Shared Ownership 75% LTV Fixed Rate Mortgage

  • You'll know exactly what your payments are each month during the fixed period
  • You have the certainty of a fixed interest rate
  • You're able to borrow up to 75% of the value or purchase price of your property (LTV)
  • You're able to borrow up to a maximum of £250,000
  • Shared ownership mortgage 
  • Wales only



3.70% p.a.

Until 31/12/2024, then changing to our Standard Variable Rate (SVR)

4.6% APRC

The overall cost for comparison

5.05% p.a.

Our current Standard Variable Rate (SVR)


Maximum Loan to Value (LTV)

Product Fee £0
Mortgage Commitment Fee £0
Early Repayment Charge Please click on the Fees & Charges tab for details.
Maximum Loan £250,000
Important information

Important information

  1. This fixed rate mortgage is available for owner-occupied residential properties in Wales only.
  2. This fixed rate mortgage is a limited offer and can be withdrawn at any time.
  3. Although the interest rate will not rise before the end of the fixed rate period, other factors may result in your payments increasing before this date e.g. unpaid amounts being debited to your account.

  • Drawdown
    There is no drawdown facility with this product.
  • Payment holiday
    There is no payment holiday facility with this product.
  • Overpayment
    There is an overpayment facility with this product.
  • Underpayment
    There is no underpayment facility with this product.
  • Borrow back
    There is no borrow back facility with this product.
Fees & charges

Fee, charges and incentives

  • Product fees
  • Valuation fees
    There is no free valuation with this product.
  • Legal fees
    There is no help with legal fees on this product.
  • Mortgage Commitment Fee
    There is no Mortgage Commitment Fee.
  • Early Repayment Charges
    You will incur an early repayment charge of 5% of the amount repaid if you repay in full on or before 31/12/2021, 3% of the amount repaid if you repay in full after 31/12/2021 and on or before 31/12/2023 and 1% of the amount repaid if you repay in full after 31/12/2023 and on or before 31/12/2024.
  • Cashback
    There is no cashback facility with this product.
Other services

Water leak in the house Insurance

Get a quote online – valid for 30 days

A mortgage of £125,000 payable over 33 years initially on a fixed rate for 5 years at 2.10% and then on our standard variable rate of 5.05% (variable) for the remaining 28 years would require 60 monthly payments of £437.83 and 336 monthly payments of £618.65. The total amount payable would be £234,321.20 made up of the loan amount plus interest (£109,321.20) and a product fee (£0.00) and valuation fee (£0.00). The overall cost for comparison is 4.1% APRC representative.

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