This product is subject to the following

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

• A non-refundable valuation fee will be charged

• Minimum Age 18 years.

• Maximum Age 65 years on redemption.

• Minimum Loan £30,000.

• Maximum Loan £150,000.

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

• £549 Arrangement Fee 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 90%

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

• 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 within 25 miles of the Society's Head Office

• £500 Cashback will be paid on completion to the first 100 completed applications on qualifying products

• 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 Terms
If this mortgage is repaid in full or part before
30 April 2013 an early repayment charge will apply.
This will be 2% of the balance repaid during
the fixed period of the mortgage.
Example - the maximum early repayment charge you could pay is £1,900.00 based on 2% of £95,000.

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