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 30/06/2022 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 £631.37 followed by a final payment of £303.35. The total amount payable would be £242,628.30 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 Help to Buy Mortgage Standard fee (Scotland only) 2.72% 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 2018,
then
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.

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 30/06/2022 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 £910.66 followed by a final payment of £516.93. The total amount payable would be £316,933.67 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) 2.38% 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
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 30/06/2019 at 2.38% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £473.90 and 371 monthly payments of £639.72 followed by a final payment of £247.81. The total amount payable would be £248,957.53 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 Remortgage No fee 2.35% Fixed until 30/06/2019 4.74%
our current RMVR a variable rate for the remainder of the term
4.4% APRC 2% until 30 June 2018,
then
1% until 30 June 2019
70% Application: No fee
Completion: No fee

Includes a free standard valuation, £1,000 cash back
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 25 years 4 months initially on a rate fixed until 30/06/2019 at 2.35% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £632.87 and 279 monthly payments of £805.23 followed by a final payment of £494.73. The total amount payable would be £240,342.78 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 Remortgage No fee 2.39% Fixed until 30/06/2019 4.74%
our current RMVR a variable rate for the remainder of the term
4.4% APRC 2% until 30 June 2018,
then
1% until 30 June 2019
75% Application: No fee
Completion: No fee

Includes a free standard valuation, £1,000 cashback
Find out more
The APRC is calculated based on the following: A repayment mortgage of £155,000 payable over 26 years 11 months initially on a rate fixed until 30/06/2019 at 2.39% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £650.67 and 298 monthly payments of £835.41 followed by a final payment of £477.23. The total amount payable would be £265,045.49 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.
3 Year Fixed Rate Help to Buy Remortgage No fee 2.83% Fixed until 30/06/2020 4.74%
our current RMVR a variable rate for the remainder of the term
4.3% APRC 3% until 30 June 2018,
then
2% until 30 June 2019, then
1% until 30 June 2020

70% Application: No fee
Completion: No fee

Includes a free standard valuation, £1,000 cash back
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 25 Years 4 Months initially on a rate fixed until 30/06/2020 at 2.83% and then our RMVR variable rate currently 4.74% for the remaining term would require 36 monthly payments of £668.11 and 267 monthly payments of £802.72 followed by a final payment of £515.43. The total amount payable would be £238,893.63 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.
3 Year Fixed Rate Help to Buy Remortgage No fee 2.85% Fixed until 30/06/2020 4.74%
our current RMVR a variable rate for the remainder of the term
4.4% APRC 3% until 30 June 2018,
then
2% until 30 June 2019, then
1% until 30 June 2020

75% Application: No fee
Completion: No fee

Includes a free standard valuation, £1,000 cash back
Find out more
The APRC is calculated based on the following: A repayment mortgage of £155,000 payable over 26 Years 11 Months initially on a rate fixed until 30/06/2020 at 2.85% and then our RMVR variable rate currently 4.74% for the remaining term would require 36 monthly payments of £687.10 and 286 monthly payments of £832.85 followed by a final payment of £500.74. The total amount payable would be £263,431.44 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 Help to Buy Remortgage No fee 2.99% Fixed until 30/06/2022 4.74%
our current RMVR a variable rate for the remainder of the term
4.1% APRC 5% until 30 June 2018,
then
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

Includes a free standard valuation, £1,000 cashback
Find out more
The APRC is calculated based on the following: A repayment mortgage of £145,000 payable over 25 years 4 months initially on a rate fixed until 30/06/2022 at 2.99% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £680.18 and 243 monthly payments of £793.84 followed by a final payment of £555.11. The total amount payable would be £234,269.03 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.
5 Year Fixed Rate Help to Buy Remortgage No fee 3.05% 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 2018,
then
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

Includes a free standard valuation, £1,000 cashback
Find out more
The APRC is calculated based on the following: A repayment mortgage of £155,000 payable over 26 years 11 months initially on a rate fixed until 30/06/2022 at 3.05% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £703.49 and 262 monthly payments of £824.64 followed by a final payment of £539.65. The total amount payable would be £258,804.73 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 30/06/2019 4.74%
our current RMVR a variable rate for the remainder of the term
4.4% APRC 2% until 30 June 2018,
then
1% until 30 June 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 30/06/2019 at 2.05% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £545.83 and 329 monthly payments of £746.65 followed by a final payment of £372.25. The total amount payable would be £259,120.02 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 1.54% Fixed until 30/06/2019 4.74%
our current RMVR a variable rate for the remainder of the term
4.4% APRC 2% until 30 June 2018,
then
1% until 30 June 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 30/06/2019 at 1.54% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £772.43 and 330 monthly payments of £1,054.88 followed by a final payment of £521.53. The total amount payable would be £365,970.25 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 2.67% Fixed until 30/06/2022 4.74%
our current RMVR a variable rate for the remainder of the term
4.1% APRC
5% until 30 June 2018,
then
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

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 30/06/2022 at 2.67% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £591.77 and 293 monthly payments of £734.30 followed by a final payment of £429.67. The total amount payable would be £251,085.77 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 2.45% 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 2018,
then
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

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 30/06/2022 at 2.45% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £815.74 and 294 monthly payments of £1,037.38 followed by a final payment of £605.21. The total amount payable would be £354,539.33 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 30/06/2019 4.74%
our current RMVR a variable rate for the remainder of the term
4.4% APRC 2% until 30 June 2018,
then
1% until 30 June 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 30/06/2019 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 £756.03 followed by a final payment of £390.81. The total amount payable would be £256,850.04 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 Help to Buy Mortgage Standard fee 1.53% Fixed until 30/06/2019 4.74%
our current RMVR a variable rate for the remainder of the term
4.4% APRC 2% until 30 June 2018,
then
1% until 30 June 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 30/06/2019 at 1.53% and then our RMVR variable rate currently 4.74% for the remaining term would require 24 monthly payments of £762.79 and 316 monthly payments of £1,100.42 followed by a final payment of £578.81. The total amount payable would be £366,618.49 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 2.57% 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 2018,
then
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

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 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 £593.36 and 285 monthly payments of £740.34 followed by a final payment of £447.28. The total amount payable would be £247,045.78 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 2.35% 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 2018,
then
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

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 30/06/2022 at 2.35% and then our RMVR variable rate currently 4.74% for the remaining term would require 60 monthly payments of £848.07 and 280 monthly payments of £1,079.71 followed by a final payment of £664.04. The total amount payable would be £353,867.04 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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