Residential Mortgages

Rates effective from
1 May 2008

Current Bank of England Base Rate
5.00%

Current SVR (Standard Variable Rate)
7.24%

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Rates effective from 1 May 2008. Current Bank of England Base Rate is 5.00%. Current Standard Variable Rate (SVR) is7.24%.

Fixed Rate Mortgages

Three Year Fixed Rate Mortgages
Mortgage	Three Year Fix	Three Year Fix	Three Year Fix
Maximum Loan to Value (LTV)	70%	80%	85%*
Current Rate	6.34% until 29/08/2011	6.44% until 29/08/2011	6.69% until 29/08/2011
Followed by our SVR (variable) for remaining term	7.24%	7.24%	7.24%
Overall Cost For Comparison (APR)	7.4%	7.5%	7.5%
Arrangement Fee	£995	£995	£995
Valuation Fee	See Mortgage Account Tariff.	See Mortgage Account Tariff.	See Mortgage Account Tariff.
Cashback / Incentive	Fee Free Legals on Remortgages.	Fee Free Legals on Remortgages.	Fee Free Legals on Remortgages.
Early Repayment Charge & Tie-in Period	4% until 29/08/2009 3% until 29/08/2010 2% until 29/08/2011	4% until 29/08/2009 3% until 29/08/2010 2% until 29/08/2011	4% until 29/08/2009 3% until 29/08/2010 2% until 29/08/2011
Mortgage Calculators	.	.	.
Important Information	Please take a moment to read further details on our residential range flexible features and some important information regarding our residential range. *This product is available to 90% for members. (An existing member is any Mortgage customer of the Building Society, or any Savings member of the Building Society who has held a Savings account for a minimum of 6 months.)

Fee Assisted Three Year Fixed Rate Mortgages
Mortgage	Fee Assisted Three Year Fix	Fee Assisted Three Year Fix	Fee Assisted Three Year Fix
Maximum Loan to Value (LTV)	70%	80%	85%*
Current Rate	6.69% until 29/08/2011	6.79% until 29/08/2011	7.04% until 29/08/2011
Followed by our SVR (variable) for remaining term	7.24%	7.24%	7.24%
Overall Cost For Comparison (APR)	7.4%	7.4%	7.5%
Arrangement Fee	N/A	N/A	N/A
Valuation Fee	See Mortgage Account Tariff.	See Mortgage Account Tariff.	See Mortgage Account Tariff.
Cashback / Incentive	£250/Fee Free Legals on Remortgages.	£250/Fee Free Legals on Remortgages.	£250/Fee Free Legals on Remortgages.
Early Repayment Charge & Tie-in Period	4% until 29/08/2009 3% until 29/08/2010 2% until 29/08/2011	4% until 29/08/2009 3% until 29/08/2010 2% until 29/08/2011	4% until 29/08/2009 3% until 29/08/2010 2% until 29/08/2011
Mortgage Calculators	.	.	.
Important Information	Please take a moment to read further details on our residential range flexible features and some important information regarding our residential range. *This product is available to 90% for members. (An existing member is any Mortgage customer of the Building Society, or any Savings member of the Building Society who has held a Savings account for a minimum of 6 months.)

Five Year Fixed Rate Mortgages
Mortgage	Five Year Fix	Five Year Fix	Five Year Fix
Maximum Loan to Value (LTV)	70%	80%	85%*
Current Rate	6.24% until 29/08/2013	6.34% until 29/08/2013	6.59% until 29/08/2013
Followed by our SVR (variable) for remaining term	7.24%	7.24%	7.24%
Overall Cost For Comparison (APR)	7.3%	7.3%	7.4%
Arrangement Fee	£995	£995	£995
Valuation Fee	See Mortgage Account Tariff.	See Mortgage Account Tariff.	See Mortgage Account Tariff.
Cashback / Incentive	Fee Free Legals on Remortgages.	Fee Free Legals on Remortgages.	Fee Free Legals on Remortgages.
Early Repayment Charge & Tie-in Period	5% until 29/08/2010 4% until 29/08/2011 3% until 29/08/2012 2% until 29/08/2013	5% until 29/08/2010 4% until 29/08/2011 3% until 29/08/2012 2% until 29/08/2013	5% until 29/08/2010 4% until 29/08/2011 3% until 29/08/2012 2% until 29/08/2013
Mortgage Calculators	.	.	.
Important Information	Please take a moment to read further details on our residential range flexible features and some important information regarding our residential range. *This product is available to 90% for members. (An existing member is any Mortgage customer of the Building Society, or any Savings member of the Building Society who has held a Savings account for a minimum of 6 months.)

Fee Assisted Five Year Fixed Rate Mortgages
Mortgage	Fee Assisted Five Year Fix	Fee Assisted Five Year Fix	Fee Assisted Five Year Fix
Maximum Loan to Value (LTV)	70%	80%	85%*
Current Rate	6.49% until 29/08/2013	6.59% until 29/08/2013	6.84% until 29/08/2013
Followed by our SVR (variable) for remaining term	7.24%	7.24%	7.24%
Overall Cost For Comparison (APR)	7.2%	7.3%	7.4%
Arrangement Fee	N/A	N/A	N/A
Valuation Fee	See Mortgage Account Tariff.	See Mortgage Account Tariff.	See Mortgage Account Tariff.
Cashback / Incentive	£250/Fee Free Legals on Remortgages.	£250/Fee Free Legals on Remortgages.	£250/Fee Free Legals on Remortgages.
Early Repayment Charge & Tie-in Period	5% until 29/08/2010 4% until 29/08/2011 3% until 29/08/2012 2% until 29/08/2013	5% until 29/08/2010 4% until 29/08/2011 3% until 29/08/2012 2% until 29/08/2013	5% until 29/08/2010 4% until 29/08/2011 3% until 29/08/2012 2% until 29/08/2013
Mortgage Calculators	.	.	.
Important Information	Please take a moment to read further details on our residential range flexible features and some important information regarding our residential range. *This product is available to 90% for members. (An existing member is any Mortgage customer of the Building Society, or any Savings member of the Building Society who has held a Savings account for a minimum of 6 months.)

