We have consistently offered mortgages to customers and are regularly nominated for awards for our range of mortgage products. We have won “Moneyfacts Best First-Time Buyer Mortgage Provider” twice in recent times and have been highly commended as “Moneyfacts Best Regional Building Society”

We offer fixed rate mortgages, discount mortgages, remortgages, buy to let, self-build, near prime, retirement interest only and first time buyer mortgages

We can provide mortgages throughout England, Wales and Scotland (Scottish Islands by referral only). Please note all of our mortgage products are only available to UK residents, with the exception of Ex-Pat Buy-to-Let mortgages.

Whatever your clients personal mortgage requirements are, maybe they are a first time buyer, self-employed or maybe they are looking for the best deal our intermediary team are here to help.

Our mortgages are individually underwritten by our experienced underwriting team. We don’t use automated credit scoring because we believe our approach is more personal and allows us to get a better understanding your clients requirements

Our current list of mortgage products for new business is shown below. Contact us on 01782 255000, Option 1 Intermediary Mortgages then Option 1 New Mortgage Enquiries for more details about our mortgage products or visit us in branch to see what we can do for you.

The Society’s Standard Variable Rate (SVR) will increase from 7.99% to 8.49% on 1st December 2023.

Residential Fixed Rate Mortgages

Mortgage Product Product Code Initial Pay Rate Loan to Value Incentives Fees Overall Cost For Comparison Early Repayment Charges More Info
5.55% Fixed Rate Mortgage until 31 January 2026 MFD568 5.55% 75% Yes No 8.1% APRC Yes

Things you need to know

Repayment Basis
Capital & Interest

Fees
There are no application or arrangement fees

Minimum Interest Rate
The interest rate on this product will not drop below 2.00% (following the fixed rate period)

Incentives
Free Valuation
£250 contribution to Remortgage Legals when re-mortgaging using the Society’s nominated Solicitor

Loan Size
Minimum Loan: £30,000 Maximum Loan: £500,000

Maximum Loan to Value
Purchase 75%
Remortgage 75%

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each anniversary year until 31 January 2026 and may be made by monthly standing order. Any additional over payments above 10% during this period will attract a penalty calculated on the amount of the additional payments

Property Location
Available for properties located in England, Wales & mainland Scotland (Islands by referral)

Availability
This product is available for new mortgage customers only.

Early Repayment Charges
If this mortgage is repaid in full or in part before 31 January 2026 an early repayment charge will apply. This will be 2% of the
balance repaid during this period.
Example – The maximum early repayment charge you could pay is £4,111.78 based on £205,589.00.

Representative Example
A mortgage of £205,589.00 payable over 25 years initially on a Fixed Rate of 5.55% until 31 January 2026 and then on our Standard Variable Rate (SVR) of 8.49% (variable) for the remaining 23 years would require 24 monthly payments of £1,268.64 and 276 monthly payments of £1,630.57. The total amount payable would be £480,644.58 made up of the loan amount plus interest (£274,895.58), a funds transfer fee of £35.00 and a mortgage exit fee of £125.00. The overall cost for comparison is 8.1% APRC representative^

Find out More or Apply
Call us on 01782 255000 (selecting option 1 – Hanley Intermediaries then option 1 – New business enquiries)

Lines are Open 9.00am to 5.00pm Monday to Friday (Wednesday 9.30am to 5.00pm)

How Much Can Your Client Borrow?
Monthly Payment Calculator
View our General Mortgage Criteria
6.35% Fixed Rate Mortgage until 31 July 2028 MFD544 6.35% 95% Yes No 7.8% APRC Yes

Things you need to know

Repayment Basis
Capital & Interest

Fees
No application fee or arrangement fee

Minimum Interest Rate
The interest rate on this product will not drop below 2.00% (following the fixed rate period)

Incentives
Free Valuation

Loan Size
Minimum Loan: £30,000 Maximum Loan: £500,000

Maximum Loan to Value
Purchase 95%
Remortgage 95%

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each anniversary year until 31 July 2028 and may be
made by monthly standing order. Any additional overpayments above 10% during this period will attract a penalty
calculated on the amount of the additional payments

Property Location
Available for properties located in England, Wales & mainland Scotland (Islands by referral)

Procuration Fee
The Society will pay a proc fee of 0.35% on completion to the intermediary

Availability
This product is available for new mortgage customers only.

