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Current Variable Rate Mortgage Products

Financing the biggest purchase most of us will ever make.

We currently offer mortgage products of up to 95% of the value of the property (which can increase to 100% for right to buy properties). We only issue mortgage products through an IFA (Independent Financial Adviser), who is responsible for advising any potential borrower on the suitability of the mortgage. Mortgages can be repaid over up to 25 years.

The interest rates for Mortgage products are determined by the Loan to Value:

  • 1.75% for 50% mortgages and under
  • 2.75% for 75% mortgages
  • 3.75% for 85% mortgages
  • 4.75% for 95% mortgages

Our mortgages also include:

  • Low early repayment charges, over the first two years only (£500 or 1% of the loan balance, whichever is lowest)
  • Ability to overpay at any time without charge
  • Interest calculated on a daily basis (rather than front-loaded)


For first time buyers and movers, we charge only £500 admin fee.

For remortgages, we charge £999, which includes legal fees and valuation, as well as admin fee. Terms and conditions apply.

If fees are added to the loan, the APR may change.

Members looking to take out a variable rate mortgage with Capital Credit Union must also take out life assurance for the full value of the loan as well as buildings and contents insurance. Members are free to choose their own insurance provider.

Members are free to apply for additional loans over the course of their mortgage. Any additional lending request will be subject to our normal criteria.

Important Information

Our mortgage products have limited availability and may be withdrawn at any time.

Early repayment charges apply. Any other charges and fees may apply.

Applications are subject to standard lending criteria and all loans are subject to status.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Interested in our Variable Rate Mortgage?

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Email Independent Mortgage Adviser Lauren McFadden on lauren@connellmcfadden.com