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The following is a representative example based on a mortgage of £230,000.00 payable over 25 years initially on a discounted variable rate of 5.84% for 2 years, a further discounted rate of 7.34% for 4 years, followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,459.48, 48 payments of £1,663.00 and 228 monthly payments of £1,89.43.

The total amount payable would be £531,055.56 made up of the loan amount plus interest of £299,681.56 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£275.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.0% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a discounted variable rate of 6.84% for 2 years, a further discounted rate of 7.34% for 4 years, followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,602.19, 48 payments of £1,671.79 and 228 payments of £1,829.05.

The total amount payable would be £537,045.88 made up of the loan amount plus interest of £311,250.43 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.2% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £230,000.00 payable over 25 years initially on a discounted variable rate of 5.84% for 2 years, a further discounted rate of 7.34% for 4 years, followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,459.48, 48 payments of £1,663.00 and 228 monthly payments of £1,819.43.

The total amount payable would be £531,055.56 made up of the loan amount plus interest of £299,681.56 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£275.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.0% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a discounted variable rate of 6.84% for 2 years, a further discounted rate of 7.34% for 4 years, followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,602.19, 48 payments of £1,671.79 and 228 payments of £1,829.05.

The total amount payable would be £537,045.88 made up of the loan amount plus interest of £311,250.43 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.2% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a discounted variable rate of 5.25% for 2 years, a further discounted variable rate of 7.34% for 4 years, followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,378.27, 48 payments of £1,657.32 and 228 monthly payments of £1,813.22.

The total amount payable would be £527,418.00 made up of the loan amount plus interest of £296,044.00 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£275.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 7.8% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a discounted variable rate of 5.35% for 2 years, a further discounted variable rate of 7.34% for 4 years, followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,391.87, 48 payments of £1,658.31 and 228 monthly payments of £1,814.30.

The total amount payable would be £527,988.16 made up of the loan amount plus interest of £296,664.16 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 7.9% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a discounted variable rate of 5.50% for 2 years, a further discounted variable rate of 7.34% for 4 years, followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,412.40, 48 payments of £1,659.77 and 228 monthly payments of £1,815.90.

The total amount payable would be £528,915.76 made up of the loan amount plus interest of £297,591.76 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 7.9% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £230,000.00 payable over 25 years initially on a discounted variable rate of 5.80% for 2 years, a further discounted variable rate of 7.34% for 4 years, followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,453.90, 48 payments of £1,662.62 and 228 monthly payments of £1,819.02.

The total amount payable would be £530,759.92 made up of the loan amount plus interest of £299,435.92 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.0% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £230,000.00 payable over 25 years initially on a discounted variable rate of 6.35% for 2 years, a further discounted variable rate of 7.34% for 4 years, followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,531.49, 48 payments of £1,667.61 and 228 monthly payments of £1,824.47.

The total amount payable would be £534,079.20 made up of the loan amount plus interest of £302,780.20 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.1% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The overall cost for comparison is 7.8% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 5.84% for 2 years, a further discounted variable rate of 7.34% for 4 years, followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,015.29, 48 payments of £1,156.87 and 228 monthly payments of £1,265.69.

The total amount payable would be £370,098.04 made up of the loan amount plus interest of £208,474.04 and the following costs, a Scheme Fee of (£1,299.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.0% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a discounted variable rate of 6.99% for 2 years, a further discounted variable rate of 7.34% for 4 years, followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,529.74, 48 payments of £1,575.80 and 228 monthly payments of £1,724.03.

The total amount payable would be £507,030.00 made up of the loan amount plus interest of £288,797.00 and the following costs, a Scheme Fee of (£1,299.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.2% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634.00 payable over 25 years initially on a discounted variable rate of 6.04% for 2 years, a further discounted variable rate of 7.34% for 4 years, followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,401.08, 48 payments of £1,568.09 and 228 monthly payments of £1,715.59.

