Mortgages for direct customers
Your local mortgage lender offering a personal, tailored and flexible mortgage service specialising in:
- Green Mortgages
- Portfolio Landlord borrowers
- Holiday let mortgages
- Mortgages for self-employed
- Self-build mortgages
- Mortgages to purchase a second home
- Mortgages for small holdings with acreage
- Buy to let mortgages
- Limited Company Mortgages
- Short term lending/property renovations
- House purchase at auction
- Mortgages for High Net Worth Customers
- Lending Into Retirement
- Lending In Retirement
- Professionals/public service employees
Residential Mortgage Interest Rates effective 01.09.26
(click on the mortgage product name for more information)
|
Purchase / Remortgage |
Type |
Maximum Loan to Value of Property (LTV) |
Variable Interest Rate |
The overall cost for comparison is* |
APRC based on a loan value of: |
| Residential Mortgage 55 (RESI5526) |
1.50% discount off Standard Variable Rate (SVR) for term of loan |
55% |
5.00% |
5.20% APRC |
£200,000 |
| Residential Mortgage 80 (RESI8024) |
0.95% discount off Standard Variable Rate (SVR) for term of loan |
80% |
5.55% |
5.90% APRC |
£160,000 |
| High Income Mortgage (HNW26) |
1.50% discount off Standard Variable Rate (SVR) for term of loan |
80% |
5.00% |
5.20% APRC |
£350,000 |
| Medical Professional Mortgage (MEDPRO26) |
1.50% discount off Standard Variable Rate (SVR) for term of loan |
80% |
5.00% |
5.20% APRC |
£250,000 |
| Professional Mortgage (PROF26) |
1.50% discount off Standard Variable Rate (SVR) for term of loan |
80% |
5.00% |
5.20% APRC |
£230,000 |
| Green Mortgage (GRN26) |
1.50% discount off Standard Variable Rate (SVR) for term of loan |
80% |
5.00% |
5.30% APRC |
£150,000 |
| Lending in Retirement Mortgage (LIR26) |
1.25% discount off Standard Variable Rate (SVR) for term of loan |
60% |
5.25% |
5.50% APRC |
£230,000 |
| Bridging Mortgage (BRIDGE24) |
Standard Variable Rate (SVR) for term of loan |
60% |
6.50% |
8.40% APRC |
£350,000 |
| Standard Variable Rate 80 (SVR8024) |
Standard Variable Rate (SVR) for term of loan |
80% |
6.50% |
6.80% APRC |
£250,000 |
| Self Build Mortgage (SBPSVR26i2) |
Standard Variable Rate (SVR) for months 1-24 and from month 25, 1.50% discount off Standard variable Rate (SVR) for remainder of term of loan |
70% |
6.50% month 1-24 |
6.80% APRC |
£200,000 |
| Renovation Mortgage (RENPSVR26i2) |
Standard Variable Rate (SVR) for months 1-24 and from month 25, 1.50% discount off Standard variable Rate(SVR) for remainder of term of loan |
70% |
6.50% month 1-24 |
6.90% APRC |
£190,000 |
Buy To Let Mortgage Interest Rates effective 01.09.26
(click on the mortgage product name for more information)
|
Purchase / Remortgage |
Type |
Maximum Loan to Value of Property (LTV) |
Variable Interest Rate |
The overall cost for comparison is* |
APRC based on a loan value of: |
| Green BTL (GRNBTL26) | 0.60% over SBS Variable Base Rate (currently 4.90%) with a minimum SBS Base Rate of 3.00% | 75% | 5.50% | 5.90% APRC | £190,000 |
| Buy to Let 60 (BTL60-26) |
0.85% over SBS Variable Base Rate (currently 4.90%) with a minimum SBS Base Rate of 3.00% | 60% | 5.75% | 6.10% APRC | £190,000 |
| Buy to Let 75 (BTL75-26) |
1.25% over SBS Variable Base Rate (currently 4.90%) with a minimum SBS Base Rate of 3.00% | 75% | 6.15% | 6.60% APRC | £120,000 |
| Consumer BTL (CBTL26) |
1.35% over SBS Variable Base Rate (currently 4.90%) with a minimum SBS Base Rate of 3.00% | 75% | 6.25% | 6.60% APRC | £190,000 |
| 0.85% over SBS Variable Base Rate (currently 4.90%) with a minimum SBS Base Rate of 3.00% | 60% | 5.75% | 6.10% APRC | £155,000 | |
| 1.25% over SBS Variable Base Rate (currently 5.00%) with a minimum SBS Base Rate of 3.00% | 75% | 6.15% | 6.60% APRC | £155,000 | |
| Holiday Let 60 (HOL60-26) |
0.85% over SBS Variable Base Rate (currently 4.90%) with a minimum SBS Base Rate of 3.00% |
60% | 5.75% | 6.10% APRC | £350,000 |
| Holiday Let 75 (HOL75-26) |
1.25% over SBS Variable Base Rate (currently 4.90%) with a minimum SBS Base Rate of 3.00% | 75% | 6.15% | 6.50% APRC | £250,000 |
| Limited Company Holiday Let Mortgage (LHOL60-26) |
0.85% over SBS Variable Base Rate (currently 4.90%) with a minimum SBS Base Rate of 3.00% | 60% | 5.75% | 6.10% APRC | £350,000 |
| Limited Company Holiday Let Mortgage (LHOL75-26) |
1.25% over SBS Variable Base Rate (currently 4.90%) with a minimum SBS Base Rate of 3.00% | 75% | 6.15% | 6.20% APRC | £350,000 |
* The overall cost of comparison is based on a 25 year repayment mortgage
** The overall cost of comparison is based on a 25 year interest only mortgage
- Discount refers to discount from the Society's Standard Variable mortgage interest rate (SVR) - currently 6.50%.
- The Society’s Variable Base Rate for Buy to Let lending is currently 4.90%
- Where applicable, Product fees may be added to the loan unless stated.
- Application fee and valuation fee are payable at the time of application for the loan.
- The application fee is non-refundable, as is the valuation fee once the valuation has been carried out.
- A property release fee of £125 is payable when the loan is repaid.
Representative example
Residential Mortgage 80
Based on a loan of £160,000 for 25 years, on a discounted variable rate of 5.55% for the term of the mortgage the total amount payable would be £298,516.00 made up of the loan amount plus interest repayable by monthly instalments of £987.32.
Charges included in the total cost of the loan are:
- application fee - £300
- product fee - £1350
- valuation fee - £525
- CHAPS payment fee - £20
- Property release fee - £125
The overall cost for Comparison is 5.90% APRC representative
Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing other debts against your home.
Carmarthen Branch
13-14 Lammas Street,
Carmarthen SA31 3AQ
Tel: 01267 611950
Fax: 01267 611951
Cowbridge Branch
75 High Street,
Cowbridge CF71 7AF
Tel: 01446 506000
Fax: 01446 506001
Mumbles Branch
496 Mumbles Road,
Swansea SA3 4BX
Tel: 01792 739200
Fax: 01792 739201
Swansea Branch
1-4 Portland Street,
Swansea SA1 3DH
Tel: 01792 739100
Fax: 01792 739101
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