Product changes Wednesday May Customers with smaller loans

Document Sample
Product changes Wednesday May Customers with smaller loans Powered By Docstoc
					                                                                                                                                            Product Guide




                                                             Product changes Wednesday 23 May

                                       On Wednesday 23 May 2012, we will be making changes to our New Business product ranges.

                                                                             Product Changes

                               • 2-Year Fixed Rate 85-90% LTV product to be temporarily withdrawn for Home movers and First Time Buyers.
                                        • 3-Year Fixed product 85-90% LTV for Homemover and First Time Buyer reduced by 0.20%

               There will be no changes to the 2-Year New Build and New Buy products which will continue to be available exclusively for New Build cases only.


                                           "Customers with smaller loans will typically pay less over the product
                                life if they select products with smaller fees, despite the higher interest rates payable."




FOR THE USE OF MORTGAGE INTERMEDIARIES AND OTHER PROFESSIONALS ONLY.
Withdrawn Products - 22/05/2012

Accounts       Accounts
Starting 10/   Starting A/
FAA680         FRR265
FAA980         FRR624
                                                                                     HMV & FTB
                                                                                    23rd May 2012
                                                                                              Fixed
                                                                                                                                   Product Code      Product Code
Product                                                                           Max LTV
          Rate(%)      Until        Fee       Available between     Min LTV (%)                  ERCs            Complete by         (Accounts        (Accounts                       Additional Info
 Type                                                                               (%)
                                                                                                                                    starting 10/)     starting A/)

                                                                                            3% to 31/08/2013
           3.84     31/08/2014     £999       £0       £1,000,000       0           60                         30 November 2012       FAA975            FRR619                 Repayment and Interest Only
                                                                                            2% to 31/08/2014

                                                                                            3% to 31/08/2013
           4.24     31/08/2014      £0        £0       £1,000,000       0           60                         30 November 2012       FAA976            FRR620                 Repayment and Interest Only
                                                                                            2% to 31/08/2014

                                                                                            3% to 31/08/2013
2 year     4.29     31/08/2014     £999       £0       £1,000,000       0           75
                                                                                            2% to 31/08/2014
                                                                                                               30 November 2012       FAA977            FRR621                 Repayment and Interest Only


                                                                                            3% to 31/08/2013
           4.69     31/08/2014      £0        £0       £1,000,000       0           75                         30 November 2012       FAA978            FRR622                 Repayment and Interest Only
                                                                                            2% to 31/08/2014


                                                                                            3% to 31/08/2013                                                                     Not available for New Build
           5.39     31/08/2014     £999       £0       £1,000,000       75          85                         30 November 2012       FAA979            FRR623
                                                                                            2% to 31/08/2014                                                          Only available when taken on a repayment basis

                                                                                            3% to 31/08/2013
           4.14     31/08/2015     £999       £0       £1,000,000       0           60                         30 November 2012       FAA981            FRR625                 Repayment and Interest Only
                                                                                            2% to 31/08/2015

                                                                                            3% to 31/08/2013
           4.44     31/08/2015      £0        £0       £1,000,000       0           60                         30 November 2012       FAA982            FRR626                 Repayment and Interest Only
                                                                                            2% to 31/08/2015


                                                                                            3% to 31/08/2013
           4.54     31/08/2015     £999       £0       £1,000,000       0           75                         30 November 2012       FAA983            FRR627                 Repayment and Interest Only
                                                                                            2% to 31/08/2015
3 year
                                                                                            3% to 31/08/2013
           4.84     31/08/2015      £0        £0       £1,000,000       0           75                         30 November 2012       FAA984            FRR628                 Repayment and Interest Only
                                                                                            2% to 31/08/2015

                                                                                            3% to 31/08/2013                                                                     Not available for New Build
           5.49     31/08/2015     £999       £0       £1,000,000       75          85                         30 November 2012       FAA679            FRR264
                                                                                            2% to 31/08/2015                                                          Only available when taken on a repayment basis

                                                                                            3% to 31/08/2013                                                                     Not available for New Build
           6.69     31/08/2015     £999       £0        £750,000        85          90                         30 November 2012       FAB081            FRR731
                                                                                            2% to 31/08/2015                                                          Only available when taken on a repayment basis

