Existing customer mortgage rates

Existing customer - fixed rate

Product (Click on product for features)	Initial rate (fixed)	Then rate for remaining term (variable) currently	The overall cost for comparison is APR (variable)	Early repayment charge	Product fee	Apply
2 Year Fixed Max 75% LTV	5.99% until 31.10.10	7.19%	7.4%	Yes^*	1%	Call Us 0844 561 9660^†
The Product fee for this mortgage is 1% of the balance transferred 10% Overpay facility. ^Early repayment charge: You are only tied into your mortgage during the fixed period. Repay all or part of your mortgage before 31 October 2010 and pay a charge of 3% of the amount repaid. Available up to 75% of the current value of your home. To change your existing mortgage please call 0844 561 9660* between the hours of 9am - 8pm (Mon-Fri) and 9am - 2pm (Saturday). Close
2 Year Fixed	6.49% until 31.10.10	7.19%	7.4%	Yes^*	1%	Call Us 0844 561 9660^†
The Product fee for this mortgage is 1% of the balance transferred 10% Overpay facility. ^Early repayment charge: You are only tied into your mortgage during the fixed period. Repay all or part of your mortgage before 31 October 2010 and pay a charge of 3% of the amount repaid. To change your existing mortgage please call 0844 561 9660* between the hours of 9am - 8pm (Mon-Fri) and 9am - 2pm (Saturday). Close
2 Year Fixed Max 75% LTV	6.19% until 31.10.10	7.19%	7.4%	Yes^*	£599	Call Us 0844 561 9660^†
^Early repayment charge: You are only tied into your mortgage during the fixed period. 10% Overpay facility. Repay all or part of your mortgage before 31 October 2010 and pay a charge of 3% of the amount repaid. Available up to 75% of the current value of your home. To change your existing mortgage please call 0844 561 9660* between the hours of 9am - 8pm (Mon-Fri) and 9am - 2pm (Saturday). Close
2 Year Fixed	6.69% until 31.10.10	7.19%	7.6%	Yes^*	£599	Call Us 0844 561 9660^†
^Early repayment charge: You are only tied into your mortgage during the fixed period. 10% Overpay facility. Repay all or part of your mortgage before 31 October 2010 and pay a charge of 3% of the amount repaid. To change your existing mortgage please call 0844 561 9660* between the hours of 9am - 8pm (Mon-Fri) and 9am - 2pm (Saturday). Close
2 Year Fixed FeeSaver Max 75% LTV	6.79% until 31.10.10	7.19%	7.5%	Yes^*	£0	Call Us 0844 561 9660^†
^Early repayment charge: You are only tied into your mortgage during the fixed period. 10% Overpay facility. Repay all or part of your mortgage before 31 October 2010 and pay a charge of 3% of the amount repaid. Available up to 75% of the current value of your home. To change your existing mortgage please call 0844 561 9660* between the hours of 9am - 8pm (Mon-Fri) and 9am - 2pm (Saturday). Close
2 Year Fixed FeeSaver	7.29% until 31.10.10	7.19%	7.5%	Yes^*	£0	Call Us 0844 561 9660^†
^Early repayment charge: You are only tied into your mortgage during the fixed period. 10% Overpay facility. Repay all or part of your mortgage before 31 October 2010 and pay a charge of 3% of the amount repaid. To change your existing mortgage please call 0844 561 9660* between the hours of 9am - 8pm (Mon-Fri) and 9am - 2pm (Saturday). Close
3 Year Fixed Max 75% LTV	6.24% until 31.10.11	7.19%	7.3%	Yes^*	£599	Call Us 0844 561 9660^†
