5% Deposit Terms & Conditions:

Based on a repayment mortgage of £190,000 over 30 years & purchase price of £200,000. Using a 2 year fixed rate mortgage at an interest rate of 3.17%. APR 4.2%. After 2 years the interest rate will revert to the lenders standard variable rate, currently 4.24%. Mortgage deposit of £10,000 required and no product fee. All mortgages are subject to availability and status. Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it. Be sure you can afford the repayments before entering into a credit agreement.

20% Deposit Terms & Conditions:

Based on a repayment mortgage of £160,000 over 30 years & purchase price of £200,000. Using a 2 year fixed rate mortgage at an interest rate of 1.69%. APR 4.7%. After 2 years the interest rate will revert to the lenders standard variable rate, currently 5.2%. Mortgage deposit of £40,000 required and a no product fee. All mortgages are subject to availability and status. Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it. Be sure you can afford the repayments before entering into a credit agreement.

Help to Buy Terms & Conditions:

Terms & conditions apply and full details will be provided on request. This offer is subject to the status of the applicant. Mortgage and 5% deposit combined must be a minimum of 85% of the net purchase price. Mortgage from a qualifying lender must be capital and repayment. Not available for Buy to Let. Part Exchange on the new property is not available. The new home must be the only residence and you must not own another home or property. If you do own another home, you are expected to sell it prior to purchasing a new Scotia Home.

Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it. Be sure that you can afford the repayments before entering into a credit agreement.