                                                                                            5% to 31/08/2013
           4.69     31/08/2017     £999       £0       £1,000,000       0           60      4% to 31/08/2014   30 November 2012       FAA694            FRR284                 Repayment and Interest Only
                                                                                            3% to 31/08/2017
                                                                                            5% to 31/08/2013
           4.89     31/08/2017      £0        £0       £1,000,000       0           60      4% to 31/08/2014   30 November 2012       FAA695            FRR285                 Repayment and Interest Only
                                                                                            3% to 31/08/2017
                                                                                            5% to 31/08/2013
           4.79     31/08/2017     £999       £0       £1,000,000       0           75      4% to 31/08/2014   30 November 2012       FAA689            FRR279                 Repayment and Interest Only
                                                                                            3% to 31/08/2017
5 year
                                                                                            5% to 31/08/2013
           4.99     31/08/2017      £0        £0       £1,000,000       0           75      4% to 31/08/2014   30 November 2012       FAA690            FRR280                 Repayment and Interest Only
                                                                                            3% to 31/08/2017

                                                                                            5% to 31/08/2013
                                                                                                                                                                                 Not available for New Build
           6.09     31/08/2017     £999       £0       £1,000,000       75          85      4% to 31/08/2014   30 November 2012       FAA703            FRR295
                                                                                                                                                                      Only available when taken on a repayment basis
                                                                                            3% to 31/08/2017

                                                                                            5% to 31/08/2013
                                                                                                                                                                                 Not available for New Build
           6.99     31/08/2017     £999       £0        £750,000        85          90      4% to 31/08/2014   30 November 2012       FAA704            FRR296
                                                                                                                                                                      Only available when taken on a repayment basis
                                                                                            3% to 31/08/2017




                                                                                            Tracker
                                                                                                                                                     Product Code     Product Code
Product                                                                           Min LTV
          Rate(%)   Tracks BOE     Until      Fee         Available between                  Max LTV (%)            ERCs            Complete By        (Accounts       (Accounts              Additional Info
 Type                                                                               (%)
                                                                                                                                                      starting 10/)    starting A/)

                                                                                                               3% to 31/08/2013
2 year     3.69       +3.19      31/08/2014   £999         £0       £1,000,000       0            60
                                                                                                               2% to 31/08/2014
                                                                                                                                  30 November 2012      TAA174           CLK892         Repayment and Interest Only
                                                                                                          REM
                                                                                                     23rd May 2012
With our remortgage service we will pay our legal fees or your customer can arrange their own conveyancer and pay their own costs.
There is no charge for a property assessment

                                                                                                     Fixed
                                                                                                                                                                        Product Code
 Product                                                                                  Max LTV                                                 Product Code
             Rate(%)       Until          Fee         Available between     Min LTV (%)                    ERCs              Complete by                                  (Accounts            Additional Info
  Type                                                                                      (%)                                               (Accounts starting 10/)
                                                                                                                                                                         starting A/)

                                                                                                     3% to 31/08/2013
              3.94       31/08/2014       £999         £0      £1,000,000        0          60                            30 November 2012           FAA985                FRR629        Repayment and Interest Only
                                                                                                     2% to 31/08/2014

                                                                                                     3% to 31/08/2013
 2 year       4.34       31/08/2014        £0          £0      £1,000,000        0          60
                                                                                                     2% to 31/08/2014
                                                                                                                          30 November 2012           FAA986                FRR630        Repayment and Interest Only


                                                                                                     3% to 31/08/2013
              4.49       31/08/2014       £999         £0      £1,000,000        0          75                            30 November 2012           FAA987                FRR631        Repayment and Interest Only
                                                                                                     2% to 31/08/2014

                                                                                                     3% to 31/08/2013
              4.19       31/08/2015       £999         £0      £1,000,000        0          60                            30 November 2012           FAA988                FRR632        Repayment and Interest Only
                                                                                                     2% to 31/08/2015

                                                                                                     3% to 31/08/2013
              4.49       31/08/2015        £0          £0      £1,000,000        0          60                            30 November 2012           FAA989                FRR633        Repayment and Interest Only
                                                                                                     2% to 31/08/2015
 3 year
                                                                                                     3% to 31/08/2013
              4.69       31/08/2015       £999         £0      £1,000,000        0          75                            30 November 2012           FAA990                FRR634        Repayment and Interest Only
                                                                                                     2% to 31/08/2015