^Early repayment charge: You are only tied into your mortgage during the fixed period. 10% Overpay facility. Repay all or part of your mortgage before 31 October 2011 and pay a fee of 3% of the amount repaid. Available up to 75% of the current value of your home. To change your existing mortgage please call 0844 561 9660* between the hours of 9am - 8pm (Mon-Fri) and 9am - 2pm (Saturday). Close
3 Year Fixed	6.74% until 31.10.11	7.19%	7.6%	Yes^*	£599	Call Us 0844 561 9660^†
^Early repayment charge: You are only tied into your mortgage during the fixed period. 10% Overpay facility. Repay all or part of your mortgage before 31 October 2011 and pay a fee of 3% of the amount repaid. To change your existing mortgage please call 0844 561 9660* between the hours of 9am - 8pm (Mon-Fri) and 9am - 2pm (Saturday). Close
3 Year Fixed FeeSaver Max 75% LTV	6.89% until 31.10.11	7.19%	7.5%	Yes^*	£0	Call Us 0844 561 9660^†
^Early repayment charge: You are only tied into your mortgage during the fixed period. 10% Overpay facility. Repay all or part of your mortgage before 31 October 2011 and pay a fee of 3% of the amount repaid. Available up to 75% of the current value of your home. To change your existing mortgage please call 0844 561 9660* between the hours of 9am - 8pm (Mon-Fri) and 9am - 2pm (Saturday). Close
3 Year Fixed FeeSaver	7.39% until 31.10.11	7.19%	7.6%	Yes^*	£0	Call Us 0844 561 9660^†
^Early repayment charge: You are only tied into your mortgage during the fixed period. 10% Overpay facility. Repay all or part of your mortgage before 31 October 2011 and pay a fee of 3% of the amount repaid. To change your existing mortgage please call 0844 561 9660* between the hours of 9am - 8pm (Mon-Fri) and 9am - 2pm (Saturday). Close
5 Year Fixed Max 75% LTV	6.29% until 31.10.13	7.19%	7.1%	Yes^*	£599	Call Us 0844 561 9660^†
^Early repayment charge: You are only tied into your mortgage during the fixed period. 10% Overpay facility. Repay all or part of your mortgage before 31 October 2013 and pay a fee of 3% of the amount repaid. Available up to 75% of the current value of your home. To change your existing mortgage please call 0844 561 9660* between the hours of 9am - 8pm (Mon-Fri) and 9am - 2pm (Saturday). Close
5 Year Fixed	6.79% until 31.10.13	7.19%	7.5%	Yes^*	£599	Call Us 0844 561 9660^†
^Early repayment charge: You are only tied into your mortgage during the fixed period. 10% Overpay facility. Repay all or part of your mortgage before 31 October 2013 and pay a fee of 3% of the amount repaid. To change your existing mortgage please call 0844 561 9660* between the hours of 9am - 8pm (Mon-Fri) and 9am - 2pm (Saturday). Close
5 Year Fixed FeeSaver Max 75% LTV	6.89% until 31.10.13	7.19%	7.4%	Yes^*	£0	Call Us 0844 561 9660^†
^Early repayment charge: You are only tied into your mortgage during the fixed period. 10% Overpay facility. Repay all or part of your mortgage before 31 October 2013 and pay a fee of 3% of the amount repaid. Available up to 75% of the current value of your home. To change your existing mortgage please call 0844 561 9660* between the hours of 9am - 8pm (Mon-Fri) and 9am - 2pm (Saturday). Close
5 Year Fixed FeeSaver	7.39% until 31.10.13	7.19%	7.6%	Yes^*	£0	Call Us 0844 561 9660^†
^Early repayment charge: You are only tied into your mortgage during the fixed period. 10% Overpay facility. Repay all or part of your mortgage before 31 October 2013 and pay a fee of 3% of the amount repaid. To change your existing mortgage please call 0844 561 9660* between the hours of 9am - 8pm (Mon-Fri) and 9am - 2pm (Saturday). Close

