• 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 Legal Fees- Applicants will be responsible for all legal fees.*

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

• Minimum Age 18 years.

• Maximum Age 65 years on redemption.

• Minimum Loan £30,000.

• Maximum Loan £1,000,000.

• Offer only available for direct applications through the Society’s branches.

• £499 Administration Fee. (which may be added to the loan on completion)

• Loan to Value Limits - Loan based on purchase price or valuation, whichever is the lower

House Purchase 85% - Re-Mortgage 80% - Capital Raising 75%
Re-Mortgage including Capital Raising 75% - Home Improvements N/A

• 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.

• Private insurance subject to £25 administration fee.

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

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

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Early Repayment Terms
If this mortgage is repaid in full or part during in
the first 2 years an early repayment charge will apply.
This will be 3% of the balance repaid during
the first 2 years of the mortgage.
Example - the maximum early repayment charge
you could pay is £2,850.00 based on 3% of £95,000.

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

Effective from November 2008 - The Society reserves the right to withdraw this offer at any time.