                                                                                                     3% to 31/08/2013                                                                    Only available when taken on
              5.54       31/08/2015       £999         £0      £1,000,000       75          85                            30 November 2012           FAA682                FRR267
                                                                                                     2% to 31/08/2015                                                                         a repayment basis

                                                                                                     5% to 31/08/2013
              4.79       31/08/2017       £999         £0      £1,000,000        0          60       4% to 31/08/2014     30 November 2012           FAA696                FRR286        Repayment and Interest Only
                                                                                                     3% to 31/08/2017
                                                                                                     5% to 31/08/2013
              4.99       31/08/2017        £0          £0      £1,000,000        0          60       4% to 31/08/2014     30 November 2012           FAA697                FRR287        Repayment and Interest Only
                                                                                                     3% to 31/08/2017
 5 year                                                                                              5% to 31/08/2013
              4.99       31/08/2017       £999         £0      £1,000,000        0          75       4% to 31/08/2014     30 November 2012           FAA691                FRR281        Repayment and Interest Only
                                                                                                     3% to 31/08/2017
                                                                                                     5% to 31/08/2013
                                                                                                                                                                                         Only available when taken on
              6.09       31/08/2017       £999         £0      £1,000,000       75          85       4% to 31/08/2014     30 November 2012           FAA681                FRR266
                                                                                                                                                                                              a repayment basis
                                                                                                     3% to 31/08/2017



                                                                                                              Tracker
                                                                                                                                                                        Product Code
 Product                                                                                  Min LTV                                                                                              Product Code
             Rate(%)    Tracks BOE        Until        Fee        Available between                    Max LTV (%)              ERCs              Complete By             (Accounts                                        Additional Info
  Type                                                                                      (%)                                                                                            (Accounts starting A/)
                                                                                                                                                                         starting 10/)

                                                                                                                           3% to 31/08/2013                                                                             Repayment and Interest
 2 year       3.74         +3.24       31/08/2014     £999         £0       £1,000,000       0              60
                                                                                                                           2% to 31/08/2014
                                                                                                                                                30 November 2012           TAA175                  CLK893
                                                                                                                                                                                                                               Only
                                                             HMV & FTB Large Loans - Repayment
                                                                      23rd May 2012
These products are not available to Retirement Home plan or Consent to Lease customers

                                                                                            Fixed
                                                                                                                                                                                  Product Code
  Product                                                                                                                                                   Product Code
              Rate(%)       Until          Fee            Available between       Min LTV (%)   Max LTV (%)          ERCs              Complete by                                 (Accounts
   Type                                                                                                                                                 (Accounts starting 10/)
                                                                                                                                                                                   starting A/)

                                                                                                               3% to 31/08/2013
                4.09      31/08/2014       £999       £1,000,000    £2,000,000         0             60                              30 November 2012          FAA991               FRR635
                                                                                                               2% to 31/08/2014

                                                                                                               3% to 31/08/2013
                4.39      31/08/2014       £999       £2,000,000    £5,000,000         0             70                              30 November 2012          FAA992               FRR636
  2 year                                                                                                       2% to 31/08/2014


                                                                                                               3% to 31/08/2013
                4.89      31/08/2014       £999       £1,000,000    £2,000,000         60            80                              30 November 2012          FAA993               FRR637
                                                                                                               2% to 31/08/2014


                                                                                                               3% to 31/08/2013
                4.35      31/08/2015       £999       £1,000,000    £2,000,000         0             60                              30 November 2012          FAA712               FRR272
                                                                                                               2% to 31/08/2015
  3 year
                                                                                                               3% to 31/08/2013
                4.95      31/08/2015       £999       £1,000,000    £2,000,000         60            80                              30 November 2012          FAA713               FRR273
                                                                                                               2% to 31/08/2015



                                                                                                  Tracker
                                                                                                                                                                                  Product Code     Product Code
  Product
              Rate(%)    Tracks BOE        Until          Fee           Available between       Min LTV (%)      Max LTV (%)              ERCs              Complete By             (Accounts       (Accounts
   Type
                                                                                                                                                                                   starting 10/)    starting A/)
                                                                                                                                     3% to 31/08/2013
                4.04        +3.54       31/08/2014       £999       £1,000,000     £2,000,000         0               60                                  30 November 2012           TAA176          CLK894
                                                                                                                                     2% to 31/08/2014
                                                                                                                                     3% to 31/08/2013
  2 year        4.24        +3.74       31/08/2014       £999       £1,000,000     £2,000,000        60               70                                  30 November 2012           TAA177          CLK895
                                                                                                                                     2% to 31/08/2014

