For us to apply the C-Change sustainable homes or C-Change retrofit, once your work is complete you need to provide an Energy Standard certificate and, if applicable an Architect or Building Control certificate. Or, for us to apply the C-Change energy improvement discount, please send us all invoices for qualifying works.
The discounts are only applied to our Variable Rate from the date we receive evidence that the work has been completed and, if applicable, the Energy Standard rating required has been achieved.
How we work out your buy-to-let Variable Mortgage Rate:
Buy-to-let Variable Rate (VR) minus C-Change discount = Variable Mortgage Rate
When your conversion works are complete and you provide us with the required evidence, we will either apply the C-Change sustainable homes discount or C-Change energy improvements discount, depending on the discount your project qualifies for.
For us to apply the C-Change sustainable homes discount, you need to provide an Energy Standard certificate and Architect or Building Control certificate. We will apply the applicable C-Change sustainable homes discount to our Standard Variable Rate from the date we receive evidence that the work has been completed and the Energy Standard rating required has been achieved.
For us to apply the C-Change energy improvements discount, please supply us with invoices for qualifying works. We will apply the applicable C-Change energy improvements discount to our Standard Variable Rate from the date we receive the required invoices.
How we work out your Variable Mortgage Rate:
Standard Variable Rate (SVR) minus C-Change Discount = Variable Mortgage Rate
|Value of property not exceeding||Fee
|Up to each £50,000 thereafter add||£30
Please note these fees apply to residential and buy-to-let applications. Valuation fees include VAT. In all other instances, the fee required will be determined on a case-by-case basis.
A non-refundable mortgage application fee of £300 is payable in addition to a mortgage valuation fee.
Early repayment charge
An early repayment charge may be payable if you repay all or part of your mortgage within the first two years.
Our service, fees, tariffs and charges
The Society reserves the right to amend existing services and charges, or to introduce new ones.
Any change to charges will only reflect the increased operational costs of providing the service. You will always be notified before any changes are implemented.
For further details and tariff information please see Our rates and charges leaflet.
The minimum deposit is £250
You can save monthly by Direct Debit or standing order
Deposits can be made by the Scheme Administrator by cheque through the post or transfer via the banking system