Moving Home

FIXED RATE

Product name	Initial interest rate	Followed by our MMR^ currently	The overall cost for comparison is	Minimum interest rate payable	Early repayment charges	Fees	Maximum LTV^#	Further details
Capital and Interest Repayment
2 year fixed rate until 31/10/2019	1.99%	4.54%	4.1% APRC	-	Yes	Yes	80%	Click here
3 year fixed rate until 31/10/2020	2.44%	4.54%	3.9% APRC	-	Yes	Yes	80%	Click here
5 year fixed rate until 31/10/2022	2.54%	4.54%	3.7% APRC	-	Yes	Yes	80%	Click here
5 year fixed rate until 31/10/2022	2.74%	4.54%	3.6% APRC	-	Yes	Yes	80%	Click here

The above mortgages must be completed by 01/12/2017.

Representative example:
A mortgage of £97,000.00 payable over 16 years initially on a fixed rate for 2 years at 1.99% and then on our variable Managed Mortgage Rate, currently 4.54%, for the remaining 14 years would require 26 monthly payments of £590.31 and 166 monthly payments of £695.16, plus one initial interest payment of £164.21.
The total amount payable would be £132,182.83 made up of the loan amount plus interest £33,908.83 and an application fee of £175, a product fee of £999 and a mortgage exit fee of £100.
The overall cost for comparison is 4.1% APRC representative.

Product name	Initial interest rate	Followed by our MMR^ currently	The overall cost for comparison is	Minimum interest rate payable	Early repayment charges	Fees	Maximum LTV^#	Further details
Interest Only
3 year fixed rate to 31/10/2020	2.94%	4.54%	4.3% APRC	-	Yes	Yes	80%	Click here

Representative example:
A mortgage of £150,000.00 payable over 15 years on a fixed rate for 3 years at 2.94% and then our variable Managed Mortgage Rate, currently 4.54%, for the remaining 12 years would require 38 monthly payments of £367.50 and 142 monthly payments of £567.37 plus one initial interest payment of £375.46.
The total amount payable would be £246,181.00 made up of the loan amount plus interest £94,907 and an application fee of £175, a product fee of £999 and a mortgage exit fee of £100.
The overall cost for comparison is 4.3% APRC representative.

DISCOUNTED VARIABLE RATE

Product name	Initial interest rate	Followed by our MMR^ currently	The overall cost for comparison is	Minimum interest rate payable	Early repayment charges	Fees	Maximum LTV^#	Futher details
Capital and Interest Repayment
3 year 2.20% discount	2.34%	4.54%	3.9% APRC	2.14%	Yes	Yes	80%	Click here
5 year 1.90% discount	2.64%	4.54%	3.6% APRC	2.44%	Yes	Yes	80%	Click here
5 year 1.70% discount	2.84%	4.54%	3.6% APRC	2.64%	Yes	Yes	80%	Click here

Representative example:
A mortgage of £125,000 payable over 13 years on a discounted variable rate for 3 years at 2.20% below our variable Managed Mortgage Rate and then on our variable Managed Mortgage Rate, currently 4.54%, would require 35 monthly payments of £930.10 and 121 monthly payments of £1,032.52 plus one initial interest payment of £248.90.
The total amount payable would be £159,011.32 made up of the loan amount plus interest £32,737.32 and an application fee of £175, a product fee of £999 and a mortgage exit fee of £100.
The overall cost for comparison is 3.9% APRC representative.

Product name	Initial interest rate	Followed by our MMR^ currently	The overall cost for comparison is	Minimum interest rate payable	Early repayment charges	Fees	Maximum LTV^#	Futher details
Interest Only
3 year 1.70% discount	2.84%	4.54%	4.3% APRC	2.64%	Yes	Yes	80%	Click here
5 year 1.40% discount	3.14%	4.54%	4.2% APRC	2.94%	Yes	Yes	80%	Click here
5 year 1.20% discount	3.34%	4.54%	4.1% APRC	3.14%	Yes	Yes	80%	Click here

Representative example:
A mortgage of £125,000.00 payable over 13 years on a discounted variable rate for 3 years at 1.70% below our variable Managed Mortgage Rate and then on our variable Managed Mortgage Rate, currently 4.54%, would require 35 monthly payments of £295.83 and 121 monthly payments of £472.81 plus one initial interest payment of £302.21.
The total amount payable would be £194,140.27 made up of the loan amount plus interest £67,866.27 and an application fee of £175, a product fee of £999 and a mortgage exit fee of £100.
The overall cost for comparison is 4.3% APRC representative.

What is a representative example?
This is an illustration of a typical mortgage and its total cost.

FOOTNOTES

^ MMR stands for our variable Managed Mortgage Rate.
^# LTV stands for Loan to Value.

Do you need our help?

Please call us on 03330 140140 to arrange an appointment should you be in a position to apply or require advice, alternatively our customer representative may be able to answer any queries you might have. We're open Monday to Thursday: 8.00am to 6.00pm, Friday: 8.00am to 5.30pm and Saturday: 9.00am to 12.00pm.

Alternatively if you would like us to contact you at a time of your choice please complete the call back request form.

THE MORTGAGE WILL BE SECURED ON YOUR HOME
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

All of these mortgage products have limited funds and may be withdrawn at any time. Our mortgages are available to applicants aged 18 and over for properties in England or Wales.