                                                                                                                                     3% to 31/08/2013
                4.44        +3.94       31/08/2014       £999       £1,000,000     £2,000,000        70               80                                  30 November 2012           TAA178          CLK896
                                                                                                                                     2% to 31/08/2014




                                                                     REM Large Loans - Repayment
With our remortgage service we will pay our legal fees or your customer can arrange their own conveyancer and pay their own costs.
There is no charge for a property assessment
These products are not available to Retirement Home plan or Consent to Lease customers

                                                                                            Fixed
                                                                                                                                                                                  Product Code
  Product                                                                                                                                                   Product Code
              Rate(%)       Until          Fee            Available between       Min LTV (%)   Max LTV (%)          ERCs              Complete by                                 (Accounts
   Type                                                                                                                                                 (Accounts starting 10/)
                                                                                                                                                                                   starting A/)

                                                                                                               3% to 31/08/2013
                4.14      31/08/2014       £999       £1,000,000    £2,000,000         0             60                              30 November 2012          FAA994               FRR638
                                                                                                               2% to 31/08/2014


                                                                                                               3% to 31/08/2013
  2 year        4.44      31/08/2014       £999       £2,000,000    £5,000,000         0             70
                                                                                                               2% to 31/08/2014
                                                                                                                                     30 November 2012          FAA995               FRR639


                                                                                                               3% to 31/08/2013
                4.94      31/08/2014       £999       £1,000,000    £2,000,000         60            80                              30 November 2012          FAA996               FRR640
                                                                                                               2% to 31/08/2014


                                                                                                               3% to 31/08/2013
                4.55      31/08/2015       £999       £1,000,000    £2,000,000         0             60                              30 November 2012          FAA715               FRR275
                                                                                                               2% to 31/08/2015
  3 year
                                                                                                               3% to 31/08/2013
                4.95      31/08/2015       £999       £1,000,000    £2,000,000         60            80                              30 November 2012          FAA716               FRR276
                                                                                                               2% to 31/08/2015




                                                                                                  Tracker
                                                                                                                                                                                  Product Code     Product Code
  Product
              Rate(%)    Tracks BOE        Until          Fee           Available between       Min LTV (%)      Max LTV (%)              ERCs              Complete By             (Accounts       (Accounts
   Type
                                                                                                                                                                                   starting 10/)    starting A/)

                                                                                                                                     3% to 31/08/2013
  2 year        4.04        +3.54       31/08/2014       £999       £1,000,000     £2,000,000         0               60
                                                                                                                                     2% to 31/08/2014
                                                                                                                                                          30 November 2012           TAA179          CLK897
                                                                                            New Build
                                                                                          23rd May 2012

                                                                                       Fixed
                                                                                                                                Product Code     Product Code
                                                                                Max LTV
Product Type   Rate(%)     Until      Fee    Available between    Min LTV (%)                   ERCs           Complete by        (Accounts       (Accounts            Additional Info
                                                                                  (%)
                                                                                                                                 starting 10/)    starting A/)

                                                                                           3% to 31/08/2013                                                        New Build Cases Only
                4.09     31/08/2014   £999    £0       £500,000        0          60                          31 January 2013      FAA997          FRR641
                                                                                           2% to 31/08/2014                                                      Repayment and Interest Only


                                                                                           3% to 31/08/2013                                                        New Build Cases Only
                4.39     31/08/2014   £0      £0       £500,000        0          60                          31 January 2013      FAA998          FRR642
                                                                                           2% to 31/08/2014                                                      Repayment and Interest Only


                                                                                           3% to 31/08/2013                                                        New Build Cases Only
                4.39     31/08/2014   £999    £0       £500,000        0          75                          31 January 2013      FAA999          FRR643
                                                                                           2% to 31/08/2014                                                      Repayment and Interest Only
  2 year
                                                                                           3% to 31/08/2013                                                        New Build Cases Only
                4.69     31/08/2014   £0      £0       £500,000        0          75                          31 January 2013      FAB001          FRR644
                                                                                           2% to 31/08/2014                                                      Repayment and Interest Only

