Mortgages

Customer Mortgage Range
Rates correct as at 29 July 2010

Products are only available to new borrowers and existing borrowers moving home. Loan To Value... APR... Are all these terms confusing you? Use our Jargon Buster

1 Year Fixed Rate up to and including 31 October 2011
Initial Rate	Then changing to the Society's Standard Variable Rate less a discount of 2.19% which is currently	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
3.99% Fixed up to and including 31/10/2011	3.50% Up to and including 31 October 2013	5.69% For the remaining term of the mortgage	5.3% APR	60%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages. Tapered Early Repayment Charges apply up to and including 31 October 2013		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £400 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

1 Year Fixed Rate up to and including 31 October 2011
Initial Rate	Then changing to the Society's Standard Variable Rate less a discount of 1.69% which is currently	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
4.49% Fixed up to and including 31/10/2011	4.00% Up to and including 31 October 2013	5.69% For the remaining term of the mortgage	5.5% APR	80%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages. Tapered Early Repayment Charges apply up to and including 31 October 2013		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £800 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

2 Year Fixed Rate up to and including 30 November 2012
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
3.23% 3.99% 5.53% Fixed up to and including 30/11/2012	5.69% 5.69% 5.69% For the remaining term of the mortgage	5.6% APR 5.8% APR 6.0% APR	75% 80% 85%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
If you choose to take our HomeCover (Buildings and Contents) Insurance, then an alternative product is available with a 0.24% discount on the rate shown in the "Initial Rate" column. For further details and to take advantage of this discount, call our Mortgage Hotline on 08450 50 50 62. This offer is not available to online applications.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply up to and including 30 November 2012 For fixed rate mortgages greater than 80% loan to value a maximum loan size of £500,000 applies.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £800 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

Fees Assisted 2 Year Fixed Rate up to and including 30 November 2012
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
4.04% 5.18% 5.88% Fixed up to and including 30/11/2012	5.69% 5.69% 5.69% For the remaining term of the mortgage	5.8% APR 5.8% APR 6.0% APR	75% 80% 85%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
If you choose to take our HomeCover (Buildings and Contents) Insurance, then an alternative product is available with a 0.24% discount on the rate shown in the "Initial Rate" column. For further details and to take advantage of this discount, call our Mortgage Hotline on 08450 50 50 62. This offer is not available to online applications.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages. Tapered Early Repayment Charges apply up to and including 30 November 2012 For fixed rate mortgages greater than 80% loan to value a maximum loan size of £500,000 applies.		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

3 Year Fixed Rate up to and including 31 July 2013
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
3.89% 4.74% 5.53% Fixed up to and including 31/07/2013	5.69% 5.69% 5.69% For the remaining term of the mortgage	5.5% APR 5.7% APR 6.0% APR	75% 80% 85%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
If you choose to take our HomeCover (Buildings and Contents) Insurance, then an alternative product is available with a 0.24% discount on the rate shown in the "Initial Rate" column. For further details and to take advantage of this discount, call our Mortgage Hotline on 08450 50 50 62. This offer is not available to online applications.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply up to and including 31 July 2013 For fixed rate mortgages greater than 80% loan to value a maximum loan size of £500,000 applies.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £800 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

Fees Assisted 3 Year Fixed Rate up to and including 31 July 2013
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
4.63% 5.49% 6.03% Fixed up to and including 31/07/2013	5.69% 5.69% 5.69% For the remaining term of the mortgage	5.7% APR 5.9% APR 6.0% APR	60% 80% 85%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
If you choose to take our HomeCover (Buildings and Contents) Insurance, then an alternative product is available with a 0.24% discount on the rate shown in the "Initial Rate" column. For further details and to take advantage of this discount, call our Mortgage Hotline on 08450 50 50 62. This offer is not available to online applications.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages. Tapered Early Repayment Charges apply up to and including 31 July 2013 For fixed rate mortgages greater than 80% loan to value a maximum loan size of £500,000 applies.		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

