EXISTING MEMBERS

Existing Mortgage Members

We value your loyalty and we’ll always offer you our best mortgage deal.

If you are coming to the end of your existing mortgage promotional period and would like to stay with us, or if you’re considering borrowing additional funds for home improvements, enter some details in the calculator to see which products are available to you.

If you need more information, our qualified advisers are on hand to help with your mortgage queries.

Our mortgage guarantee promises that we’ll give you our best service, or we’ll pay you £100.

IMPORTANT INFORMATION

• All loans are subject to status and meeting our lending criteria, which will include a credit reference assessment.
• Maximum loan to income is 4 x annual income (benefits can only be taken into consideration if they are payable for the full term of mortgage – evidence of this will be required). For non-contractual regular income such as bonuses or regular overtime, some of this income may be considered if proof available over a two-year period.
• A higher lending charge may be applicable, depending on the amount you wish to borrow and the value/purchase price of your property. We charge 0.5% of the loan value for LTV between 85% and 90% and 1% of the loan value for LTV greater than 90%. The maximum you can borrow is 95% of the value or purchase price (whichever is lower) of your property.
• An early repayment charge of 2% applies during the promotional rate period.
• A redemption administration fee is payable when your mortgage is repaid in full, the current fee is £125.
• A valuation fee may be payable, the fee noted in our illustration is an average, please contact the office to find out what the fee will be (if a fee is payable).