Our Intermediary Products

Residential Transfers

Residential 2 Year Discount

Current Pay Rate

4.49%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

55.00%

Loan Amount

Product Fee

£0.00

ERCs

2% Years 1 & 2

Residential Transfers

Residential 3 Year Discount

Current Pay Rate

4.49%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

55.00%

Loan Amount

Product Fee

£0.00

ERCs

2% Years 1, 2 & 3

Residential

2 YEAR DISCOUNT

Current Pay Rate

4.64%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

55.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£995.00

ERCs

3% Year 1; 2% Year 2

Submit

Residential Transfers

Residential 3 Year Discount

Current Pay Rate

4.69%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

70.00%

Loan Amount

Product Fee

£0.00

ERCs

2% Years 1, 2 & 3

Residential Transfers

Residential 2 Year Discount

Current Pay Rate

4.69%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

70.00%

Loan Amount

Product Fee

£0.00

ERCs

2% Years 1 & 2

Residential

2 YEAR DISCOUNT

Current Pay Rate

4.84%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

70.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£995.00

ERCs

3% Year 1; 2% Year 2

Submit

Residential Transfers

Residential 2 Year Discount

Current Pay Rate

4.89%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

N/A

Loan Amount

Product Fee

£0.00

ERCs

2% Years 1 & 2

Residential Transfers

Residential 3 Year Discount

Current Pay Rate

4.89%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

N/A

Loan Amount

Product Fee

£0.00

ERCs

2% Years 1, 2 & 3

BTL & Holiday Let Transfers

BTL & Holiday Let 2 Year Discount

Current Pay Rate

4.98%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

N/A

Loan Amount

Product Fee

£0.00

ERCs

2% Years 1 & 2

BTL & Holiday Let Transfers

BTL & Holiday Let 3 Year Discount

Current Pay Rate

4.98%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

N/A

Loan Amount

Product Fee

£0.00

ERCs

2% Years 1, 2 & 3

Residential

2 YEAR DISCOUNT

Current Pay Rate

5.04%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£995.00

ERCs

3% Year 1; 2% Year 2

Submit

Residential Transfers

Residential Fixed to 29th August 2031

Current Pay Rate

5.06%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

55.00%

Loan Amount

Product Fee

£0.00

ERCs

5% Year 1 / 4% Year 2 / 3% Year 3 / 3% Year 4 / 2% Year 5

Residential Transfers

Residential Fixed to 31st August 2028

Current Pay Rate

5.09%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

55.00%

Loan Amount

Product Fee

£0.00

ERCs

3% Year 1, 2% Year 2

Residential Large Loan

2 YEAR DISCOUNT

Current Pay Rate

5.09%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£1,250,001 – £3,500,000

Product Fee

£1,500.00

ERCs

3% Year 1; 2% Year 2

Submit

Holiday Let (Standard)