Early Repayment Charges
If this mortgage is repaid in full or in part before 31 July 2028 an early repayment charge will apply. This will be 2% of the
balance repaid during this period.
Example – The maximum early repayment charge you could pay is £4,598.50 based on £229,925.00

Representative Example
A mortgage of £229,925.00 payable over 25 years initially on a Fixed Rate of 6.35% until 31 July 2028 and then on our
Standard Variable Rate (SVR) of 8.49% (variable) for the remaining 20 years would require 60 monthly payments of
£1,530.99 and 240 monthly payments of £1,802.00. The total amount payable would be £524,499.84 made up of the
loan amount plus interest (£294,414.84), a funds transfer fee of £35.00 and a mortgage exit fee of £125.00.
The overall cost for comparison is 7.8% APRC representative^

Find out More or Apply
Call us on 01782 255000 (selecting option 1 – Hanley Intermediaries then option 1 – New business enquiries)

Lines are Open 9.00am to 5.00pm Monday to Friday (Wednesday 9.30am to 5.00pm)

Lines are Open 9.00am to 5.00pm Monday to Friday

How Much Can Your Client Borrow?
Monthly Payment Calculator
View our General Mortgage Criteria
6.39% Fixed Rate Mortgage until 31 January 2026 MFD559 6.39% 95% Yes No 8.2% APRC Yes

Things you need to know

Repayment Basis
Capital & Interest

Fees
No application fee or arrangement fee

Minimum Interest Rate
The interest rate on this product will not drop below 2.00% (following the fixed rate period)

Incentives
Free Valuation

Loan Size
Minimum Loan: £30,000 Maximum Loan: £500,000

Maximum Loan to Value
Purchase 95%
Remortgage 95%

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each anniversary year until 31 January 2026 and may be made by monthly standing order. Any additional over payments above 10% during this period will attract a penalty calculated on the amount of the additional payments

Property Location
Available for properties located in England, Wales & mainland Scotland (Islands by referral)

Availability
This product is available for new mortgage customers only.

Procuration Fee
The Society will pay a proc fee of 0.35% on completion to the intermediary

Early Repayment Charges
If this mortgage is repaid in full or in part before 31 January 2026 an early repayment charge will apply. This will be 2% of the
balance repaid during this period.
Example – The maximum early repayment charge you could pay is £4,554.18 based on £227,709.00.

Representative Example
A mortgage of £227,709.00 payable over 25 years initially on a Fixed Rate of 6.39% until 31 January 2026 and then on
our Standard Variable Rate (SVR) of 8.49% (variable) for the remaining 23 years would require 24 monthly payments of
£1,521.89 and 276 monthly payments of £1,814.39. The total amount payable would be £537,457.00 made up of the
loan amount plus interest (£309,588.00), a funds transfer fee of £35.00 and a mortgage exit fee of £125.00.
The overall cost for comparison is 8.2% APRC representative^

Find out More or Apply
Call us on 01782 255000 (selecting option 1 – Hanley Intermediaries then option 1 – New business enquiries)

Lines are Open 9.00am to 5.00pm Monday to Friday (Wednesday 9.30am to 5.00pm)

Lines are Open 9.00am to 5.00pm Monday to Friday

How Much Can Your Client Borrow?
Monthly Payment Calculator
View our General Mortgage Criteria
5.79% Fixed Rate Mortgage until 31 January 2026 MFD560 5.79% 80% Yes £649 8.2% APRC Yes

Things you need to know

Repayment Basis
Capital & Interest

Fees
£649 Arrangement fee (Deducted from the loan on completion)

Minimum Interest Rate
The interest rate on this product will not drop below 2.00% (following the fixed rate period)

Incentives
Free Valuation
£250 contribution to Remortgage Legals when re-mortgaging using the Society’s nominated Solicitor

Loan Size
Minimum Loan: £30,000 Maximum Loan: £500,000

Maximum Loan to Value
Purchase 80%
Remortgage 80%

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each anniversary year until 31 January 2026 and may be made by monthly standing order. Any additional over payments above 10% during this period will attract a penalty calculated on the amount of the additional payments

Property Location
Available for properties located in England, Wales & mainland Scotland (Islands by referral)

Availability
This product is available for new mortgage customers only.

