mortgages

Funding on all our mortgage offers is limited and rates can be withdrawn at anytime without notice.

To apply for a fixed rate offset Mortgage, if you are already a customer please call 08 456 100 103, if you are not yet a customer please call 0800 48 24 48.

offset Mortgages

Capped tracker Mortgage

	%p.a.	Overall cost for comparison	Arrangement fee	Booking fee
Capped tracker (cap of 4.99% applies until 31 August 2012)	Tracks the Bank of England Base Rate plus 2.48%, currently 2.98%	3.2% APR	£1499	£0

The Capped tracker Mortgage is not available to customers remortgaging from an existing first direct mortgage.

Fixed rates*

	Initial rate %p.a.	Rate to revert to	Overall cost for comparison is	Arrangement fee	Booking fee
2 years*	3.49%	Standard Variable Rate for the remainder of the term, currently 3.69%	3.9% APR	£999	£499
2 years*	3.99%	Standard Variable Rate for the remainder of the term, currently 3.69%	3.8% APR	£0	£99
3 years*	4.29%	Standard Variable Rate for the remainder of the term, currently 3.69%	4.0% APR	£599	£399
3 years*	4.49%	Standard Variable Rate for the remainder of the term, currently 3.69%	4.0% APR	£0	£99

* Funding for the fixed rate offers is limited and rates can be withdrawn at any time without notice.

Available on lending of £30,000 or above. Arrangement and booking fees apply to every £400,000 of lending or part thereof.

You should keep in mind that if rates fall, you could pay more for your mortgage during the fixed rate period than you would on a variable rate mortgage. With all our fixed rate mortgages, if you repay your mortgage during the fixed rate period, you will be charged an early repayment charge.

The amount of any early repayment charge will be displayed on both your Key Facts Illustration and Mortgage Offer, which you will receive should you decide to progress with a mortgage application.

For more details and to book a fixed rate, please call us on 08 456 100 103 if you are already a first direct customer or 0800 48 24 48 if you are new to first direct.

Variable rates

	%p.a.	Overall cost for comparison	Arrangement fee	Booking fee	Loan amount
Standard	3.69%	3.8% APR	£299	£0	Available on lending of £30,000 or above.

 

life tracker repayment mortgage

Variable rate

	%p.a.	Overall cost for comparison	Arrangement fee	Booking fee	Loan amount
life tracker repayment	Tracks the Bank of England Base Rate plus 2.59% for the life of the mortgage, currently 3.09%	3.2% APR	£999	£0	Available on lending of £10,000 or above.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.