Int Only

Term | Until 31 August 2029 |

Initial Rate^{1} |
5.43% |

Overall Cost For Comparison^{2} |
6.7% APRC |

MAX LTV^{3} |
95% of the share being purchased, 75% property value |

Early Repayment Charge | 3% until 31 August 2027, 2% until 31 August 2028, 1% until 31 August 2029 |

Product Fees | None |

A mortgage of £104,750.00 payable over 35 years initially on a fixed rate of 5.43% until 31 August 2029 then on our follow-on rate of a 1.74% discount off our standard variable rate (currently 8.89%) giving a rate of 7.15% variable for the remaining 29 years 8 months would require 63 monthly payments of £558.18 and 356 monthly payments of £668.30; plus one initial interest payment of £481.76.

The total amount payable would be £274,061.90 made up of the loan amount, plus interest and fee(s) totalling £169,311.90. This includes Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£125).

A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example.

Term | Fixed until 31 August 2029 |

Initial Rate^{1} |
5.79% |

Overall Cost For Comparison^{2} |
6.8% APRC |

MAX LTV^{3} |
Up to 95% LTV |

Early Repayment Charge | 3% until 31 August 2027, 2% until 31 August 2028, 1% until 31 August 2029 |

Product Fees | £199 Application Fee, No Completion Fee |

- The £199 Application Fee is non-refundable and payable at the point of application

Term | Fixed until 15 June 2029 |

Initial Rate^{1} |
5.39% |

Overall Cost For Comparison^{2} |
7.7% APRC |

MAX LTV^{3} |
75% |

Early Repayment Charge | 3% until 15 June 2027, then 2% until 15 June 2028 and then 1% until 15 June 2029 |

Product Fees | £199 application fee, £1,499 completion fee |

- The £199 Application Fee is non-refundable and payable at the point of application
- The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

## Fee Amount |
## Rate |
## Value of the fee with interest at 10 years |
## Value of the fee with interest at 15 years |
## Value of the fee with interest at 25 years |

£1,000 | 8.89% | £1,889.00 | £2,333.50 | £3,222.50 |

Term | Fixed until 15 June 2029 |

Initial Rate^{1} |
5.99% |

Overall Cost For Comparison^{2} |
7.9% APRC |

MAX LTV^{3} |
75% |

Early Repayment Charge | 3% until 15 June 2027, then 2% until 15 June 2028 and then 1% until 15 June 2029 |

Product Fees | £199 application fee, £999 completion fee |

- The £199 Application Fee is non-refundable and payable at the point of application
- The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

## Fee Amount |
## Rate |
## Value of the fee with interest at 10 years |
## Value of the fee with interest at 15 years |
## Value of the fee with interest at 25 years |

£1,000 | 8.89% | £1,889.00 | £2,333.50 | £3,222.50 |

Term | 2 years |

Initial Rate^{1} |
5.79% variable |

Overall Cost For Comparison^{2} |
8.9% APRC |

MAX LTV^{3} |
75% |

Early Repayment Charge | 2% in year one, followed by 1% in year two |

Product Fees | £199 application fee, £2,499 completion fee |

- The £199 Application Fee is non-refundable and payable at the point of application
- The Completion Fee can be paid before completion or added to the loan. If the Completion Fee is added to the loan amount, interest will be charged on the amount of the fee and this will be reflected in the monthly repayment over the term of the mortgage

A £1,000 Completion Fee added to the loan amount would increase in value over the term of the mortgage and an illustrative example is provided below based on a static rate over a 10, 15 or 25 year term.

## Fee Amount |
## Rate |
## Value of the fee with interest at 10 years |
## Value of the fee with interest at 15 years |
## Value of the fee with interest at 25 years |

£1,000 | 8.89% | £1,889.00 | £2,333.50 | £3,222.50 |

Term | 2 years |

Initial Rate^{1} |
6.25% variable |

Overall Cost For Comparison^{2} |
8.9% APRC |

MAX LTV^{3} |
75% |

Early Repayment Charge | 2% in Year 1, 1% in Year 2 |

Product Fees | £199 application fee, £1,499 completion fee |

- The £199 Application Fee is non-refundable and payable at the point of application

## Fee Amount |
## Rate |
## Value of the fee with interest at 10 years |
## Value of the fee with interest at 15 years |
## Value of the fee with interest at 25 years |

