This product is subject to the following

• A non-refundable valuation fee will be charged

• A £100 booking fee is payable on application of this product and is non refundable

• 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 £150,000

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

• £849 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)

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

• One capital payment of up to 10% of the mortgage balance is permitted each year until 30 November 2013. Any additional capital payments during this period will attract a penalty calculated on the amount of the additional capital payment

• Higher Lending Charge if applicable will be paid by The Society

• Private insurance subject to £25 administration fee

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

• This Product is only available on properties within a 25 Mile radius of our Head Office

• All loans subject to status and valuation

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

• The loan must be taken out on a Repayment basis

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Early Repayment Terms
If this mortgage is repaid in full or in part before 30 November 2013 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 £2,400 based on £120,000

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