                                                                                                                                                                    New Build Cases Only
                                                                                           3% to 31/08/2013
                4.69     31/08/2014   £999    £0       £500,000       75          80                          31 January 2013      FAB002          FRR645        Only available when taken on
                                                                                           2% to 31/08/2014
                                                                                                                                                                      a repayment basis
                                                                                                                                                                    New Build Cases Only
                                                                                           3% to 31/08/2013
                4.99     31/08/2014   £0      £0       £500,000       75          80                          31 January 2013      FAB003          FRR646        Only available when taken on
                                                                                           2% to 31/08/2014
                                                                                                                                                                      a repayment basis
                                                         Affordable Housing
                                                            23rd May 2012
                                            Shared Equity and Shared Ownership Schemes
These products are not available to Retirement Home plan or Consent to Lease customers

                                                                              Fixed
                                                                   Homemover and First Time Buyer
                                                                                                                                     Product Code     Product Code
  Product                                                                Min LTV    Max LTV
              Rate(%)       Until        Fee       Available between                                ERCs             Complete by       (Accounts       (Accounts             Additional Info
   Type                                                                    (%)        (%)
                                                                                                                                      starting 10/)    starting A/)

                                                                                                                                                                      Only available when taken on a
                                                                                               3% to 31/08/2013
                4.14     31/08/2014     £999         £0      £500,000       0          60                          31 January 2013      FAB004          FRR647               repayment basis
                                                                                               2% to 31/08/2014
                                                                                                                                                                      Cannot be mixed and matched

                                                                                                                                                                      Only available when taken on a
                                                                                               3% to 31/08/2013
                4.39     31/08/2014     £999         £0      £500,000       0          75                          31 January 2013      FAB005          FRR648               repayment basis
                                                                                               2% to 31/08/2014
                                                                                                                                                                      Cannot be mixed and matched
  2 year
                                                                                                                                                                      Only available when taken on a
                                                                                               3% to 31/08/2013
                4.99     31/08/2014     £999         £0      £500,000       75         80                          31 January 2013      FAA698          FRR288               repayment basis
                                                                                               2% to 31/08/2014
                                                                                                                                                                      Cannot be mixed and matched
                                                                                                                                                                       Not available for New Build
                                                                                               3% to 31/08/2013                                                       Only available when taken on a
                6.49     31/08/2014     £999         £0      £500,000       80         90                         30 November 2012      FAA693          FRR283
                                                                                               2% to 31/08/2014                                                              repayment basis
                                                                                                                                                                      Cannot be mixed and matched

With our remortgage service we will pay our legal fees or your customer can arrange their own conveyancer and pay their own costs.
There is no charge for a property assessment
These products are not available to Retirement Home plan or Consent to Lease customers

                                                                      Fixed
                                               Remortgage Service, Remortgage use own conveyancer
                                                                                                                                     Product Code     Product Code
  Product                                                                Min LTV    Max LTV
              Rate(%)       Until        Fee       Available between                                ERCs             Complete by       (Accounts       (Accounts             Additional Info
   Type                                                                    (%)        (%)
                                                                                                                                      starting 10/)    starting A/)
                                                                                                                                                                      Only available when taken on a
                                                                                               3% to 31/08/2013
                4.24     31/08/2014     £999         £0      £500,000       0          60                          31 January 2013      FAB006          FRR649               repayment basis
                                                                                               2% to 31/08/2014
                                                                                                                                                                      Cannot be mixed and matched

                                                                                                                                                                      Only available when taken on a
                                                                                               3% to 31/08/2013
  2 year        4.49     31/08/2014     £999         £0      £500,000       0          75                          31 January 2013      FAB007          FRR650               repayment basis
                                                                                               2% to 31/08/2014
                                                                                                                                                                      Cannot be mixed and matched

                                                                                                                                                                      Only available when taken on a
                                                                                               3% to 31/08/2013
                5.49     31/08/2014     £999         £0      £500,000       75         85                          31 January 2013      FAA741          FRR326               repayment basis
                                                                                               2% to 31/08/2014
                                                                                                                                                                      Cannot be mixed and matched
                                                              First Buy Scheme
                                                                23rd May 2012
                                                            Shared Equity Schemes
                                                                Fixed
                                                     Homemover and First Time Buyer
                                                                                                                     Product Code     Product Code
Product                                                     Min LTV   Max LTV
          Rate(%)     Until      Fee   Available between                             ERCs           Complete by        (Accounts       (Accounts            Additional Info
 Type                                                         (%)       (%)
                                                                                                                      starting 10/)    starting A/)