Early Repayment Charges
If this mortgage is repaid in full or in part before 31 January 2026 an early repayment charge will apply. This will be 2% of the
balance repaid during this period.
Example – The maximum early repayment charge you could pay is £4,111.78 based on £205,589.00.

Representative Example
A mortgage of £205,589.00 payable over 25 years initially on a Fixed Rate of 5.79% until 31 January 2026 and then on
our Standard Variable Rate (SVR) of 8.49% (variable) for the remaining 23 years would require 24 monthly payments of
£1,298.35 and 276 monthly payments of £1,632.81. The total amount payable would be £482,623.55 made up of the
loan amount plus interest (£276,225.55), an arrangement fee of £649.00, a funds transfer fee of £35.00 and a mortgage
exit fee of £125.00. The overall cost for comparison is 8.2% APRC representative^

Find out More or Apply
Call us on 01782 255000 (selecting option 1 – Hanley Intermediaries then option 1 – New business enquiries)

Lines are Open 9.00am to 5.00pm Monday to Friday (Wednesday 9.30am to 5.00pm)

Lines are Open 9.00am to 5.00pm Monday to Friday

How Much Can Your Client Borrow?
Monthly Payment Calculator
View our General Mortgage Criteria

Shared Ownership Mortgages

Mortgage Product Product Code Initial Pay Rate Loan to Value Incentives Fees Overall Cost For Comparison Early Repayment Charges More Info
6.85% Fixed Rate Mortgage until 31 October 2025 MFD549 6.85% 95% of Share Yes No 8.3% APRC Yes

Things you need to know

Repayment Basis
Capital & Interest

Fees
No application fee or arrangement fee

Minimum Interest Rate
The interest rate on this product will not drop below 2.00% (following the fixed rate period)

Incentives
Free Valuation

Loan Size
Minimum Loan: £30,000 Maximum Loan: £500,000

Maximum Loan to Value
Purchase 95% of share
Remortgage 95% of share

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each anniversary year until 31 October 2025 and may be made by monthly standing order. Any additional overpayments above 10% during this period will attract a penalty calculated on the amount of the additional payments

Property Location
Available for properties located in England, Wales

Procuration Fee
The Society will pay a proc fee of 0.35% on completion to the intermediary

Availability
This product is available for new mortgage customers only.

Early Repayment Charges
If this mortgage is repaid in full or in part before 31 October 2025 an early repayment charge will apply. This will be 2% of the balance repaid during this period. Example – The maximum early repayment charge you could pay is £2,440.46 based on £122,023.00

Representative Example
A mortgage of £122,023.00 payable over 25 years initially on a Fixed Rate of 6.85% until 31 October 2025 and then on
our Standard Variable Rate (SVR) of 8.49% (variable) for the remaining 23 years would require 24 monthly payments
of £850.79 and 276 monthly payments of £974.56 The total amount payable would be £289,558.64 made up of the
loan amount plus interest (£167,375.64), a funds transfer fee of £35.00 and a mortgage exit fee of £125.00.
The overall cost for comparison is 8.3% APRC representative^

Find out More or Apply
Call us on 01782 255000 (selecting option 1 – Hanley Intermediaries then option 1 – New business enquiries)

Lines are Open 9.00am to 5.00pm Monday to Friday (Wednesday 9.30am to 5.00pm)

Lines are Open 9.00am to 5.00pm Monday to Friday

How Much Can Your Client Borrow?
Monthly Payment Calculator
View our General Mortgage Criteria

Residential Variable Rate Mortgages

Mortgage Product Product Code Initial Pay Rate Loan to Value Incentives Fees Overall Cost For Comparison Early Repayment Charges More Info
Bank Base Rate Tracker + 0.74% for Term MBRT100 5.99% 80% Yes No 6.0% APRC No

Things you need to know

Repayment Basis
Capital & Interest or Interest Only (Applicants must meet the Society’s Interest Only Criteria)

Fees
No application fee or arrangement fee

Minimum Interest Rate
The interest rate on this product will not drop below 2.00%

Incentives
Free Valuation

£250 contribution to Remortgage Legals when re-mortgaging using the Society’s nominated Solicitor**

Loan Size
Minimum Loan: £30,000 Maximum Loan: £500,000

Maximum Loan to Value
Purchase 80%
Remortgage 80%

Overpayments
There are no restrictions in overpayments which can be made by monthly standing order.