3 Year Fixed Rate up to and including 31 July 2013
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
4.63% 5.23% Fixed up to and including 31/07/2013	5.69% 5.69% For the remaining term of the mortgage	5.7% APR 5.9% APR	60% 80%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
If you choose to take our HomeCover (Buildings and Contents) Insurance, then an alternative product is available with a 0.24% discount on the rate shown in the "Initial Rate" column. For further details and to take advantage of this discount, call our Mortgage Hotline on 08450 50 50 62. This offer is not available to online applications.	No Higher Lending Charge. Unlimited capital repayments allowed.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £800 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

5 Year Fixed Rate up to and including 30 November 2015
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
4.83% 5.03% 5.73% Fixed up to and including 30/11/2015	5.69% 5.69% 5.69% For the remaining term of the mortgage	5.7% APR 5.7% APR 6.0% APR	60% 80% 85%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
If you choose to take our HomeCover (Buildings and Contents) Insurance, then an alternative product is available with a 0.24% discount on the rate shown in the "Initial Rate" column. For further details and to take advantage of this discount, call our Mortgage Hotline on 08450 50 50 62. This offer is not available to online applications.	£1,000 cashback on completion No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply up to and including 30 November 2015 For fixed rate mortgages greater than 80% loan to value a maximum loan size of £500,000 applies.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £800 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

5 Year Fixed Rate up to and including 30 November 2015
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
4.18% 4.83% 5.63% Fixed up to and including 30/11/2015	5.69% 5.69% 5.69% For the remaining term of the mortgage	5.4% APR 5.7% APR 6.0% APR	60% 80% 85%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
If you choose to take our HomeCover (Buildings and Contents) Insurance, then an alternative product is available with a 0.24% discount on the rate shown in the "Initial Rate" column. For further details and to take advantage of this discount, call our Mortgage Hotline on 08450 50 50 62. This offer is not available to online applications.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply up to and including 30 November 2015 For fixed rate mortgages greater than 80% loan to value a maximum loan size of £500,000 applies.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £800 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

Fees Assisted 5 Year Fixed Rate up to and including 30 November 2015
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
5.19% 5.53% 6.23% Fixed up to and including 30/11/2015	5.69% 5.69% 5.69% For the remaining term of the mortgage	5.7% APR 5.8% APR 6.1% APR	60% 80% 85%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
If you choose to take our HomeCover (Buildings and Contents) Insurance, then an alternative product is available with a 0.24% discount on the rate shown in the "Initial Rate" column. For further details and to take advantage of this discount, call our Mortgage Hotline on 08450 50 50 62. This offer is not available to online applications.	1% cashback on completion No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages. Tapered Early Repayment Charges apply up to and including 30 November 2015 For fixed rate mortgages greater than 80% loan to value a maximum loan size of £500,000 applies.		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

Flexible 3 Year 0.50% Discount
Initial Rate is the Society's Standard Variable Rate less a discount of 0.50%, currently	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
5.19% for 3 years	5.69% For the remaining term of the mortgage	6.0% APR	60%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Early Repayment Charges apply for the first 3 years.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £250,000: £800 Completion Fee for loans between £250,000 and £500,000: 0.5% of loan Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

2 Year 0.50% Discount
Initial Rate is the Society's Standard Variable Rate less a discount of 0.50%, currently	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
5.19% for 2 years	5.69% For the remaining term of the mortgage	6.0% APR	60%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply for the first 2 years.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £250,000: £800 Completion Fee for loans between £250,000 and £500,000: 0.5% of loan Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

2 Year Base Rate Tracker +2.99% up to and including 30 April 2012
Initial Rate tracks the Bank of England Base Rate plus 2.99%, which is currently	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
3.49% Up to and including 30/04/2012	5.69% For the remaining term of the mortgage	5.7% APR	75%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply up to and including 30 April 2012		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £250,000: £800 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

2 Year Base Rate Tracker +3.49% up to and including 30 April 2012
Initial Rate tracks the Bank of England Base Rate plus 3.49%, which is currently	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
3.99% Up to and including 30/04/2012	5.69% For the remaining term of the mortgage	5.8% APR	70%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. Unlimited capital repayments are allowed.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £250,000: £800 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

