Product Updates Effective 05/01/2024

* Any fees added to the mortgage cannot exceed 95% LTV.

LTV	Product Description	Completion Fee	Product Type	Product Code
75%	5.49% variable until 30/04/2026	£0	Switcher	19319
75%	5.19% fixed until 30/04/2026	£0	Switcher	19315
75%	5.14% fixed until 30/04/2027	£0	Switcher	19321
75%	4.99% fixed until 30/04/2029	£0	Switcher	19324
85%	5.34% fixed until 30/04/2026	£0	Switcher	19316
85%	5.29% fixed until 30/04/2027	£0	Switcher	19322
85%	5.14% fixed until 30/04/2029	£0	Switcher	19325
95%	5.74% variable until 30/04/2026	£0	Switcher	19320
95%	5.54% fixed until 30/04/2026	£0	Switcher	19317
95%	5.49% fixed until 30/04/2027	£0	Switcher	19323
95%	5.34% fixed until 30/04/2029	£0	Switcher	19326
100%	5.74% fixed until 30/04/2026	£0	Switcher	19318
75%	5.64% fixed until 30/04/2026 – Help to Buy	£0	Switcher	19327
75%	5.54% fixed until 30/04/2029 – Help to Buy	£0	Switcher	19328
75%	5.49% fixed until 30/04/2026 – Assisted Mortgage	£0	Switcher	19333

Max LTV of borrowers share	Product Description	Completion Fee	Product Type	Product Code
85%	5.64% fixed until 30/04/2026 – Shared Ownership	£0	Switcher	19329
85%	5.49% fixed until 30/04/2029 – Shared Ownership	£0	Switcher	19331
95%	5.84% fixed until 30/04/2026 – Shared Ownership	£0	Switcher	19330
95%	5.69% fixed until 30/04/2029 – Shared Ownership	£0	Switcher	19332

No booking fee applies to all products in this update.
A product floor rate applies to all discounted products which is set to a standard rate of 2.50% during the discounted period.
When the initial product rate ends the rate reverts to the Society’s Standard Variable Rate (SVR), currently 6.74% variable, or SVR with a potential reduction determined by your client’s Loan to Value at that time for the rest of the term.
All products will be charged interest to the date of redemption.

Processing your new business DIPs

The deadline for the completion of new business DIPS on the products being withdrawn is 5pm on Thursday 4 January 2024.

If you have already completed a DIP Illustration, pipeline applications will be accepted until 5pm on Thursday 11 January 2024.

LTV	Product Description	Completion Fee	Product Type	Product Code
75%	5.49% variable until 31/03/2026	£0	Switcher	19298
75%	5.42% fixed until 31/03/2026	£0	Switcher	19294
75%	5.39% fixed until 31/03/2027	£0	Switcher	19300
75%	5.14% fixed until 31/03/2029	£0	Switcher	19303
85%	5.59% fixed until 31/03/2026	£0	Switcher	19295
85%	5.54% fixed until 31/03/2027	£0	Switcher	19301
85%	5.29% fixed until 31/03/2029	£0	Switcher	19304
95%	5.74% variable until 31/03/2026	£0	Switcher	19299
95%	5.79% fixed until 31/03/2026	£0	Switcher	19296
95%	5.74% fixed until 31/03/2027	£0	Switcher	19302
95%	5.59% fixed until 31/03/2029	£0	Switcher	19305
100%	5.99% fixed until 31/03/2026	£0	Switcher	19297
75%	5.89% fixed until 31/03/2026 – Help to Buy	£0	Switcher	19306
75%	5.69% fixed until 31/03/2029 – Help to Buy	£0	Switcher	19307
75%	5.74% fixed until 31/03/2026 – Assisted Mortgage	£0	Switcher	19312

Max LTV of borrowers share	Product Description	Completion Fee	Product Type	Product Code
85%	5.89% fixed until 31/03/2026 – Shared Ownership	£0	Switcher	19308
85%	5.64% fixed until 31/03/2029 – Shared Ownership	£0	Switcher	19310
95%	6.09% fixed until 31/03/2026 – Shared Ownership	£0	Switcher	19309
95%	5.84% fixed until 31/03/2029 – Shared Ownership	£0	Switcher	19311

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