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  • You find a home,
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    We understand how important getting a mortgage is. It's not just about taking out a mortgage, it's about moving into your new home. 

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All Mortgages

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Right To Buy

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
3.89% Fixed rate to 31st August 2020 [RBO2][#]47399[#]3.89%4.99% variable4.8% APRC90% LTV of discounted price
80% LTV of full market value
£150£850
3.49% Right to Buy 3 year discount of 1.50% from SVR [RB01][#]47399[#]3.49%4.99% variable4.5% APRC80% LTV of full market value
or 90% LTV of discounted price
£150£850

New Build

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
3.49% 3 year discount of 1.50% from SVR [DO46][#]47578[#]3.49% variable4.99% variable4.5% APRC85% or 80% for flats or London properties£150£850
3.89% Fixed rate to 31st August 2020 [F661][#]47578[#]3.89%4.99% variable4.8% APRC85% or 80% for flats or London properties£150£850

First Time Buyer

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
3.39% Fixed rate to 30 June 2020 [FF01][#]46955[#]3.39%4.99% variable4.6% APRC95% £150None
3.24% 3 year discount of 1.75% from our SVR [DF01][#]46955[#]3.24%4.99% variable4.4% APRC95% £150Free

Prime Purchase

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
4.99% Standard Variable Rate [SVR5][#]43986[#]43987[#]4.99% variable4.99% variable5.2% APRC80% including fees£1501% of the loan

Prime Remortgage

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
3.39% 3 year discount of 1.60% from SVR [D043][#]43987[#]3.39% variable4.99% variable4.4% APRC80% including fees£150£850
4.99% Standard Variable Rate [SVR5][#]43986[#]43987[#]4.99% variable4.99% variable5.2% APRC80% including fees£1501% of the loan

Non Standard Purchase and Remortgage

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
3.49% 5 year discount of 1.50% from SVR [D044][#]43989[#]3.49% variable4.99% variable4.1% APRC80% including fees£850£150
3.79% fixed rate to 30th June 2020 [F659][#]43989[#]3.79% fixed4.99% variable4.7% APRC80% including fees£150£850
3.59% non standard credit 5 year discount of 1.40% from our SVR [DO35][#]43989[#]3.59% variable4.99% variable4.6% APRC80% including fees£150£850

Credit Repair

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
4.49% 3 year discount of 0.50% from our SVR [CR01][#]46974[#]4.49%4.99% variable5.0% APRC70%£150£999

Buy to Let & Consumer BTL

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
3.69% BTL 3 year discount of 2.05% from BTL SVR [BL19][#]43992[#]3.69%5.74% variable5.1% APRC70% including fees£150£999
3.99% Buy to Let fixed rate to 30th May 2020 [BL20][#]43992[#]3.99%5.74% variable5.2% APRC70% including fees£150£999

Contractors

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
4.29% Contractor 3 year discount of 0.70% from our SVR [DC07][#]43990[#]4.29% variable4.99% variable4.8% APRC95%£150£1250
3.79% Contractor 3 year discount of 1.20% from our SVR [DC12][#]43990[#]3.79% variable4.99% variable4.6% APRC80% including fees£150£1,250
3.99% Contractor remortage 3 year discount of 1.00% from our SVR [DC13][#]43990[#]3.99% variable4.99% variable4.7% APRC90% including fees£150£1,000

Self Build

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
4.59% Build Loan 2 year discount of 0.40% from our SVR [SB03][#]43991[#]4.59% variable4.99% variable5.5% APRC85% for land and 85% at each stage 80% on release of funds£500£1999
4.59% Build Store 2 year discount of 0.40% from our SVR [SB04][#]43991[#]4.59% variable4.99% variable5.6% APRC85% for land and 85% at each stage 80% on release of funds£500 plus £95 to Buildstore£1,500
4.59% Self Build 2 year discount of 0.40% from our SVR [SB05][#]43991[#]4.59% variable4.99% variable5.2% APRC85% for land and 85% at each stage 80% on release of funds£500£1500
4.34% 2 year discount of 0.65% from our SVR [SB06][#]43991[#]4.34% variable4.99% variable5.2% APRC85% for land and 85% at each stage 80% on release of funds£150£1999

Shared Ownership

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
4.29% fixed rate to 30th June 2020 [FS02][#]43993[#]4.29% fixed4.99% variable5.0% APRC90% of the share being purchased£150£350
3.79% 2 year discount of 1.20% from SVR [DS02][#]43993[#]3.79%4.99% variable4.6% APRC90% of the share being purchased£150£350
4.29% Shared Ownership fixed rate to 31st January 2019 [FS01][#]43993[#]4.29% fixed4.99% variable5.0% APRC90% including fees of the customers share of the property between 25% and 75%£150£295 not including CENSEO's fees
3.79% Shared Ownership 2 year discount of 1.20% from SVR [DS01][#]43993[#]3.79% variable4.99% variable4.8% APRC90% including fees and the customers share of the property between 25% and 75% £150£295 not including CENSEO's fees

Over 50's

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
3.49% 3 year discount of 1.50% from SVR [DO01][#]47380[#]3.49% variable4.99% variable4.5% APRC60%£150£850
3.89% Fixed rate to 30th November 2020 [FO01][#]47380[#]3.89%4.99% variable4.8% APRC60%£150£850

HOLD

Product NamecategoriesInitial RateChanging to our SVR, currentlyThe overall cost for comparison isMaximum LTVApplication FeeProduct Fee
4.12% HOLD variable rate tracker SMI rate currently 3.12% + 1.00% [HLD1][#]43994[#]4.12% variable (the DWP's Support for Mortgage Interest Rate, currently 3.12%, plus 1.00%-4.4% APRC90% including fees£150£2,000