Buy to Let 2 Year Fixed Rate up to and including 30 September 2012
Initial Rate	Then changing to the Society's Buy to Let Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
4.89% 5.19% 5.39% Fixed up to and including 30/09/2012	5.99% 5.99% 5.99% For the remaining term of the mortgage	6.2% APR 6.3% APR 6.3% APR	60% 65% 70%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply up to and including 30 September 2012. Maximum loan £500,000.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £800 Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

Buy to Let 3 Year Fixed Rate up to and including 31 August 2013
Initial Rate	Then changing to the Society's Buy to Let Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
5.49% 5.79% 5.99% Fixed up to and including 31/08/2013	5.99% 5.99% 5.99% For the remaining term of the mortgage	6.4% APR 6.4% APR 6.6% APR	60% 65% 70%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply up to and including 31 August 2013. Maximum loan £500,000.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £1,350 Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

Buy to Let 5 Year Fixed Rate up to and including 31 August 2015
Initial Rate	Then changing to the Society's Buy to Let Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
5.69% 5.99% 6.29% Fixed up to and including 31/08/2015	5.99% 5.99% 5.99% For the remaining term of the mortgage	6.4% APR 6.7% APR 6.7% APR	60% 65% 70%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply up to and including 31 August 2015. Maximum loan £500,000.		Booking Fee: £199 (Payable on application - non-refundable) Completion Feefor loans up to £500,000: £1,350 Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

Buy to Let Variable Rate
The Society's Buy to Let Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
5.99% 5.99% For the term of the mortgage	6.4% APR 6.6% APR	60% 70%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:	Fees
No Discount is available on this product.	Unlimited capital repayments allowed. Maximum loan £500,000.	Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000 (Maximum 60% Loan To Value): £800 Completion Fee for loans up to £500,000 (Maximum 70% Loan To Value): £1,350 Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62	Apply at your local branch

Offset 2 Year Fixed Rate up to and including 31 August 2012
Initial Rate	Then changing to the Society's Offset Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
3.64% 3.94% 4.59% Fixed up to and including 31/08/2012	5.69% 5.69% 5.69% For the remaining term of the mortgage	5.7% APR 5.7% APR 5.8% APR	60% 75% 80%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
If you choose to take our HomeCover (Buildings and Contents) Insurance, then an alternative product is available with a 0.24% discount on the rate shown in the "Initial Rate" column. For further details and to take advantage of this discount, call our Mortgage Hotline on 08450 50 50 62. This offer is not available to online applications.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply up to and including 31 August 2012		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £800 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

Offset Fees Assisted 2 Year Fixed Rate up to and including 31 August 2012
Initial Rate	Then changing to the Society's Offset Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
4.29% 4.53% 5.43% Fixed up to and including 31/08/2012	5.69% 5.69% 5.69% For the remaining term of the mortgage	5.7% APR 5.7% APR 5.9% APR	60% 75% 80%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
If you choose to take our HomeCover (Buildings and Contents) Insurance, then an alternative product is available with a 0.24% discount on the rate shown in the "Initial Rate" column. For further details and to take advantage of this discount, call our Mortgage Hotline on 08450 50 50 62. This offer is not available to online applications.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages. Tapered Early Repayment Charges apply up to and including 31 August 2012		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

Offset Variable Rate
The Society's Offset Variable Rate applies, which is currently	The overall cost for comparison is	Maximum Loan To Value
5.69% For the term of the mortgage	6.1% APR	80%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:	Fees
No Discount is available on this product.	No Higher Lending Charge. Unlimited capital repayments allowed.	Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £400 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62	Apply at your local branch

Shared Ownership Fees Assisted 3 Year Fixed Rate up to and including 31 July 2013 (not portable and not available in Scotland)
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
7.89% Fixed up to and including 31/07/2013	5.69% For the remaining term of the mortgage	6.7% APR	75%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 95% of borrower share available. Tapered Early Repayment Charges apply up to and including 31 July 2013 FREE in-house legal services for standard re-mortgages. FREE standard valuation up to £335.		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

Shared Ownership Fees Assisted 3 Year Fixed Rate up to and including 30 September 2013 (not portable and not available in Scotland)
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
6.99% Fixed up to and including 30/09/2013	5.69% For the remaining term of the mortgage	6.4% APR	75%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 80% of borrower share available. Tapered Early Repayment Charges apply up to and including 30 September 2013 FREE in-house legal services for standard re-mortgages. FREE standard valuation up to £335.		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