The total amount payable would be £501,722.76 made up of the loan amount plus interest of £283,414.76 and the following costs, a Scheme Fee of (£1,299.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£275.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.0% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634.00 payable over 25 years initially on a discounted variable rate of 7.34% for 2 years, a further variable discounted rate of 7.34% for 4 years, followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,578.48, 48 payments of £1,578.43 and 228 monthly payments of £1,726.91.

The total amount payable would be £509,006.44 made up of the loan amount plus interest of £290,748.44 and the following costs, a Scheme Fee of (£1,299.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.3% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634.00 payable over 25 years initially on a discounted variable rate of 6.04% for 2 years, a further discounted variable rate of 7.34% for 4 years, followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,487.52, 48 payments of £1,664.84 and 228 monthly payments of £1,821.44.

The total amount payable would be £531,800.12 made up of the loan amount plus interest of £300,901.12 and the following costs, a Scheme Fee of (£599.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.0% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634.00 payable over 25 years initially on a discounted variable rate of 6.29% for 2 years, a further discounted variable rate of 7.34% for 4 years, followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,434.43, 48 payments of £1,570.20 and 228 monthly payments of £1,717.90.

The total amount payable would be £502,376.12 made up of the loan amount plus interest of £284,843.12 and the following costs, a Scheme Fee of (£599.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.0% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £200,000 payable over 25 years initially on a discounted variable rate of 5.95% for 2 years, a further discounted variable rate of 7.34% for 4 years, followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,282.50, 48 payments of £1,446.97 and 228 monthly payments of £1,583.08. This example assumes the repayment method is capital and interest.

The total amount payable would be £463,536.80 made up of the loan amount plus interest of £261,176.80 and the following costs, a Scheme Fee of (£1,000.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£565.00), a Packager's Fee (£695.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.1% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £200,000 payable over 25 years initially on a discounted variable rate of 6.50% for 2 years, a further discounted variable rate of 7.34% for 4 years, followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,350.41, 48 payments of £1,451.23 and 228 monthly payments of £1,587.74. This example assumes the repayment method is capital and interest.

The total amount payable would be £466,987.60 made up of the loan amount plus interest of £264,073.60 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£565.00), a Packager's Fee (£695.00), and Application Fee (£115.00) and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.2% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £700,000 payable over 25 years initially on a discounted variable rate of 6.60% for 2 years, a further discounted variable rate of 7.34% for 4 years, followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £4,770.28 payments of £5,081.91 and 228 monthly payments of £5,559.96. This example assumes the repayment method is capital and interest.

The total amount payable would be £1,631,444.28 made up of the loan amount plus interest of £926,089.28 and the following costs, a Scheme Fee of (£3,500), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£945.00), a Packager's Fee (£695.00), and Application Fee (£115.00) and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.2% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £200,000 over 25 years initially on a discounted rate of 7.44% for 2 years followed by our Standard Variable Rate of 8.59%. This example you would make 24 monthly payments of £1,470.19 and 276 payments of £1,614.64. This example assumes the repayment method is capital and interest.

The total amount payable would be £482,225.20 made up of the loan amount, plus interest of £280,925.20, a Funds Transfer Fee (£25.00), Valuation fee (£505.00), a Buildloan Arrangement fee (£695.00), and a Mortgage Exit Administration fee (£75.00).

The overall cost for comparison is 8.7% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

Initial Interest Rate: The following is a representative example based on a mortgage of £200,000 payable over 25 years initially on a discounted variable rate of 7.14% for 2 years, a further discounted variable rate of 7.34% for 4 years, followed by our Standard Variable Rate of 8.74%. In this example you would make 24 monthly payments of £1,431.47, 48 payments of £1,455.86 and 228 monthly payments of £1,592.80. This example assumes the repayment method is capital and interest.

The total amount payable would be £470,193.96 made up of the loan amount plus interest of £267,394.96 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£505.00), a Packager's Fee (£695.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.3% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £200,000 over 25 years initially on a discounted rate of 7.84% for 2 years followed by our Standard Variable Rate of 8.59%. This example you would make 24 monthly payments of £1,522.49 and 276 payments of £1,617.54. This example assumes the repayment method is capital and interest.