Bank of England Base Rate
In the event of a change in the Bank of England base rate. The interest rate will reflect the change from the 1st day of
the following month

Property Location
Available for properties located in England, Wales, and Scotland

Procuration Fee
The Society will pay a proc fee of 0.35% on completion to the intermediary

Availability
This product is available for new mortgage customers only.

Early Repayment Charges
No Early Repayment Charges apply.

Representative Example
A mortgage of £236,284.00 payable over 25 years on a Bank of England Base Rate Tracker plus 0.74% would require
300 monthly payments of £1,520.94. The total amount payable would be £456,441.13 made up of the loan amount
plus interest (£219,997.13), a funds transfer fee of £35.00 and a mortgage exit fee of £125.00. The overall cost for
comparison is 6.0% APRC representative

Find out More or Apply
Call us on 01782 255000 (selecting option 1 – Hanley Intermediaries then option 1 – New business enquiries)

Lines are Open 9.00am to 5.00pm Monday to Friday (Wednesday 9.30am to 5.00pm)

Lines are Open 9.00am to 5.00pm Monday to Friday

How Much Can Your Client Borrow?
Monthly Payment Calculator
View our General Mortgage Criteria

Buy to Let Mortgages

Mortgage Product Product Code Initial Pay Rate Loan to Value Incentives Fees Overall Cost For Comparison Early Repayment Charges More Info
Bank Base Rate Tracker + 1.30% for Term MBRT101 6.55% 75% None Yes 6.6% APRC No

Things you need to know

Repayment Basis
Capital & Interest or Interest Only (Applicants must meet the Society’s Interest Only Criteria)

Fees
No Application or Arrangement fee. A valuation fee is payable. See fee scale for cost

Minimum Interest Rate
The interest rate on this product will not drop below 2.00%.

Incentives
None

Loan Size
Minimum Loan: £30,000 Maximum Loan: £500,000

Maximum Loan to Value
Purchase 75%
Remortgage 75%

Overpayments
There are no restrictions in overpayments which can be made by monthly standing order.

Property Location
Available for properties located in England, Wales

Bank of England Base Rate
In the event of a change in the Bank of England base rate. The interest rate will reflect the change from the 1st day of
the following month

Procuration Fee
The Society will pay a proc fee of 0.40% on completion to the intermediary

Availability
This product is available for new mortgage customers only.

Early Repayment Charges
No Early Repayment Charges apply.

Representative Example
A mortgage of £124,217.00 payable over 25 years on a Bank of England Base Rate Tracker plus 1.30% would require
300 monthly payments of £842.61. The total amount payable would be £253,282.15 made up of the loan amount plus
interest (£128,565.15), a valuation fee of £340.00, a funds transfer fee of £35.00 and a mortgage exit fee of £125.00.
The overall cost for comparison is 6.6% APRC representative

Find out More or Apply
Call us on 01782 255000 (selecting option 1 – Hanley Intermediaries then option 1 – New business enquiries)

Lines are Open 9.00am to 5.00pm Monday to Friday (Wednesday 9.30am to 5.00pm)

Lines are Open 9.00am to 5.00pm Monday to Friday

View our General Mortgage Criteria
6.69% Fixed Rate Mortgage until 31 July 2028 MFD545 6.69% 80% None £499 8.0% APRC Yes

Things you need to know

Repayment Basis
Capital & Interest or Interest Only (Applicants must meet the Society’s Interest Only Criteria)

Fees
£499 Arrangement fee (Deducted from loan amount on completion). A valuation fee is payable. 

Minimum Interest Rate
The interest rate on this product will not drop below 2.00% (following the fixed rate period)

Incentives
None

Loan Size
Minimum Loan: £30,000 Maximum Loan: £500,000

Maximum Loan to Value
Purchase 80%
Remortgage 80%

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each anniversary year until 31 July 2028 and may
be made by monthly standing order. Any additional overpayments above 10% during this period will attract a penalty
calculated on the amount of the additional payments

Property Location
Available for properties located in England, Wales

Procuration Fee
The Society will pay a proc fee of 0.40% on completion to the intermediary

Availability
This product is available for new mortgage customers only.

Early Repayment Charges
if this mortgage is repaid in full or in part before 31 July 2028 an early repayment charge will apply. This will be 2% of
the balance repaid during this period.
Example – The maximum early repayment charge you could pay is £2,484.34 based on £124,217.00.