£1,000 | 8.89% | £1,889.00 | £2,333.50 | £3,222.50 |

Term | 2 years |

Initial Rate^{1} |
5.99% variable |

Overall Cost For Comparison^{2} |
8.9% APRC |

MAX LTV^{3} |
75% |

Early Repayment Charge | 2% in Year 1, 1% in Year 2 |

Product Fees | £199 application fee, £1,499 completion fee |

- The £199 Application Fee is non-refundable and payable at the point of application

## Fee Amount |
## Rate |
## Value of the fee with interest at 10 years |
## Value of the fee with interest at 15 years |
## Value of the fee with interest at 25 years |

£1,000 | 8.49% | £1,849.00 | £2,273.50 | £3,122.50 |

Term | 2 years |

Initial Rate^{1} |
5.98% variable |

Overall Cost For Comparison^{2} |
8.9% APRC |

MAX LTV^{3} |
75% |

Early Repayment Charge | 2% in Year 1, 1% in Year 2 |

Product Fees | £199 application fee, £1,499 completion fee |

- The £199 Application Fee is non-refundable and payable at the point of application

## Fee Amount |
## Rate |
## Value of the fee with interest at 10 years |
## Value of the fee with interest at 15 years |
## Value of the fee with interest at 25 years |

£1,000 | 8.89% | £1,889.00 | £2,333.50 | £3,222.50 |

Term | 2 years |

Initial Rate^{1} |
5.89% variable |

Overall Cost For Comparison^{2} |
8.8% APRC |

MAX LTV^{3} |
75% |

Early Repayment Charge | 2% in Year 1, 1% in Year 2 |

Product Fees | £199 application fee, £1,499 completion fee |

- The £199 Application Fee is non-refundable and payable at the point of application

## Fee Amount |
## Rate |
## Value of the fee with interest at 10 years |
## Value of the fee with interest at 15 years |
## Value of the fee with interest at 25 years |

£1,000 | 8.89% | £1,889.00 | £2,333.50 | £3,222.50 |

Term | 2 years |

Initial Rate^{1} |
5.89% |

Overall Cost For Comparison^{2} |
7.3% APRC |

MAX LTV^{3} |
Over 80% and up to 90% |

Early Repayment Charge | 2% in Year 1, 1% in Year 2 |

Product Fees | £199 Application Fee, £800 Completion Fee |

- The £199 Application Fee is non-refundable and payable at the point of application

## Fee Amount |
## Rate |
## Value of the fee with interest at 10 years |
## Value of the fee with interest at 15 years |
## Value of the fee with interest at 25 years |

£1,000 | 7.15% | £1,715.00 | £2,072.50 | £2,757.50 |

Term | 2 years |

Initial Rate^{1} |
7.19% variable |

Overall Cost For Comparison^{2} |
8.8% APRC |

MAX LTV^{3} |
70% |

Early Repayment Charge | 2% in Year 1, 1% in Year 2 |

Product Fees | £199 Application Fee, No Completion Fee |

- The £199 Application Fee is non-refundable and payable at the point of application

Term | 2 years |

Initial Rate^{1} |
7.39% |

Overall Cost For Comparison^{2} |
9.0% APRC |

MAX LTV^{3} |
70% |

Early Repayment Charge | 2% in Year 1, 1% in Year 2 |

Product Fees | £199 Application Fee, No Completion Fee |

- The £199 Application Fee is non-refundable and payable at the point of application

Term | 2 years |

Initial Rate^{1} |
6.45% variable |

Overall Cost For Comparison^{2} |
8.7% APRC |

MAX LTV^{3} |
75% |

Early Repayment Charge | 2% in year one, followed by 1% in year two |

Product Fees | £199 application fee, £1,499 completion fee |

- The £199 Application Fee is non-refundable and payable at the point of application

## Fee Amount |
## Rate |
## Value of the fee with interest at 10 years |
## Value of the fee with interest at 15 years |
## Value of the fee with interest at 25 years |

£1,000 | 8.89% | £1,889.00 | £2,333.50 | £3,222.50 |

Term | 2 years |

Initial Rate^{1} |
5.99% |

Overall Cost For Comparison^{2} |
7.2% APRC |

MAX LTV^{3} |
95% of the share being purchased, 75% property value |

Early Repayment Charge | 2% in Year 1, 1% in Year 2 |

Product Fees | None |

A mortgage of £81,000.00 payable over 35 years initially on a fixed rate of 5.99% for 2 years then on our follow-on rate of a 1.74% discount off our standard variable rate (currently 8.89%) giving a rate of 7.15% variable for the remaining 33 years would require 23 monthly payments of £461.63 and 396 monthly payments of £524.33; plus one initial interest payment of £384.44.

