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Mortgage products for exisitng customers

If your client is an existing customer of the Society and coming to the end of their deal, or is currently on our Standard Variable Rate, they may be eligible to apply for one of our follow-on products. These products are exclusively available to existing customers and may offer a better rate of interest than our products for new customers.

Please note that these constitute our currently available follow-on products. They are periodically refreshed, therefore the actual products and rates offered will vary according to when your client’s mortgage deal comes to an end.

If you wish to discuss your client’s follow-on deal, we will need evidence that you have been given permission to do so. Call us on 0330 123 1073 for more information.

Retention 2.99% 2 Year Fixed Rate

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  • FIXED RATE of 2.99% until 30 June 2020
  • 5.1% APRC
  • Available EXCLUSIVELY to existing borrowers at the end of their current scheme or currently paying the Society's Standard Variable Rate following expiry of a previous mortgage scheme

Representative example (this information is based on a typical application and not to your individual circumstances. It does not contain all of the details you need to choose a mortgage)

A mortgage of £189,000.00 payable over 25 years initially on a fixed rate of 2.99% for 27 months, then on our Standard Variable Rate currently at 5.49% for the remainder of the mortgage term would require 27 monthly payments of £895.87, followed by 273 monthly payments of £1,138.55.
The total amount payable would be £335,107.64, made up of the loan amount plus interest (£145,887.64), a switching fee of £125 and a mortgage exit fee of £95.
The overall cost for comparison is 5.1% APRC representative.
[This representative example is based on assumptions that the loan would start from 22 March 2018]

22063

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
£125 N/A N/A N/A N.A Equal to remaining mortgage balance

Fee free overpayments up to 50% of the loan

For overpayments over 50%, the Early Repayment Charge is 3% of the overpayment

Early Repayment Charge period ends 30 June 2020

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to take a look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

To see a comparison of all of our products for existing members, please download our Existing Borrower Mortgage Rate Guide.

Retention 2.25% 3 Year Discount Rate

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  • STANDARD VARIABLE RATE currently 5.49% with a discount of 3.24% until 3 years from completion
  • 4.9% APRC
  • Available EXCLUSIVELY to existing borrowers at the end of their current scheme or currently paying the Society's Standard Variable Rate following expiry of a previous mortgage scheme

Representative example (this information is based on a typical application and not to your individual circumstances. It does not contain all of the details you need to choose a mortgage)

A mortgage of £142,500.00 payable over 35 years initially on our Standard Variable Rate currently at 5.49% with a discount of 3.24%, giving a payable rate of 2.25% for 36 months, then on our Standard Variable Rate currently at 5.49% for the remainder of the mortgage term would require 36 monthly payments of £490.54, followed by 384 monthly payments of £742.61.
The total amount payable would be £302,916.68 made up of the loan amount plus interest (£160,321.68), and a mortgage exit fee of £95.
The overall cost for comparison is 4.9% APRC representative.
[This representative example is based on assumptions that the loan would start from 22 March 2018]

21057

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
FREE N/A N/A N/A N/A Equal to remaining mortgage balance

Fee free overpayments up to 50% of the loan

For overpayments over 50%, the Early Repayment Charge is 1% of the overpayment

Early Repayment Charge period ends 3 years from completion

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to take a look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

To see a comparison of all of our products for existing members, please download our Existing Borrower Mortgage Rate Guide..

Retention (Shared Ownership) 3.49% 3 Year Discount Rate

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  • STANDARD VARIABLE RATE currently 5.49% with a discount of 2.00% until 3 years from completion
  • 5.1% APRC
  • Available EXCLUSIVELY to existing borrowers at the end of their current scheme or currently paying the Society's Standard Variable Rate following expiry of a previous mortgage scheme

Representative example (this information is based on a typical application and not to your individual circumstances. It does not contain all of the details you need to choose a mortgage)

A mortgage of £85,000.00 payable over 30 years initially on our Standard Variable Rate currently at 5.49% with a discount of 2.00%, giving a payable rate of 3.49% for 36 months, then on our Standard Variable Rate currently at 5.49% for the remainder of the mortgage term would require 34 monthly payments of £381.21, followed by 325 monthly payments of £473.77.
The total amount payable would be £167,694.55, made up of the loan amount plus interest (£81,901.77), a switching fee of £125 and a mortgage exit fee of £95.
The overall cost for comparison is 5.1% APRC representative.
 [This representative example is based on assumptions that the loan would start from 1 January 2018]

21054

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
£125 N/A N/A N/A N/A Equal to remaining mortgage balance

Fee free overpayments up to 50% of the loan

For overpayments over 50%, the Early Repayment Charge is 1% of the overpayment

Early Repayment Charge period ends 3 years from completion

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to take a look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

To see a comparison of all of our products for existing members, please download our Existing Borrower Mortgage Rate Guide.

Retention (Shared Ownership) 3.95% 2 Year Fixed Rate

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  • FIXED RATE of 3.95% until 30 April 2020
  • 5.4% APRC
  • Available EXCLUSIVELY to existing borrowers at the end of their current scheme or currently paying the Society's Standard Variable Rate following expiry of a previous mortgage scheme

Representative example (this information is based on a typical application and not to your individual circumstances. It does not contain all of the details you need to choose a mortgage)

A mortgage of £85,000.00 payable over 30 years initially on a fixed rate of 3.95% until 31 January 2020, then on our Standard Variable Rate currently at 5.49% for the remainder of the mortgage term would require 22 monthly payments of £403.36, followed by 337 monthly payments of £478.02.
The total amount payable would be £170,780.18, made up of the loan amount plus interest (£85,560.18), a switching fee of £125 and a mortgage exit fee of £95.
The overall cost for comparison is 5.4% APRC representative.
 [This representative example is based on assumptions that the loan would start from 1 January 2018]

22060

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
£125 N/A N/A N/A N/A Equal to remaining mortgage balance

Fee free overpayments up to 50% of the loan

For overpayments over 50%, the Early Repayment Charge is 3% of the overpayment

Early Repayment Charge period ends 30 April 2020

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to take a look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

To see a comparison of all of our products for existing members, please download our Existing Borrower Mortgage Rate Guide..