Representative Example
A mortgage of £124,217.00 payable over 25 years initially on a Fixed Rate of 6.69% until 31 July 2028 and then on our
Standard Variable Rate (SVR) of 8.49% (variable) for the remaining 20 years would require 60 monthly payments of
£853.53 and 240 monthly payments of £978.03. The total amount payable would be £286,897.38 made up of the loan
amount plus interest (£161,721.38), a valuation fee of £300.00, an arrangement fee of £499.00, a funds transfer fee of
£35.00 and a mortgage exit fee of £125.00.
The overall cost for comparison is 8.0% APRC representative^

Find out More or Apply
Call us on 01782 255000 (selecting option 1 – Hanley Intermediaries then option 1 – New business enquiries)

Lines are Open 9.00am to 5.00pm Monday to Friday (Wednesday 9.30am to 5.00pm)

Lines are Open 9.00am to 5.00pm Monday to Friday

View our General Mortgage Criteria

Self-Build Mortgages

Mortgage Product Product Code Initial Pay Rate Loan to Value Incentives Fees Overall Cost For Comparison Early Repayment Charges More Info
Variable Discount for 2 Years (Arrears) (For Part-Built) MDS239 6.95% 60% None £1,498 8.3% APRC No

Things you need to know

Initial Pay Rate
6.95% Initial Pay Rate for 2 years which represents a 1.54% discount off our Standard Variable Rate (SVR) currently (8.49%)

Repayment Basis
Low Start – Interest Only for the first two years reverting to Capital & Interest for the remaining term.

Fees
Non-refundable Application Fee: £299
Arrangement Fee: £1,199 (Deducted from the loan on completion)

Minimum Interest Rate
The interest rate on this product will not drop below 2.00%

Incentives
None

Loan Size
Minimum Loan £30,000
Maximum Loan £500,000

Maximum Loan to Value (LTV)
Purchase 60% (Land / Construction or Renovation End Valuation)
Remortgage 60% (Land / Construction or Renovation End Valuation)

Overpayments
There are no restrictions on overpayments.

Property Location
Available for loans on properties in England, Wales and Scotland (Selected Scottish Islands accepted, please refer to criteria)

Availability
This product is available for new mortgage customers only.

This product is not available for Consumer or Regulated Buy to Let purposes

Procuration Fee
The Society will pay a procuration fee of 0.50% on completion to the intermediary

Early Repayment Charges
There are no early repayment charges.

Product Specific Criteria
The property should be at a minimum of wall plate level for self-build for full structural overhaul including roofing and damp proof course in respect of a renovation.

Covered by an acceptable warranty provider (retrospective warranty is not acceptable – see self-build lending guide for details).

Certified by the warranty provider and sign off certificates for each stage should be submitted with the application.

Funds will be released in stages

Representative Example
A mortgage of £206,000 payable over 25 years initially on a discounted variable rate of 6.95% for 2 years and then on
our Standard Variable Rate (SVR) of 8.49% (variable) for the remaining 23 years would require 24 monthly payments
of £1,449.40 and 276 monthly payments of £1,646.08. The total amount payable would be £491,140.38 made up of
the loan amount plus interest (£283,102.38), an Application fee of £299, an Arrangement fee of £1,199, a Funds
transfer fee of £35 a Valuation Fee of £380 and a Mortgage Exit Fee of £125.
The overall cost for comparison is 8.3% APRC representative^

Find out More or Apply
Call us on 01782 255000 (selecting option 1 – Hanley Intermediaries then option 1 – New business enquiries)

Lines are Open 9.00am to 5.00pm Monday to Friday (Wednesday 9.30am to 5.00pm)

How Much Can Your Client Borrow?
Monthly Payment Calculator
View our General Mortgage Criteria
Variable Discount for 2 Years (Arrears) MDS237 7.54% 60% None £999 8.4% APRC Yes

Things you need to know

Initial Pay Rate
7.54% Initial Pay Rate for 2 years which represents a 0.95% discount off our Standard Variable Rate (SVR) currently (8.49%)

Repayment Basis
Low Start – Interest Only for the first two years reverting to Capital & Interest for the remaining term.

