Our Specialist mortgages are suitable for individuals whose unusual or complex circumstances mean they are not able to secure a standard mortgage. This could include those with irregular income, employment, credit imperfections or unique types of properties. We consider each applicant’s individual circumstances before making a decision.
Our Specialist mortgages are available for first time buyers and applicants looking to purchase a new home or for those looking to remortgage. They are not available for existing customers who are renewing their mortgage with us or those looking to borrow more.
As Specialist mortgages consider unusual or complex circumstances, they have a higher interest rate. This means they are not suitable for applicants who meet the criteria of our standard or niche mortgage products.
HVF5
Initial interest rate
Fixed for 2 years from date of completion.
6.59% fixed
Max Loan to Value (LTV)
Maximum loan to value available:
80%
Product Fees
£999 (non-refundable)
Overall Cost for Comparison
The overall cost for comparison
7.6% APRC representative
F242
Initial interest rate
Fixed until 31/03/30 from date of completion.
6.35% fixed
Max Loan to Value (LTV)
Maximum loan to value available:
90%
Product Fees
£999 (non-refundable)
Overall Cost for Comparison
The overall cost for comparison
7.3% APRC representative
F244
Initial interest rate
Fixed until 31/03/30 from date of completion.
6.15% fixed
Max Loan to Value (LTV)
Maximum loan to value available:
80%
Product Fees
£999 (non-refundable)
Overall Cost for Comparison
The overall cost for comparison
7.2% APRC representative
HVF6
Initial interest rate
Fixed for 2 years from date of completion.
6.79% fixed
Max Loan to Value (LTV)
Maximum loan to value available:
90%
Product Fees
£999 (non-refundable)
Overall Cost for Comparison
The overall cost for comparison
7.7% APRC representative
HVD2
Initial interest rate
1.54% discount off the Society's Homeowner Variable Rate for 2 years. Will not go below a floor of 2.25%.
6.00% variable
Max Loan to Value (LTV)
Maximum loan to value available:
80%
Product Fees
£999 (non-refundable)
Overall Cost for Comparison
The overall cost for comparison
7.5% APRC representative
HVD6
Initial interest rate
1.35% discount off the Society's Homeowner Variable Rate for 2 years. Will not go below a floor of 2.25%.
6.19% variable
Max Loan to Value (LTV)
Maximum loan to value available:
90%
Product Fees
£999 (non-refundable)
Overall Cost for Comparison
The overall cost for comparison
7.5% APRC representative
