3 Year Fixed

Our 3 Year Fixed Rate Mortgage offers a fixed rate of 2.79% 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
2.79% 4.7% APRC 90% £999 View

Representative example

A Mortgage of  £148,082.00, payable over 18 years and 9 months (225 months) initially on a fixed rate for 3 years (36 months) of 2.79% and then on our current standard variable rate of 5.34% for the remaining 15 years and 9 months (189 months) would require 36 monthly payments of £845.98 then 189 monthly payments of £1,012.82. The total amount payable would be £223,708.02 made up of the loan amount plus interest (£74,172.02) with a £200.00 valuation fee, £999.00 completion fee, £30.00 CHAPS fee, £105.00 legal fees and £120.00 mortgage exit administration fee. The overall cost for comparison is 4.7% representative APRC.

Key Features


Minimum £25,000: Maximum £350,000

Loan to Value (LTV)

Maximum 90% (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