Fees
Non-refundable Application Fee: £299
Arrangement Fee: £700 (Deducted from the loan on completion)

Minimum Interest Rate
The interest rate on this product will not drop below 2.00%

Incentives
No

Loan Size
Minimum Loan £30,000
Maximum Loan £1,250,000 up to 50% LTV £1,000,000 up to 60% LTV, (Loans above £500,000 will be considered on an individual basis)

Maximum Loan to Value (LTV)
Purchase 60% (Land / Construction or Renovation End Valuation)
Remortgage 60% (Land / Construction or Renovation End Valuation)

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each Society year during the first 2 years and may be made by monthly standing order. Any additional overpayments above 10% during this period will attract a penalty calculated on the amount of the additional payments.

Property Location
Available for loans on properties in England, Wales and Scotland (Selected Scottish Islands accepted, please refer to criteria)

Availability
This product is available for new mortgage customers only.

This product is not available for Consumer or Regulated Buy to Let purposes

Procuration Fee
The Society will pay a procuration fee of 0.50% on completion to the intermediary.

Early Repayment Charges
If this mortgage is repaid in full during the first 2 years an early repayment charge will apply. This will be 2% of the balance repaid during this period.

Example – The maximum early repayment charge you could pay is £4,120 based on £206,000.

Representative Example
A mortgage of £206,000 payable over 25 years initially on a rate of 7.54% which represents a Discount of 0.95%, for 2
years and then on our Standard Variable Rate (SVR) of 8.49% (variable) for the remaining 23 years would require 24
monthly payments of £1,529.03 and 276 monthly payments of £1,650.74. The total amount payable would be £493,839.18
made up of the loan amount plus interest (£286,300.18), an Application fee of £299, an Arrangement fee of £700, a Funds
transfer fee of £35 a Valuation Fee of £380 and a Mortgage Exit Fee of £125.
The overall cost for comparison is 8.4% APRC representative^

Find out More or Apply

Call us on 01782 255000 (selecting option 1 – Hanley Intermediaries then option 1 – New business enquiries)
Lines are open 9.00am to 5.00pm Monday to Friday (Wednesday 9.30am to 5.00pm)

How Much Can Your Client Borrow?
Monthly Payment Calculator
View our General Mortgage Criteria
Variable Discount for 2 Years (Arrears) MDS238 7.94% 80% None £948 8.5% APRC Yes

Things you need to know

Initial Pay Rate
7.94% Initial Pay Rate for 2 years which represents a 0.55% discount off our Standard Variable Rate (SVR) currently (8.49%)

Repayment Basis
Low Start – Interest Only for the first two years reverting to Capital & Interest for the remaining term.

Fees
Non-refundable Application Fee: £299
Arrangement Fee: £649 (Deducted from the loan on completion)

Minimum Interest Rate
The interest rate on this product will not drop below 2.00%

Incentives
None

Loan Size
Minimum Loan £30,000
Maximum Loan £1,000,000 (loans over £500,000 will be considered on an individual basis)

Maximum Loan to Value (LTV)
Purchase 80% (Land / Construction or Renovation End Valuation)
Remortgage 80% (Land / Construction or Renovation End Valuation)

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each Society year during the first 2 years and may be made by monthly standing order. Any additional overpayments above 10% during this period will attract a penalty calculated on the amount of the additional payments.

Availability
This product is available for new mortgage customers only.

Property Location
Available for loans on properties in England, Wales and Scotland (Selected Scottish Islands accepted, please refer to criteria)

Procuration Fee
The Society will pay a procuration fee of 0.50% on completion to the intermediary.

Early Repayment Charges
If this mortgage is repaid in full during the first 2 years an early repayment charge will apply. This will be 2% of the balance repaid during this period.

Example – The maximum early repayment charge you could pay is £4,000 based on £200,000.

Representative Example
A mortgage of £200,000 payable over 25 years initially on a discounted variable rate of 7.94% for 2 years and then on our
Standard Variable Rate (SVR) of 8.49% (variable) for the remaining 23 years would require 24 monthly payments of
£1,535.69 and 276 monthly payments of £1,605.43.The total amount payable would be £481,387.21 made up of the loan
amount plus interest (£279,954.21), an Application fee of £299, an Arrangement fee of £649, a Funds transfer fee of £35, a
Valuation fee of £325 and a Mortgage Exit Fee of £125.
The overall cost for comparison is 8.5% APRC representative^

Find out More or Apply
Call us on 01782 255000 (selecting option 1 – Hanley Intermediaries then option 1 – New business enquiries)
Lines are open 9.00am to 5.00pm Monday to Friday (Wednesday 9.30am to 5.00pm)

How Much Can Your Client Borrow?
Monthly Payment Calculator
View our General Mortgage Criteria
Variable Discount Mortgage for 2 Years (Arrears) MDS267 8.09% 80% None No 8.5% APRC Yes

Things you need to know

Initial Pay Rate
8.09% Initial Pay Rate for 2 Years which represents a 0.40% discountoff our Standard Variable Rate (SVR) currently (8.49%)

Repayment Basis
Low Start – Interest Only for the first two years reverting to Capital & Interest for the remaining term.