Tracker Mortgages

Two Year Tracker Mortgages
Mortgage	Two Year Base Rate Tracker	Two Year Base Rate Tracker	Two Year Base Rate Tracker
Maximum Loan to Value (LTV)	70%	80%	85%*
Current Rate	6.24% (BBR + 1.24%)	6.34% (BBR + 1.34%)	6.59% (BBR + 1.59%)
Followed by our SVR (variable) for remaining term	7.24%	7.24%	7.24%
Overall Cost For Comparison (APR)	7.5%	7.5%	7.5%
Arrangement Fee	£995	£995	£995
Valuation Fee	See Mortgage Account Tariff.	See Mortgage Account Tariff.	See Mortgage Account Tariff.
Cashback / Incentive	Fee Free Legals on Remortgages.	Fee Free Legals on Remortgages.	Fee Free Legals on Remortgages.
Early Repayment Charge & Tie-in Period	3% in year 1 2% in year 2	3% in year 1 2% in year 2	3% in year 1 2% in year 2
Mortgage Calculators	.	.	.
Important Information	Please take a moment to read further details on our residential range flexible features and some important information regarding our residential range. *This product is available to 90% for members. (An existing member is any Mortgage customer of the Building Society, or any Savings member of the Building Society who has held a Savings account for a minimum of 6 months.)

Fee Assisted Two Year Tracker Mortgages
Mortgage	Fee Assisted Two Year Base Rate Tracker	Fee Assisted Two Year Base Rate Tracker	Fee Assisted Two Year Base Rate Tracker
Maximum Loan to Value (LTV)	70%	80%	85%*
Current Rate	6.74% (BBR + 1.74%)	6.84% (BBR + 1.84%)	7.09% (BBR + 2.09%)
Followed by our SVR (variable) for remaining term	7.24%	7.24%	7.24%
Overall Cost For Comparison (APR)	7.5%	7.5%	7.5%
Arrangement Fee	N/A	N/A	N/A
Valuation Fee	See Mortgage Account Tariff.	See Mortgage Account Tariff.	See Mortgage Account Tariff.
Cashback / Incentive	£250/Fee Free Legals on Remortgages.	£250/Fee Free Legals on Remortgages.	£250/Fee Free Legals on Remortgages.
Early Repayment Charge & Tie-in Period	3% in year 1 2% in year 2	3% in year 1 2% in year 2	3% in year 1 2% in year 2
Mortgage Calculators	.	.	.
Important Information	Please take a moment to read further details on our residential range flexible features and some important information regarding our residential range. *This product is available to 90% for members. (An existing member is any Mortgage customer of the Building Society, or any Savings member of the Building Society who has held a Savings account for a minimum of 6 months.)

Tracker for Term Mortgages
Mortgage	Base Rate Tracker	Base Rate Tracker	Base Rate Tracker
Maximum Loan to Value (LTV)	70%	80%	85%*
Current Rate	6.89% (BBR + 1.89%)	6.99% (BBR + 1.99%)	7.24% (BBR + 2.24%)
Overall Cost For Comparison (APR)	7.3%	7.4%	7.7%
Arrangement Fee	£995	£995	£995
Valuation Fee	See Mortgage Account Tariff.	See Mortgage Account Tariff.	See Mortgage Account Tariff.
Cashback / Incentive	Fee Free Legals on Remortgages.	Fee Free Legals on Remortgages.	Fee Free Legals on Remortgages.
Early Repayment Charge & Tie-in Period	N/A	N/A	N/A
Mortgage Calculators	.	.	.
Important Information	Please take a moment to read further details on our residential range flexible features and some important information regarding our residential range. *This product is available to 90% for members. (An existing member is any Mortgage customer of the Building Society, or any Savings member of the Building Society who has held a Savings account for a minimum of 6 months.)

Fee Assisted Tracker for Term Mortgages
Mortgage	Fee Assisted Base Rate Tracker	Fee Assisted Base Rate Tracker	Fee Assisted Base Rate Tracker
Maximum Loan to Value (LTV)	70%	80%	85%*
Current Rate	7.14% (BBR + 2.14%)	7.24% (BBR + 2.24%)	7.49% (BBR + 2.49%)
Overall Cost For Comparison (APR)	7.4%	7.6%	7.8%
Arrangement Fee	N/A	N/A	N/A
Valuation Fee	See Mortgage Account Tariff.	See Mortgage Account Tariff.	See Mortgage Account Tariff.
Cashback / Incentive	£250/Fee Free Legals on Remortgages.	£250/Fee Free Legals on Remortgages.	£250/Fee Free Legals on Remortgages.
Early Repayment Charge & Tie-in Period	N/A	N/A	N/A
Mortgage Calculators	.	.	.
Important Information	Please take a moment to read further details on our residential range flexible features and some important information regarding our residential range. *This product is available to 90% for members. (An existing member is any Mortgage customer of the Building Society, or any Savings member of the Building Society who has held a Savings account for a minimum of 6 months.)

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

Intermediaries

This page is for the use of new & existing customers only. If you are a Mortgage Broker, please visit our Intermediary Website.