Retention (Buy to Let) 2.95% 3 Year Discount Rate

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Fees
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  • VARIABLE RATE of 5.49% with a discount of 2.54% until 3 years from completion
  • 4.9% APRC
  • Available EXCLUSIVELY to existing borrowers at the end of their current scheme or currently paying the Society's Standard Variable Rate following expiry of a previous mortgage scheme

Representative example (this information is based on a typical application and not to your individual circumstances. It does not contain all of the details you need to choose a mortgage)

A mortgage of £266,250.00  payable over 25 years initially on our Standard Variable Rate currently at 5.49% with a discount of 2.54%, giving a payable rate of 2.95%, then on our Standard Variable Rate for the remainder of the mortgage term would require 36 monthly payments of £1,255.67, followed by 264 monthly payments of £1,591.72.
The total amount payable would be £465,513.20 made up of the loan amount plus interest (£199,168.20) and a mortgage exit fee of £95.
The overall cost for comparison is 4.9% APRC representative.
[This representative example is based on assumptions that the loan would start from 22 March 2018]

21058

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
FREE N/A N/A N/A N/A Equal to remaining mortgage balance

Fee free overpayments up to 50% of the loan

For overpayments over 50%, the Early Repayment Charge is 1% of the overpayment

Early Repayment Charge period ends 3 years from completion

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to take a look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

To see a comparison of all of our products for existing members, please download our Existing Borrower Mortgage Rate Guide..

Retention (Buy to Let) 3.45% 2 Year Fixed Rate

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Fees
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Download Comparison
  • FIXED RATE of 3.45% until 30 June 2020
  • 5.2% APRC
  • Available EXCLUSIVELY to existing borrowers at the end of their current scheme or currently paying the Society's Standard Variable Rate following expiry of a previous mortgage scheme

Representative example (this information is based on a typical application and not to your individual circumstances. It does not contain all of the details you need to choose a mortgage)

A mortgage of £300,000.00 payable over 25 years initially on a fixed rate of 3.45% for 27 months, then on our Standard Variable Rate currently at 5.49% for the remainder of the mortgage term would require 27 monthly payments of £1,495.33, followed by 273 monthly payments of £1,814.83.
The total amount payable would be £535,917.50 made up of the loan amount plus interest (£235,523.50),  a completion fee of £299 and a mortgage exit fee of £95.
The overall cost for comparison is 5.2% APRC representative.
[This representative example is based on assumptions that the loan would start from 22 March 2018]

22064

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
£299 N/A N/A N/A N/A Equal to remaining mortgage balance

Fee free overpayments up to 50% of the loan

For overpayments over 50%, the Early Repayment Charge is 3% of the overpayment

Early Repayment Charge period ends 30 June 2020

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to take a look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

To see a comparison of all of our products for existing members, please download our Existing Borrower Mortgage Rate Guide..

Retention (Expat) 3.99% 3 Year Discount Rate

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Fees
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Download Comparison
  • VARIABLE RATE of 5.49% with a discount of 1.50% until 3 years from completion
  • 5.2% APRC
  • Available EXCLUSIVELY to existing borrowers at the end of their current scheme or currently paying the Society's Standard Variable Rate following expiry of a previous mortgage scheme

Representative example (this information is based on a typical application and not to your individual circumstances. It does not contain all of the details you need to choose a mortgage)

A mortgage of £150,731.00 payable over 25 years initially on our Standard Variable Rate currently at 5.49% with a discount of 1.50%, giving a payable rate of 3.99% for 36 months, then on our Standard Variable Rate currently at 5.49% for the remainder of the mortgage term would require 34 monthly payments of £794.78, followed by 265 monthly payments of £911.76.
The total amount payable would be £270,243.49, made up of the loan amount plus interest (£119,118.49), a completion fee of £299 and a mortgage exit fee of £95.
The overall cost for comparison is 5.2% APRC representative.
[This representative example is based on assumptions that the loan would start from 1 January 2018]

21055, 21056

Completion Fee Application Fee (Payable with application and non-refundable) Valuation Fee (Payable with application) Higher Lending Charge CHAPS (Fee for transfer of funds to solicitor) Maximum Loan Amount
£299 - - - -

Fee free overpayments up to 50% of the loan

For overpayments over 50%, the Early Repayment Charge is 1% of the overpayment

Early Repayment Charge period ends 3 years from completion date

To apply, please speak to one of our expert Mortgage Consultants, based in Ipswich, on 0330 123 0773 - we're happy to discuss your application over the telephone or, if you'd prefer, we can arrange to meet with you at one of our 9 branches across Suffolk.

In the meantime, you may find it useful to take a look at our mortgage calculator to get an idea of what your monthly payment may be.

To apply for this product visit our Apply and Track section, or give our intermediary sales team a call on 0330 123 1073.

To see a comparison of all of our products for existing members, please download our Existing Borrower Mortgage Rate Guide.