Fees
here are no application or arrangement fees
Valuation fee: subject to property value

Minimum Interest Rate
The interest rate on this product will not drop below 2.00%

Incentives
None

Loan Size
Minimum Loan £30,000
Maximum Loan £1,000,000 (loans over £500,000 will be considered on an individual basis)

Maximum Loan to Value (LTV)
House Purchase – 80% (Land/Construction or Renovation End Valuation)
Remortgage – 80% (Land/Construction or Renovation End Valuation)

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each Society year during the first 2 years and may be made by monthly standing order. Any additional overpayments above 10% during this period will attract a penalty calculated on the amount of the additional payments.

Availability
This product is available for new mortgage customers only.

Property Location
Available for loans on properties in England, Wales and Scotland (Selected Scottish Islands accepted, please refer to criteria)

Procuration Fee
The Society will pay a procuration fee of 0.50% on completion to the intermediary.

Early Repayment Charges
If this mortgage is repaid in full or in part in the first 2 years an early repayment charge will apply. This will be 2% of the
balance repaid during this period.
Example – The maximum early repayment charge you could pay is £4,120 based on £206,000

Representative Example
A mortgage of £206,000 payable over 25 years initially on a discounted rate of 8.09% for the first 2 years and then on our
Standard Variable Rate (SVR) of 8.09% (variable) for the remaining 23 years would require 24 monthly payments of
£1,602.24 and 276 monthly payments of £1,654.65. The total amount payable would be £495,677.00 made up of the loan
amount plus interest (£289,137.00), a Funds transfer fee of £35, a Valuation fee of £380 and a Mortgage Exit Fee of £125.
The overall cost for comparison is 8.5% APRC representative^

Find out More or Apply
Call us on 01782 255000 (selecting option 1 – Hanley Intermediaries then option 1 – New business enquiries)
Lines are open 9.00am to 5.00pm Monday to Friday (Wednesday 9.30am to 5.00pm)

How Much Can Your Client Borrow?
Monthly Payment Calculator
View our General Mortgage Criteria

Retirement Interest Only Mortgages

Mortgage Product Product Code Initial Pay Rate Loan to Value Incentives Fees Overall Cost For Comparison Early Repayment Charges More Info
Variable Discount for Term (with LPA/CPA) MDS209 6.04% 50% None £250 6.1% APRC No

Things you need to know

Initial Pay Rate
6.04% Initial Pay Rate for term which represents a 2.45% discount off our Standard Variable Rate (SVR) currently (8.49%)

Repayment Basis
Interest Only

Fees
Non-refundable Application Fee: £250

Minimum Interest Rate
The interest rate on this product will not drop below 2.00%

Incentives
No

Loan Size
Minimum Loan £10,000
Maximum Loan £750,000

Maximum Loan to Value (LTV)
Purchase 50%
Remortgage 50%

Property Location
Available for properties located in England, Wales and Scotland (Selected Scottish Islands accepted, please refer to criteria)

Availability
This product is available for new mortgage customers only.

Procuration Fee
The Society will pay a procuration fee of 0.35% on completion to the intermediary.

Early Repayment Charges
There are no early repayment charges.

