First time buyers
3 Year Fixed

Our 3 Year Fixed Mortgage offers a fixed rate of 2.19% for a period of 3 years from completion, followed by our standard variable rate currently 5.34%. The SVR interest rate charged won't fall below 2%.

Initial rate Overall cost for
Max % LTV Completion
2.19% 4.5% APRC 80% £999 View

Representative example

A mortgage of  £151,565.00, payable over 19 years (228 months) initially on a fixed rate for 3 years (36 months) of 2.19% and then on our standard variable rate of 5.34% for the remaining 16 years (192 months) would require 36 monthly payments of £813.22 then 192 monthly payments of £1,020.96. The total amount payable would be £227,040.31 made up of the loan amount plus interest (£74,001.31) with a £999.00 completion fee, £220.00 valuation fee, £30.00 CHAPS fee, £105.00 legal fees, and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.5% representative APRC.                                                                                                                                                                                    

Key Features


Minimum £25,000: Maximum £500,000

Loan to Value (LTV)

Maximum 80% (subject to the Society's lending policy)


Minimum 3 years: Maximum 35 years


This product is available for the purchase and re-mortgage of property in mainland England and Wales for the applicants own use.  All applications are subject to the Society’s general lending criteria, property valuation and satisfactory status enquiries. This product is a limited edition and can't be guaranteed until an application has been received.


The mortgage product may be transferred to a new mortgage arranged by the borrower(s) subject to the Society’s lending criteria.

Important Information  

The interest rate charged won't fall below 2%.

Early Repayment Charge Fees How to apply