Fixed-rate

  • Make budgeting easier by fixing your repayments for an agreed period even if rates rise
  • Choose to pay off capital and interest, interest only or a combination of both

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

2-year & 3-Year  | 5-year  | Private & Advantage  | Remortgage  | First Time Buyers  |
Initial
rate		 Until Rate
thereafter		 Overall cost for
comparison		 Minimum
deposit		 Early repayment
charge

2-year purchase fixed rate (up to 75% LTV)

 Updated 01/09/2008
5.89% 31/10/2010 7.19% variable 7.3% APR 25% 3% until 31/10/2010
  • You can overpay up to 10% of your outstanding mortgage balance each year without extra charge
  • Product fee £999
  • Minimum loan £25,000
  • Only available for new and existing customers purchasing a property
(Ref: fix19)

2-year remortgage fixed rate (up to 75% LTV)

 Updated 01/09/2008
5.99% 31/10/2010 7.19% variable 7.3% APR 25% 3% until 31/10/2010
  • We will pay our legal fees for standard remortgaging only, provided our nominated solicitor is used
  • No valuation fee
  • You can overpay up to 10% of your outstanding mortgage balance each year without extra charge
  • Product fee £999
  • Minimum loan £25,000
  • Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
(Ref: fix9)

2 year remortgage fixed rate (up to 75% LTV)

 Updated 01/09/2008
6.24% 31/10/2010 7.19% variable 7.3% APR 25% 3% until 31/10/2010
  • We will pay our legal fees for standard remortgaging only, provided our nominated solicitor is used
  • No valuation fee
  • You can overpay up to 10% of your outstanding mortgage balance each year without extra charge
  • Product fee £499
  • Minimum loan £25,000
  • Maximum loan £100,000
  • Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
(Ref: fix15)

2-year purchase fixed rate (up to 90% LTV)

 Updated 01/09/2008
6.24% 31/10/2010 7.19% variable 7.4% APR 10% 3% until 31/10/2010
  • You can overpay up to 10% of your outstanding mortgage balance each year without extra charge
  • Product fee £999
  • Minimum loan £25,000
  • Only available for new and existing customers purchasing a property
(Ref: fix10)

2-year remortgage fixed rate (up to 90% LTV)

 Updated 01/09/2008
6.34% 31/10/2010 7.19% variable 7.3% APR 10% 3% until 31/10/2010
  • We will pay our legal fees for standard remortgaging only, provided our nominated solicitor is used
  • No valuation fee
  • You can overpay up to 10% of your outstanding mortgage balance each year without extra charge
  • Product fee £999
  • Minimum loan £25,000
  • Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
(Ref: fix11)

2-year purchase fixed rate (up to 95% LTV)

 Updated 01/09/2008
6.69% 31/10/2010 7.19% variable 7.5% APR 5% 3% until 31/10/2010
  • You can overpay up to 10% of your outstanding mortgage balance each year without extra charge
  • Product fee £999
  • Minimum loan £25,000
  • Only available for capital repayment mortgages
  • Only available for new and existing customers purchasing a property
(Ref: fix36)

2-year remortgage fixed rate (up to 95% LTV)

 Updated 01/09/2008
6.79% 31/10/2010 7.19% variable 7.4% APR 5% 3% until 31/10/2010
  • We will pay our legal fees for standard remortgaging only, provided our nominated solicitor is used
  • No valuation fee
  • You can add the product fee to your mortgage, this means interest is charged on fees at the mortgage interest rate for the term of the mortgage
  • Product fee £999
  • Minimum loan £25,000
  • Only available for capital repayment mortgages
  • Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
(Ref: fix43)