Representative Example

A mortgage of £56,275 payable over 25 years on a discounted variable rate of 6.04% for 25 years would require 300
monthly payments of £283.25. The total amount payable would be £141,810.25 made up of the loan amount plus interest
(£84,975.25), an Application fee of £250, Valuation fee of £275 and a Funds transfer fee of £35
The overall cost for comparison is 6.1% APRC representative^gaging

RIO Guide

To found out more about Retirement Interest Only Mortgages, read our helpful guide HERE

Find out More or Apply
Call us on 01782 255000 (selecting option 1 – Hanley Intermediaries then option 1 – New business enquiries)
Lines are open 9.00am to 5.00pm Monday to Friday (Wednesday 9.30am to 5.00pm)

View our General Mortgage Criteria
Variable Discount for Term (no LPA/CPA) MDS204 6.54% 50% None £250 6.6% APRC No

Things you need to know

Initial Pay Rate
6.54% Initial Pay Rate for term which represents a 1.95% discount off our Standard Variable Rate (SVR) currently (8.49%)

Repayment Basis
Interest Only

Fees
Non-refundable Application Fee: £250

Minimum Interest Rate
The interest rate on this product will not drop below 2.00%

Incentives
No

Loan Size
Minimum Loan £10,000
Maximum Loan £750,000

Maximum Loan to Value (LTV)
Purchase 50%
Remortgage up to 50%

Property Location
Available for properties located in England, Wales and Scotland (Selected Scottish Islands accepted, please refer to criteria)

Availability
This product is available for new mortgage customers only.

Procuration Fee
The Society will pay a procuration fee of 0.35% on completion to the intermediary

Early Repayment Charges
There are no early repayment charges.

Representative Example
A mortgage of £56,275 payable over 25 years on a discounted variable rate of 6.54% for 25 years would require 300
monthly payments of £306.70. The total amount payable would be £148.844.63 made up of the loan amount plus interest
(£92,009.63), an Application fee of £250, Valuation fee of £275 and a Funds transfer fee of £35
The overall cost for comparison is 6.6% APRC representative

RIO Guide
To found out more about Retirement Interest Only Mortgages, read our helpful guide HERE

Find out More or Apply
Call us on 01782 255000 (selecting option 1 – Hanley Intermediaries then option 1 – New business enquiries)
Lines are open 9.00am to 5.00pm Monday to Friday (Wednesday 9.30am to 5.00pm)

View our General Mortgage Criteria

Interest Only Mortgages

Mortgage Product Product Code Initial Pay Rate Loan to Value Incentives Fees Overall Cost For Comparison Early Repayment Charges More Info
2.60% Variable Discount for Term MDS268 5.89% 60% Yes £1,000 8.2% APRC Yes

Things you need to know

Repayment Basis
Interest Only (Applicants must meet the Society’s Interest Only Criteria)

Fees
£1,000 Arrangement fee (Deducted from loan amount on completion)

Minimum Interest Rate
The interest rate on this product will not drop below 2.00%

Incentives
Free Valuation
£250 contribution to Remortgage Legals when re-mortgaging using the Society’s nominated Solicitor

Loan Size
Minimum Loan: £30,000 Maximum Loan: £1,000,000 @ 60% LTV, £1,250,000 @ 50% LTV

Maximum Loan to Value
Purchase 60%
Remortgage 60%

Overpayments
Overpayments of up to 10% of the mortgage balance are permitted each anniversary year for the first 2 years and may be made by monthly standing order. Any additional over payments above 10% during this period will attract a penalty calculated on the amount of the additional payments

Property Location
Available for properties located in England, Wales, and Scotland (Islands be referral)

Procuration Fee
The Society will pay a proc fee of 0.35% on completion to the intermediary

Availability
This product is available for new mortgage customers only.

Early Repayment Charges
If this mortgage is repaid in full or in part during the first 2 years an early repayment charge will apply. This will be 2% of the balance repaid during this period.
Example – The maximum early repayment charge you could pay is £4,149.74 based on £207,487.00.

Representative Example
A mortgage of £207,487.00 payable over 25 years on a discounted rate of 5.89% would require 300 interest only monthly
payments of £1,018.42. The total amount payable would be £512,171.61 made up of the loan amount plus interest
(£305,524.61), a funds transfer fee of £35.00, arrangement fee of £1,000.00 and a mortgage exit fee of £125.00.
The overall cost for comparison is 8.2% APRC representative^

Find out More or Apply
Call us on 01782 255000 (selecting option 1 – Hanley Intermediaries then option 1 – New business enquiries)

Lines are Open 9.00am to 5.00pm Monday to Friday (Wednesday 9.30am to 5.00pm)

Lines are Open 9.00am to 5.00pm Monday to Friday

How Much Can Your Client Borrow?
View our General Mortgage Criteria

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Mortgage Product Product Code Initial Pay Rate Loan to Value Incentives Fees Overall Cost For Comparison Early Repayment Charges More Info

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