Repayment Mortgages

Simple and straightforward

With a Repayment Mortgage, your monthly payments cover the interest you owe and a little of the money you borrowed. As time goes by, and your overall debt gets smaller, the amount you owe in interest reduces, so more of your payment comes off what you borrowed. 

Key features

  • borrow a minimum of £10,000 for 2 to 40 years

  • keep up your repayments and you’ll be mortgage free at the end of the term

  • save on interest and pay off your mortgage faster with unlimited overpayments (Early Repayment Charges may apply).

Things to bear in mind

Depending on your interest rate, Early Repayment Charges may apply if you choose to fully repay your mortgage.

We don’t lend for business purposes or Buy to Let.

Ready to apply?

See how much you could borrow, as well as potential rates, and how changes to your mortgage could affect your repayments – and let’s find you the perfect mortgage.

Find a mortgage for you

Think carefully before securing other debts against your home. Your home may be repossessed if you don't keep up repayments on your mortgage.

Our other mortgages…

Do you want to fix your rate?

Know exactly what you’re paying each month with our Fixed Rate Mortgage. You can fix your rate for an agreed time, such as 2 or 5 years.
Fixed rate mortgages

Want some flexibility?

Make unlimited overpayments with no Early Repayment Charges with our Standard Variable Rate Mortgage. The interest rate is set by us and may change from time to time.
Standard variable rate