First Time Buyer Mortgage, Mortgages for Intermediaries, Moving House Mortgage, New MortgageBlue Light Mortgage (Purchase) A discount of 1.56% off the Society’s SVR for 2 years, initial rate payable 6.43%. The rate payable will not go below a floor rate of 3% during the discounted period. Overpayments up to 10% of the outstanding loan per year Portable Expat Holiday Let (Purchase & Remortgage) Heartland 2 Year Discount (Purchase)