2 Year Fixed

Our 2 Year Fixed Mortgage offers a fixed rate of 2.99% for a period of 2 years from completion, followed by our standard variable rate currently 5.34%. The interest rate charged won't fall below 2%.

Initial rate Overall cost for
Max % LTV Completion
2.99% 5.1% APRC 85% £999 View

Representative example

A Mortgage of  £168,918.00, payable over 19 years and 6 months (234 months) initially on a fixed rate for 2 years (24 months) of 2.99% and then on our current standard variable rate of 5.34% for the remaining 17 years and 6 months (210 months) would require 24 monthly payments of £953.52 then 210 monthly payments of £1,143.04. The total amount payable would be £264,782.74 made up of the loan amount plus interest (£94,390.74) and 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 5.1% representative APRC.

Key Features


Minimum £150,000: Maximum £750,000

Loan to Value (LTV)

Maximum 85% (subject to the Society's lending policy)


Minimum 2 years: Maximum 35 years


This product is available for the purchase or re-mortgage residential property in mainland England and Wales for the applicants own use. Sole applicants must be earning a minimum of £50,000 and joint applicants must be jointly earning a minimum of £75,000.  All applications are subject to the Society’s general lending criteria, property valuation and satisfactory status enquiries. This product is a limited edition and cannot be guaranteed until an application has been received.  

Early Repayment Charge Fees How to apply