Available for: Purchase and Remortgage 

Min/Max Adv: £100,000/£1,000,000

Max Loan To Value: 85% at End Value, 85% at Land Value (including arrangement fee) 

Arrangement Fee: £1,000 (If the arrangement fee is added to the loan; the Loan to Value must not exceed the maximum permitted)

Valuation Fee: Payable on application. See Valuation Fee leaflet. 

Application Fee: £125

Early Repayment Charge (ERC): 1% in the first year and 0.5% for the second  year (fee waived if completion is before 2 years and customer chooses a residential retention product. Evidence of completion certificate will be required)

Overpayments: 10% of the advance amount can be repaid per annum for two years without incurring a charge. A 1% charge is due on any amount repaid that exceeds 20% per annum in the first year and a 0.5% charge is due on any amount repaid that exceeds 10% per annum for the second year

Restrictions: The mortgage can be repaid on a capital & interest or interest only basis.

Other Features: Available for advance stage payment releases. The Society is able to take a charge on a second property, the property must have sufficient equity to cover 50% of the requested loan amount (including the contingency fund).  

Please note that we will consider the following:

• Guarantor mortgages (max 85% LTV)
• Self-employed applicants with only 1 year's accounts (Max 85% LTV)
• Joint borrower, sole proprietor