The total amount payable would be £484,280.80 made up of the loan amount, plus interest of £282,980.80, a Funds Transfer Fee (£25.00), Valuation fee (£505.00), a Buildloan Arrangement fee (£695.00), and a Mortgage Exit Administration fee (£75.00).

The overall cost for comparison is 8.8% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a discounted variable rate of 5.94% for 2 years, a further discounted variable rate of 7.34% for 4 years, followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,473.47, 48 payments of £1,663.92 and 228 monthly payments of £1,820.44.

The total amount payable would be £531,590.76 made up of the loan amount plus interest of £300,291.76 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.0% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a fixed rate of 5.49% until 30th November 2026, a further discounted rate of 7.34% until 30th November 2030, followed by our Standard Variable Rate of 8.59%. In this example you would make 27 monthly payments of £1,329.03, 48 payments of £1,561.27 and 225 monthly payments of £1,706.71.

The total amount payable would be £496,133.52 made up of the loan amount plus interest of £278,200.52 and the following costs, a Scheme Fee (£999), a Chaps fee (£25.00), a standard Valuation fee (£200.00) and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 7.80% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634.00 payable over 25 years initially on a discounted variable rate of 6.99% for 2 years, a further discounted variable rate of 7.34% for 4 years, followed by our Standard Variable Rate of 8.59%. In this example you would 24 monthly payments of £1,624.13, 48 payments of £1,673.02 and 228 monthly payments of £1,830.40.

The total amount payable would be £537,564.28 made up of the loan amount plus interest of £306,615.28 and the following costs, a Scheme Fee of (£599.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£250.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.2% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634.00 payable over 25 years initially on a discounted variable rate of 6.99% for 2 years, a further discounted variable rate of 7.34% for 4 years, followed by our Standard Variable Rate of 8.59%. In this example you would 24 monthly payments of £1,624.13, 48 payments of £1,673.02 and 228 monthly payments of £1,830.40.

The total amount payable would be £537,564.28 made up of the loan amount plus interest of £306,615.28 and the following costs, a Scheme Fee of (£599.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£250.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.2% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 5.70% for 2 years followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,001.74 followed by 276 monthly payments of £1,280.23.

The total amount payable would be £379,209.24 made up of the loan amount plus interest of £217,385.24 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.4% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 5.70% for 2 years followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,001.74 followed by 276 monthly payments of £1,280.23.

The total amount payable would be £379,209.24 made up of the loan amount plus interest of £217,385.24 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.4% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 5.99% for 2 years followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,029.90 followed by 276 monthly payments of £1,282.31.

The total amount payable would be £380,434.16 made up of the loan amount plus interest of £218,635.16 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.5% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 5.99% for 2 years followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,029.90 followed by 276 monthly payments of £1,282.31.

The total amount payable would be £380,434.16 made up of the loan amount plus interest of £218,635.16 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.5% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 6.59% for 2 years followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,089.35 followed by 276 monthly payments of £1,286.39.

The total amount payable would be £382,962.04 made up of the loan amount plus interest of £221,188.04, and the following costs, a Scheme Fee of (£1499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£175), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.6% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 6.84% for 2 years followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,114.57 followed by 276 monthly payments of £1,288.02.

The total amount payable would be £384,042.20 made up of the loan amount plus interest of £222,243.20 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.7% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 6.84% for 2 years followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,114.57 followed by 276 monthly payments of £1,288.02.

The total amount payable would be £384,042.20 made up of the loan amount plus interest of £222,243.20 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.7% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 5.70% for 2 years followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,001.74 followed by 276 monthly payments of £1,280.23.

The total amount payable would be £379,209.24 made up of the loan amount plus interest of £217,385.24 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.4% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 5.99% for 2 years followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,029.90 followed by 276 monthly payments of £1,282.31.

The total amount payable would be £380,434.16 made up of the loan amount plus interest of £218,635.16 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.5% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 6.59% for 2 years followed by our Standard Variable Rate of 8.59%.  In this example you would make 24 monthly payments of £1,089.35 followed by 276 monthly payments of £1,286.39.