Shared Ownership SVR + 1.15% For 5 Years (not Portable and not available in Scotland)
The Society's Standard Variable Rate plus 1.15% applies, which is currently	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
6.84% For 5 years	5.69% For the remaining term of the mortgage	6.7% APR	75%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 95% of borrower share available. Early Repayment Charges apply for the first 5 years. £250 cashback.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £99 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

Shared Equity Affordable Housing Fees Assisted 3 Year Fixed Rate up to and including 30 April 2013 (not Portable and not available in Scotland)
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
7.89% Fixed up to and including 30/04/2013	5.69% For the remaining term of the mortgage	6.7% APR	90%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages. 90% of borrower share available. Tapered Early Repayment Charges apply up to and including 30 April 2013.		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

Scottish Homestake/ Lift Fees Assisted 3 Year Fixed Rate up to and including 30 April 2013 (not portable and only available in Scotland)
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
7.99% Fixed up to and including 30/04/2013	5.69% For the remaining term of the mortgage	6.7% APR	90%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages. 90% of borrower share available. Only available in Scotland. Tapered Early Repayment Charges apply up to and including 30 April 2013.		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

Shared Equity Affordable Housing 5 Year SVR + 1.15% For 5 Years (not Portable and not available in Scotland)
The Society's Standard Variable Rate plus 1.15% applies, which is currently	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
6.84% For 5 years	5.69% For the remaining term of the mortgage	6.7% APR	90%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 90% of borrower share available. £250 cashback. Early Repayment Charges apply for the first 5 years.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £99 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

Scottish Homestake / Lift 5 Year SVR + 1.15% For 5 Years (not Portable and only available in Scotland)
The Society's Standard Variable Rate plus 1.15% applies, which is currently	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
6.84% For 5 years	5.69% For the remaining term of the mortgage	6.7% APR	90%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	£250 cashback. No Higher Lending Charge. 90% of borrower share available. Only available in Scotland. Early Repayment Charges apply for the first 5 years.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £99 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

Variable Rate Cashback Mortgage
The Society's Standard Variable Rate applies, which is currently	The overall cost for comparison is	Maximum Loan To Value
5.69% For the term of the mortgage	6.0% APR	80%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:	Fees
No Discount is available on this product.	3% Cashback on completion. No Higher Lending Charge. The 3% Cashback must be repaid on early repayment of the mortgage during the first 3 Years.	Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62	Apply at your local branch

Standard Variable Rate
The Society's Standard Variable Rate applies, which is currently	The overall cost for comparison is	Maximum Loan To Value
5.69% For the term of the mortgage	6.0% APR	80%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:	Fees
No Discount is available on this product.	No Higher Lending Charge. Unlimited capital repayments are allowed.	Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62	Apply at your local branch

What about Discounted Products?

Some Leeds Building Society mortgages are discounted if HomeCover (Buildings and Contents Insurance) is also taken out with the Society. This is detailed in the "HomeCover Discount" column. If available you will receive a 0.24% discount on the interest rate detailed in the "Initial Rate" column.

Re-Mortgaging?

Leeds Building Society can offer a quick and efficient in-house re-mortgage legal service. The cost of this excellent service is £250 in England, Wales, Scotland & Northern Ireland (this service is FREE for standard re-mortgages on certain products). Using our re-mortgage service ensures that your re-mortgage goes through quickly so you can benefit from our product rates sooner. The service includes all re-mortgage fees but additional fees may be payable for extra work, for example, if a new owner is to be added to the deeds. Free in-house legal services are not available on certain products including shared ownership if you are increasing your share of the property, buy to let in Northern Ireland or Self-build.

Existing Leeds Building Society mortgage customer moving home?

As an existing customer our Loyalty Reward Mortgage Scheme will give you the following great benefits:

• Fast application service
• Full advice available on your mortgage
• Completion Fees added to your loan

Find out more about the Loyalty Reward Mortgage Scheme »

Any Questions?

Please contact your local branch or call us direct on 08450 50 50 62. Lines are open 8am to 8pm seven days a week.