First Time Buyer Mortgage, Mortgages for Intermediaries, Moving House Mortgage, New MortgageHeartland 2 Year Discount (Purchase) A discount of 2.26% off the Society’s SVR for 2 years, initial rate payable 5.73%. 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 Blue Light Mortgage (Purchase) Heartland 2 Year Fixed Rate (Purchase)