This product is subject to the following

• This product is for new borrowers only & re-mortgages only

• Re-mortgage Legal Fees - There will be no legal fees payable where the Society’s re-mortgage scheme is used up to
a maximum of £250, subject to there being no additional legal work involved, for example, the postponement of a
second mortgage, transfer of equity or additional leasehold work. Where the loan exceeds £250,000 then you will be
responsible for any additional legal fees incurred. Applicants may choose to use their own solicitors, but will be
responsible for all costs.*

• One free standard valuation per customer for properties up to £250,000**

• A £150 booking fee is payable on application and is non refundable

• £400 Arrangement Fee (which may be added to the loan as long as the LTV including the fee does not exceed the
maximum for the product)

• This product has a collar and as such the variable rate of interest will not drop below 2.00%

• Minimum Age 18 years

• Maximum Age 65 years on redemption

• Minimum Loan size £30,000

• Maximum Loan £250,000

• Offer available for direct applications through the Society’s branches, telephone or website

• Offer available for direct applications through the Society’s branches, telephone or website

• Loan to Value Limits - Loan based on purchase price or valuation, whichever is the lower
House Purchase - NA Re-Mortgage - 90%
Re-Mortgage including Capital Raising - NA Re-Mortgage including Home Improvements - NA

• One capital payment of up to 10% of the mortgage balance is permitted each year for the first 3 years. Any additional
capital payments during this period will attract a penalty calculated on the amount of the additional capital payment

• Higher Lending Charge will be paid by The Society - Click for more details

• Private insurance subject to £25 administration fee

• Product only available to applicants who meet the Society's lending criteria

• Only available on properties in England and Wales

• All loans subject to status and valuation

• Your mortgage must complete by 29 February 2012

• The APR will depend upon your circumstances. Ask for a personalised illustration^

• This mortgage can only be taken out on a repayment basis

• A copy of your Credit Report from Experian or Equifax must be submitted on application. Failure to do so will result in
a delay.

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Early Repayment Terms
If this mortgage is repaid in full during the first 3 years an early repayment charge will apply.
This will be 2% of the balance repaid during this period.
Example - The maximum early repayment charge you could pay is £3,000 based on £150,000

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