This product is subject to the following

• This product is for new borrowers only

• Your mortgage must complete before 29 February 2012

• 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. House Purchase - A £250 cashback on completion of the mortgage will be given

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

• A £195 booking fee is payable on application of this product and is non refundable

• £600 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 £30,000

• Maximum Loan £750,000

• Minimum House Purchase Price
    • Within a 25 mile radius of The Hanley's Head Office £50,000
    • Outside a 25 mile radius of The Hanley's Head Office £70,000

• 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 - 70%
Re-Mortgage - 70%
Re-Mortgage including Home Improvements- 70%
Re-Mortgage including Capital Raising - 70%

• No High Lending Charge applies

• 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

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

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Early Repayment Charges
No Early Repment Charges Apply

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