                                                                                                                                                      Only available when taken on
                                                                                3% to 31/08/2013
2 year     4.59     31/08/2014   £0     £0       £500,000      0        75
                                                                                2% to 31/08/2014
                                                                                                   31 January 2013      FAB008          FRR658             a repayment basis
                                                                                                                                                      Cannot be mixed and matched
                                                       Retirement Home Plan (RHP)
                                                              23rd May 2012
                                                                                 Tracker
                                                                                                                                         Product Code     Product Code
Product                                                                    Min LTV
          Rate(%)   Tracks BOE     Until      Fee    Available between               Max LTV (%)        ERCs            Complete By        (Accounts       (Accounts       Additional Info
 Type                                                                        (%)
                                                                                                                                          starting 10/)    starting A/)

                                                                                                                                                                            Existing RHP
                                                                                                   3% to 31/08/2013
2 year     4.24       +3.74      31/08/2014   £295    £0      £1,000,000     0           75
                                                                                                   2% to 31/08/2014
                                                                                                                      30 November 2012      TAA130          CLK824        customers moving
                                                                                                                                                                              home only
                                                                  HMV - Existing Halifax & BoS Customers
                                                                               23rd May 2012
                      THIS PRODUCT IS AVAILABLE FOR EXISTING HALIFAX & BOS MORTGAGE CUSTOMERS FOR TOP UP WHEN PORTING ONLY

These products are not available to Consent to Lease customers

                                                                                               Fixed
                                                                                                                                         Product Code      Product Code
 Product                                                                                Max LTV
            Rate(%)      Until         Fee         Available between      Min LTV (%)                  ERCs            Complete by         (Accounts        (Accounts             Additional Info
  Type                                                                                    (%)
                                                                                                                                          starting 10/)     starting A/)
                                                                                                                                                                            Available to existing HX and
                                                                                                  3% to 31/08/2013                                                             BoS customers only
 2 year       6.64     31/08/2014     £1,999     £1,000,000 £7,500,000         0          75
                                                                                                  2% to 31/08/2014
                                                                                                                     30 November 2012       FAA688            FRR278
                                                                                                                                                                             Only available when taken
                                                                                                                                                                              on an repayment basis




                                                                                                        Tracker
                                                                                                                                                           Product Code
 Product                                                                                Min LTV                                                                                   Product Code
            Rate(%)   Tracks BOE      Until         Fee          Available between                 Max LTV (%)            ERCs            Complete By        (Accounts                                           Additional Info
  Type                                                                                    (%)                                                                                 (Accounts starting A/)
                                                                                                                                                            starting 10/)
                                                                                                                                                                                                           Available to existing HX and
                                                                                                                     3% to 31/08/2013                                                                         BoS customers only
              3.69       +3.19      31/08/2014    £1,999    £1,000,000    £7,500,000       0            60                              30 November 2012      TAA128                 CLK822
                                                                                                                     2% to 31/08/2014                                                                       Only available when taken
                                                                                                                                                                                                             on an repayment basis
 2 year
                                                                                                                                                                                                           Available to existing HX and
                                                                                                                     3% to 31/08/2013                                                                         BoS customers only
              3.99       +3.49      31/08/2014    £1,999    £1,000,000    £7,500,000       0            75                              30 November 2012      TAA129                 CLK823
                                                                                                                     2% to 31/08/2014                                                                       Only available when taken
                                                                                                                                                                                                             on an repayment basis
                                                                                  Product Transfers
                                                                                    23rd May 2012
Available to Halifax mortgage customers where their mortgage deal is coming to an end, these products are also for additional lending when taking place at the same time as a further
advance.
These products are not available to Consent to Lease customers.
Please note the loan availability is based on the total mortgage debt.