Existing customer - tracker mortgages

Product (Click on product for features)	Initial rate (variable)	Then rate for remaining term (variable) currently	The overall cost for comparison is APR (variable)	Early repayment charge	Product fee	Apply
2 Year Base Rate Tracker Max 75% LTV	5.89% for 2 years	6.99	7.2%	Yes^*	1%	Call Us 0844 561 9660^†
The Product fee for this mortgage is 1% of the balance transferred For the first 2 years of your mortgage get a rate of Bank of England Base Rate +0.89%. Then Bank of England Base Rate +1.99% for the remainder of the term (variable) Fully flexible - you can overpay, and with the overpayments you build up, you can borrow money back, take payment holidays, or pay less in some months. Available up to 75% of the current value of your home. ^Early repayment charge: You are only tied into your mortgage during the first 2 years. Repay all of your mortgage in years 1 to 2 and pay a fee of 3% of the amount repaid. To change your existing mortgage please call 0844 561 9660* between the hours of 9am - 8pm (Mon-Fri) and 9am - 2pm (Saturday). Close
2 Year Base Rate Tracker	6.39% for 2 years	6.99	7.3%	Yes^*	1%	Call Us 0844 561 9660^†
The Product fee for this mortgage is 1% of the balance transferred For the first 2 years of your mortgage get a rate of Bank of England Base Rate +1.39%. Then Bank of England Base Rate +1.99% for the remainder of the term (variable) Fully flexible - you can overpay, and with the overpayments you build up, you can borrow money back, take payment holidays, or pay less in some months. To change your existing mortgage please call 0844 561 9660 between the hours of 9am - 8pm (Mon-Fri) and 9am - 2pm (Saturday). ^*Early repayment charge: You are only tied into your mortgage during the first 2 years. Repay all of your mortgage in years 1 to 2 and pay a fee of 3% of the amount repaid. Close
2 Year Base Rate Tracker FeeSaver Max 75% LTV	6.59% for 2 years	6.99	7.3%	Yes^*	£0	Call Us 0844 561 9660^†
For the first 2 years of your mortgage get a rate of Bank of England Base Rate +1.59%. Then Bank of England Base Rate +1.99% for the remainder of the term (variable) Fully flexible - you can overpay, and with the overpayments you build up, you can borrow money back, take payment holidays, or pay less in some months. Available up to 75% of the current value of your home. ^Early repayment charge: You are only tied into your mortgage during the first 2 years. Repay all of your mortgage in years 1 to 2 and pay a fee of 3% of the amount repaid. To change your existing mortgage please call 0844 561 9660* between the hours of 9am - 8pm (Mon-Fri) and 9am - 2pm (Saturday). Close
2 Year Base Rate Tracker FeeSaver	6.99% for 2 years	6.99	7.3%	Yes^*	0%	Call Us 0844 561 9660^†
For the first 2 years of your mortgage get a rate of Bank of England Base Rate +1.99%. Then Bank of England Base Rate +1.99% for the remainder of the term (variable) Fully flexible - you can overpay, and with the overpayments you build up, you can borrow money back, take payment holidays, or pay less in some months. ^Early repayment charge: You are only tied into your mortgage during the first 2 years. Repay all of your mortgage in years 1 to 2 and pay a fee of 3% of the amount repaid. To change your existing mortgage please call 0844 561 9660* between the hours of 9am - 8pm (Mon-Fri) and 9am - 2pm (Saturday). Close

Existing customer - standard variable rate

Product (Click on product for features)	Rate for term (variable) currently	The overall cost for comparison is APR (variable)	Early repayment charge	Apply
Standard Variable Rate (monthly interest)	7.19	7.5%	No	Call Us 0844 561 9660^†
Borrow as little as £1,000. Close
Standard Variable Rate (annual interest)	7.19	7.6%	No	Call Us 0844 561 9660^†
Borrow as little as £1,000. Close

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

All details correct as at 27 August 2008
Where products are limited to 75% Loan to Valuation (LTV) we will use the Halifax Price Index to obtain an up to date valuation on your property.
^†Lines open: Mon-Fri 9am-8pm & Sat 9am-2pm.
Calls are charged at national rate from UK landlines although call charges may vary from mobile phones.
Mortgages are subject to status, valuation, availability and our lending policy.

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