2 YEAR DISCOUNT

Current Pay Rate

5.13%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£995.00

ERCs

3% Year 1; 2% Year 2

Submit

Residential Transfers

Residential Fixed to 29th August 2031

Current Pay Rate

5.21%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

70.00%

Loan Amount

Product Fee

£0.00

ERCs

5% Year 1 / 4% Year 2 / 3% Year 3 / 3% Year 4 / 2% Year 5

Residential

FIXED

Fixed until 29/08/2031

Current Pay Rate

5.21%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

55.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£995.00

ERCs

5% Year 1; 4% Year 2; 3% Year 3; 3% Year 4; 2% Year 5

Submit

Residential Transfers

Residential Fixed to 31st August 2028

Current Pay Rate

5.24%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

70.00%

Loan Amount

Product Fee

£0.00

ERCs

3% Year 1, 2% Year 2

Residential

FIXED

Fixed until 31/08/2028

Current Pay Rate

5.24%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

55.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£995.00

ERCs

3% Year 1; 2% Year 2

Submit

Residential

FIXED

Fixed until 29/08/2031

Current Pay Rate

5.36%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

70.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£995.00

ERCs

5% Year 1; 4% Year 2; 3% Year 3; 3% Year 4; 2% Year 5

Submit

Residential

FIXED

Fixed until 31/08/2028

Current Pay Rate

5.39%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

70.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£995.00

ERCs

3% Year 1; 2% Year 2

Submit

Self-Build

2 YEAR DISCOUNT

Available only via Mayflower Mortgage & Finance

Current Pay Rate

5.39%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

65.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£1,500.00

ERCs

2% Year 1 & 2

Submit

Residential Transfers

Residential Fixed to 29th August 2031

Current Pay Rate

5.41%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

N/A

Loan Amount

Product Fee

£0.00

ERCs

5% Year 1 / 4% Year 2 / 3% Year 3 / 3% Year 4 / 2% Year 5

Residential Transfers

Residential Fixed to 31st August 2028

Current Pay Rate

5.44%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

N/A

Loan Amount

Product Fee

£0.00

ERCs

3% Year 1, 2% Year 2

Self-Build

2 YEAR DISCOUNT

Current Pay Rate

5.49%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

65.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£1,500.00

ERCs

2% Year 1 & 2

Submit

Residential

FIXED

Fixed until 29/08/2031

Current Pay Rate

5.56%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£995.00

ERCs

5% Year 1; 4% Year 2; 3% Year 3; 3% Year 4; 2% Year 5

Submit

Residential

FIXED

Fixed until 31/08/2028

Current Pay Rate

5.59%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£995.00

ERCs

3% Year 1; 2% Year 2

Submit

Self-Build

2 YEAR DISCOUNT

Available only via Mayflower Mortgage & Finance

Current Pay Rate

5.59%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £2,000,000

Product Fee

£1,500.00

ERCs

2% Year 1 & 2

Submit

Residential Large Loan

FIXED

Fixed until 29/08/2031

Current Pay Rate

5.60%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£1,250,001 – £3,500,000

Product Fee

£1,500.00

ERCs

5% Year 1; 4% Year 2; 3% Year 3; 3% Year 4; 2% Year 5

Submit

Residential Large Loan

FIXED

Fixed until 31/08/2028

Current Pay Rate

5.63%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£1,250,001 – £3,500,000

Product Fee

£1,500.00

ERCs

3% Year 1; 2% Year 2

Submit

BTL & Holiday Let Transfers

BTL & Holiday Let Fixed to 29th August 2031

Current Pay Rate

5.65%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

N/A

Loan Amount

Product Fee

£0.00

ERCs

5% Year 1 / 4% Year 2 / 3% Year 3 / 3% Year 4 / 2% Year 5

Residential

FIXED

Fixed until 29/08/2031

Current Pay Rate

5.67%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

85.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£995.00

ERCs

5% Year 1; 4% Year 2; 3% Year 3; 3% Year 4; 2% Year 5

Submit

BTL & Holiday Let Transfers

BTL & Holiday Let Fixed to 31st August 2028

Current Pay Rate

5.68%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

N/A

Loan Amount

Product Fee

£0.00

ERCs

3% Year 1, 2% Year 2

Self-Build

2 YEAR DISCOUNT

Current Pay Rate

5.69%

variable

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £2,000,000

Product Fee

£1,500.00

ERCs

2% Year 1 & 2

Submit

Buy-To-Let (Standard)

FIXED

Fixed until 29/08/2031

Current Pay Rate

5.80%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£995.00

ERCs

5% Year 1; 4% Year 2; 3% Year 3; 3% Year 4; 2% Year 5

Submit

Residential

FIXED

Fixed until 31/08/2028

Current Pay Rate

5.82%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

85.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£995.00

ERCs

3% Year 1; 2% Year 2

Submit

Buy-To-Let (Standard)

FIXED

Fixed until 31/08/2028

Current Pay Rate

5.83%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£995.00

ERCs

3% Year 1; 2% Year 2

Submit

Buy-To-Let (Standard)

FIXED

Fixed until 29/08/2031

Current Pay Rate

5.85%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£1,250,001 – £2,000,000

Product Fee

£1,500.00

ERCs

5% Year 1; 4% Year 2; 3% Year 3; 3% Year 4; 2% Year 5

Submit

Buy-To-Let (Standard)

FIXED

Fixed until 31/08/2028

Current Pay Rate

5.88%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£1,250,001 – £2,000,000

Product Fee

£1,500.00

ERCs

3% Year 1; 2% Year 2

Submit

Limited Company BTL & Holiday Let

FIXED

Fixed until 29/08/2031

Current Pay Rate

5.90%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£1,500.00

ERCs

5% Year 1; 4% Year 2; 3% Year 3; 3% Year 4; 2% Year 5

Submit

Limited Company BTL & Holiday Let

FIXED

Fixed until 31/08/2028

Current Pay Rate

5.93%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£1,500.00

ERCs

3% Year 1; 2% Year 2

Submit

Limited Company BTL & Holiday Let

FIXED

Fixed until 29/08/2031

Current Pay Rate

5.95%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£1,250,001 – £3,000,000