The total amount payable would be £382,987.04 made up of the loan amount plus interest of £221,188.04 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.6% APRC representative.

 Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634.00 payable over 25 years initially on a discounted variable rate of 6.04% for 2 years, a further discounted variable rate of 7.34% for 4 years, followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,487.52, 48 payments of £1,664.84 and 228 monthly payments of £1,821.44.

The total amount payable would be £531,800.12 made up of the loan amount plus interest of £300,901.12 and the following costs, a Scheme Fee of (£599.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.0% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 6.59% for 2 years followed by our Standard Variable Rate of 8.59%.  In this example you would make 24 monthly payments of £1,089.35 followed by 276 monthly payments of £1,286.39.

The total amount payable would be £382,962.04 made up of the loan amount plus interest of £221,188.04 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£175), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.6% APRC representative.

 Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £160,000 payable over 25 years initially on a discounted variable rate of 6.84% for 2 years followed by our Standard Variable Rate of 8.59%.  In this example you would make 24 monthly payments of £1,114.57 followed by 276 monthly payments of £1,288.02.

The total amount payable would be £384,042.20 made up of the loan amount plus interest of £222,243.20 and the following costs, a Scheme Fee of (£1,499.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£200.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.7% APRC representative.

 Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a discounted variable rate of 6.14% for 2 years, a further discounted variable rate of 7.34% for 4 years, followed by our Standard Variable Rate of 8.59%. In this example you would make 24 monthly payments of £1,501.64, 48 payments of £1,665.74 and 228 monthly payments of £1,822.43.

The total amount payable would be £532,832.92 made up of the loan amount plus interest of £301,508.92 and the following costs, a Scheme Fee of (£999.00), a Chaps/Telegraphic Transfer fee (£25.00), a Valuation Fee (£225.00), and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 8.0% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a fixed rate of 5.39% until 31st March 2027, a further discounted rate of 7.34% until 31st January 2031, followed by our Standard Variable Rate of 8.59%. In this example you would make 30 monthly payments of £1,397.33, 48 payments of £1,654.28 and 222 monthly payments of £1,806.87.

The total amount payable would be £524,025.48 made up of the loan amount plus interest of £292,450.48 and the following costs, a Scheme Fee (£1,250.00), a Chaps fee (£25.00), a standard Valuation fee (£225.00) and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 7.70% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £230,000 payable over 25 years initially on a fixed rate of 5.99% until 31st March 2027, a further discounted rate of 7.34% until 31st January 2031, followed by our Standard Variable Rate of 8.59%. In this example you would make 29 monthly payments of £1,480.49, 48 payments of £1,661.91 and 223 monthly payments of £1,815.72.

The total amount payable would be £528,910.45 made up of the loan amount plus interest of £297,611.45 and the following costs, a Scheme Fee (£999.00), a Chaps fee (£25.00), a standard Valuation fee (£200.00) and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 7.90% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634 payable over 25 years initially on a fixed rate of 5.04% until 28th February 2027, a further discounted rate of 7.34% until 28th February 2031, followed by our Standard Variable Rate of 8.59%. In this example you would make 30 monthly payments of £1,271.47, 48 payments of £1,554.03 and 222 monthly payments of £1,697.37.

The total amount payable would be £489,928.68 made up of the loan amount plus interest of £272,919.68 and the following costs,  a CHAPS fee (£25.00), a standard Valuation fee (£275.00) and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 7.60% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.

The following is a representative example based on a mortgage of £216,634.00 payable over 25 years initially on a fixed rate of 5.44% until 28th February 2027, a further discounted rate of 7.34% until 28th February 2031, followed by our Standard Variable Rate of 8.59%. In this example you would make 30 monthly payments of £1,322.57, 48 payments of £1,558.72 and 222 monthly payments of £1,702.50.

The total amount payable would be £492,775.66 made up of the loan amount plus interest of £275,816.66 and the following costs, a Chaps fee (£25.00), a standard Valuation fee (£225.00) and a Mortgage Exit Administration Fee (£75.00).

The overall cost for comparison is 7.70% APRC representative.

Note: What you will pay may vary from this and will depend on your personal circumstances.