                                                                                         Fixed
                                                                                                                                                                          Product Code
  Product Type      Rate(%)         Until           Fee              Available between           Min LTV (%)   Max LTV (%)           ERCs              Transfer By      (Accounts starting
                                                                                                                                                                               A/)

                                                                                                                                3% to 31/08/2013
                      3.74       31/08/2014          £0           £5,000          £7,500,000          0             60                              30 November 2012          FRR459
                                                                                                                                2% to 31/08/2014


                                                                                                                                3% to 31/08/2013
                      3.99       31/08/2014          £0           £5,000          £7,500,000          60            75                              30 November 2012          FRR449
                                                                                                                                2% to 31/08/2014
     2 year
                                                                                                                                3% to 31/08/2013
                      4.39       31/08/2014          £0           £5,000          £7,500,000          75            85                              30 November 2012          FRR457
                                                                                                                                2% to 31/08/2014

                                                                                                                                3% to 31/08/2013
                      4.49       31/08/2014          £0           £5,000          £7,500,000          85            120                             30 November 2012          FRR458
                                                                                                                                2% to 31/08/2014
                                                                                         Further Advances
                                                                                          23rd May 2012
These products are not available for customers on Consent to Lease
Please note the loan availability is based on the total mortgage debt
There is an additional £99 further advance arrangement fee. This can be added to the loan or paid up front.
Further advance applications will not be permitted within 6 months of completion of the original mortgage.
These products are also for additional lending when taking place at the same time as a further advance.Where additional borrowing is taking place, all debt that is not tied must be transferred to a new product.

                                                                                             Fixed
                                                                                                                                                                                   Product Code
  Product Type      Rate(%)         Until            Fee           Available between       Min LTV (%)   Max LTV (%)               ERCs                    Transfer By
                                                                                                                                                                               (Accounts starting A/)


                                                                                                                             3% to 31/08/2013
                      5.49        31/08/2014         £895         £5,000     £7,500,000         0              60                                       30 November 2012              FRR450
                                                                                                                             2% to 31/08/2014


                                                                                                                             3% to 31/08/2013
     2 year           5.59        31/08/2014         £895         £5,000     £7,500,000         60             75                                       30 November 2012              FRR451
                                                                                                                             2% to 31/08/2014


                                                                                                                             3% to 31/08/2013
                      5.69        31/08/2014         £895         £5,000     £7,500,000         75             80                                       30 November 2012              FRR455
                                                                                                                             2% to 31/08/2014


                                                                                                                             3% to 31/08/2013
                      6.29        31/08/2015          £0          £5,000     £7,500,000         0              60                                       30 November 2012              FRR452
                                                                                                                             2% to 31/08/2015


                                                                                                                             3% to 31/08/2013
     3 year           6.39        31/08/2015          £0          £5,000     £7,500,000         60             75                                       30 November 2012              FRR453
                                                                                                                             2% to 31/08/2015


                                                                                                                             3% to 31/08/2013
                      6.49        31/08/2015          £0          £5,000     £7,500,000         75             80                                       30 November 2012              FRR456
                                                                                                                             2% to 31/08/2015



                                                                                                     Tracker
                                                                                                                                                                                                        Product Code
  Product Type      Rate(%)      Tracks BOE          Until         Fee           Available between        Min LTV (%)          Max LTV (%)                    ERCs                  Transfer By          (Accounts
                                                                                                                                                                                                         starting A/)


                      6.29          +5.79           Term           £895         £5,000      £7,500,000         0                    60                         N/A               30 November 2012          CLK859



      Term            6.39          +5.89           Term           £895         £5,000      £7,500,000         60                   75                         N/A               30 November 2012          CLK860



                      6.49          +5.99           Term           £895         £5,000      £7,500,000         75                   80                         N/A               30 November 2012          CLK861
                                                Large Loans - Further Advances
                                                        23rd May 2012
These products are not available for customers on Consent to Lease
Please note the loan availability is based on the total mortgage debt
There is an additional £99 further advance arrangement fee. This can be added to the loan or paid up front.
Further advance applications will not be permitted within 6 months of completion of the original mortgage.

                                                                                 Fixed
                                                                                                                                                    Product Code
Product Type      Rate(%)          Until         Fee       Available between     Min LTV (%) Max LTV (%)           ERCs            Transfer By       (Accounts
                                                                                                                                                     starting A/)

                                                                                                              3% to 31/08/2013
   2 year           3.99        31/08/2014      £895     £100,000   £7,500,000        0            60
                                                                                                              2% to 31/08/2014
                                                                                                                                 30 November 2012     FRR454

				
DOCUMENT INFO
Categories:
Tags:
Stats:
views:9
posted:6/2/2012
language:
pages:13