Product Fee

£1,500.00

ERCs

5% Year 1; 4% Year 2; 3% Year 3; 3% Year 4; 2% Year 5

Submit

Limited Company BTL & Holiday Let

FIXED

Fixed until 31/08/2028

Current Pay Rate

5.98%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£1,250,001 – £3,000,000

Product Fee

£1,500.00

ERCs

3% Year 1; 2% Year 2

Submit

Holiday Let (Standard)

FIXED

Fixed until 29/08/2031

Current Pay Rate

6.06%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£995.00

ERCs

5% Year 1; 4% Year 2; 3% Year 3; 3% Year 4; 2% Year 5

Submit

Holiday Let (Standard)

FIXED

Fixed until 31/08/2028

Current Pay Rate

6.09%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£150,000 – £1,250,000

Product Fee

£995.00

ERCs

3% Year 1, 2% Year 2

Submit

Holiday Let (Standard)

FIXED

Fixed until 29/08/2031

Current Pay Rate

6.13%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£1,250,001 – £2,000,000

Product Fee

£1,500.00

ERCs

5% Year 1; 4% Year 2; 3% Year 3; 3% Year 4; 2% Year 5

Submit

Holiday Let (Standard)

FIXED

Fixed until 31/08/2028

Current Pay Rate

6.16%

fixed

Followed by our Standard Variable Rate

7.49%

Maximum LTV

75.00%

Loan Amount

£1,250,001 – £2,000,000

Product Fee

£1,500.00

ERCs

3% Year 1, 2% Year 2

Submit

Industry

MAY 26, 2026

Member Notice – Harpenden Online scheduled maintenance

Community

MAY 20, 2026

Jon’s Savings Blog – ISA Changes in 2027

There’s a famous saying: “The best time to plant a tree was 20 years ago. The second‑best time is now.” Well, when it comes to ISAs… the tree is about…

Industry

APR 22, 2026

Member Notice – Staff training 23rd April

A Q&A with our CEO Tracie

Here’s a quick Q&A from our CEO Tracie Meadows diving into our new rebrand.

Industry

JAN 22, 2026

We celebrate our new branch opening in Harpenden

We are thrilled to announce the launch of our brand-new branch, located right on the High Street, in one of the busiest areas of Harpenden. The doors opened on the…

Industry

DEC 01, 2025

FSCS protection limit increase

The Financial Services Compensation Scheme (FSCS) has increased the protection limit from £85,000 to £120,000 from 1st December 2025. This means if you hold deposits or savings with a building society,…

Community

OCT 15, 2025

Jon’s savings blog – The importance of talking about money

Money. It’s not going away, and it’s one of the most essential parts of our lives, and yet, for many, it’s still one of the hardest things to talk about….

Community

OCT 14, 2025

Our latest volunteering

Watling View For the third year running, eleven colleagues from across the Society visited Watling View School in St Albans for a day this summer to help give their facilities a…

Our Intermediary Products

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Residential 2 Year Discount

Residential 3 Year Discount

2 YEAR DISCOUNT

Residential 3 Year Discount

Residential 2 Year Discount

2 YEAR DISCOUNT

Residential 2 Year Discount

Residential 3 Year Discount

BTL & Holiday Let 2 Year Discount

BTL & Holiday Let 3 Year Discount

2 YEAR DISCOUNT

Residential Fixed to 29th August 2031

Residential Fixed to 31st August 2028

2 YEAR DISCOUNT

2 YEAR DISCOUNT

Residential Fixed to 29th August 2031

FIXED

Residential Fixed to 31st August 2028

FIXED

FIXED

FIXED

2 YEAR DISCOUNT

Residential Fixed to 29th August 2031

Residential Fixed to 31st August 2028

2 YEAR DISCOUNT

FIXED

FIXED

2 YEAR DISCOUNT

FIXED

FIXED

BTL & Holiday Let Fixed to 29th August 2031

FIXED

BTL & Holiday Let Fixed to 31st August 2028

2 YEAR DISCOUNT

FIXED

FIXED

FIXED

FIXED

FIXED

FIXED

FIXED

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FIXED

FIXED

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Latest News

Member Notice – Harpenden Online scheduled maintenance

Jon’s Savings Blog – ISA Changes in 2027

Member Notice – Staff training 23rd April

A Q&A with our CEO Tracie

We celebrate our new branch opening in Harpenden

FSCS protection limit increase

Jon’s savings blog – The importance of talking about money

Our latest volunteering