This product is subject to the following

• A revaluation of your property may be necessary and you will be responsible for the cost of the valuation.

• Minimum Age 18 years.

• Maximum Age 65 years on redemption.

• Minimum Loan £1,000.

• Maximum Loan £1,000,000.

• Offer only available for direct applications through the Society’s branches, website, via the telephone.

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

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

• 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
There are no early repayment charges for this product.

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

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