The total amount payable would be £219,136.61 made up of the loan amount, plus interest and fee(s) totalling £138,136.61. This includes Legal Fees (£350), Chaps Fee (£25) and Redemption Administration Fee (£125).

A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example.

Term | 2 years |

Initial Rate^{1} |
6.99% |

Overall Cost For Comparison^{2} |
7.5% APRC |

MAX LTV^{3} |
80% |

Early Repayment Charge | 2% in Year 1, 1% in Year 2 |

Product Fees | £199 application fee, £800 completion fee |

- The £199 Application Fee is non-refundable and payable at the point of application

## Fee Amount |
## Rate |
## Value of the fee with interest at 10 years |
## Value of the fee with interest at 15 years |
## Value of the fee with interest at 25 years |

£1,000 | 7.15% | £1,715.00 | £2,072.50 | £2,787.50 |

Term | 2 years |

Initial Rate^{1} |
6.99% |

Overall Cost For Comparison^{2} |
7.4% APRC |

MAX LTV^{3} |
Over 80% and up to 85% |

Early Repayment Charge | 2% in Year 1, 1% in Year 2 |

Product Fees | £199 application fee, £800 completion fee |

- The £199 Application Fee is non-refundable and payable at the point of application

## Fee Amount |
## Rate |
## Value of the fee with interest at 10 years |
## Value of the fee with interest at 15 years |
## Value of the fee with interest at 25 years |

£1,000 | 7.15% | £1,715.00 | £2,072.50 | £2,787.50 |

Term | 2 years |

Initial Rate^{1} |
6.79% |

Overall Cost For Comparison^{2} |
7.5% APRC |

MAX LTV^{3} |
80% |

Early Repayment Charge | 2% in Year 1, 1% in Year 2 |

Product Fees | £199 application fee, £800 completion fee |

- The £199 Application Fee is non-refundable and payable at the point of application

## Fee Amount |
## Rate |
## Value of the fee with interest at 10 years |
## Value of the fee with interest at 15 years |
## Value of the fee with interest at 25 years |

£1,000 | 7.15% | £1,715.00 | £2,072.50 | £2,787.50 |

Term | 2 years |

Initial Rate^{1} |
6.29% |

Overall Cost For Comparison^{2} |
7.3% APRC |

MAX LTV^{3} |
Over 90% and up to 95% |

Early Repayment Charge | 2% in Year 1, 1% in Year 2 |

Product Fees | £199 Application Fee, No Completion Fee |

- The £199 Application Fee is non-refundable and payable at the point of application

Term | 2 years |

Initial Rate^{1} |
5.59% |

Overall Cost For Comparison^{2} |
7.2% APRC |

MAX LTV^{3} |
80% |

Early Repayment Charge | 2% in Year 1, 1% in Year 2 |

Product Fees | £199 Application Fee, £800 Completion Fee |

- The £199 Application Fee is non-refundable and payable at the point of application

## Fee Amount |
## Rate |
## Value of the fee with interest at 10 years |
## Value of the fee with interest at 15 years |
## Value of the fee with interest at 25 years |

£1,000 | 7.15% | £1,715.00 | £2,072.50 | £2,787.50 |

Term | 2 years |

Initial Rate^{1} |
6.19% variable |

Overall Cost For Comparison^{2} |
8.6% APRC |

MAX LTV^{3} |
75% |

Early Repayment Charge | 2% in Year 1, 1% in Year 2 |

Product Fees | £199 application fee, £999 completion fee |

- The £199 Application Fee is non-refundable and payable at the point of application

## Fee Amount |
## Rate |
## Value of the fee with interest at 10 years |
## Value of the fee with interest at 15 years |
## Value of the fee with interest at 25 years |

£1,000 | 8.89% | £1,889.00 | £2,333.50 | £3,222.50 |

Term | 3 Years |

Initial Rate^{1} |
6.03% Variable |

Overall Cost For Comparison^{2} |
8.4% APRC |

MAX LTV^{3} |
Over 85% and up to 95% |

Early Repayment Charge | 3% in Year 1, 2% in Year 2, 1% in Year 3 |

Product Fees | None |

A mortgage of £180,395.73 payable over 30 years initially on a discounted variable rate of 6.03% for 3 years and then on our current standard variable rate of 8.89% for the remaining 27 years would require 36 monthly payments of £1085.05 and 324 monthly payments of £1413.55.

The total amount payable would be £497,177.00 made up of the loan amount, plus interest and Redemption Administration fee (£125) totalling £316,781.27.

**The overall cost for comparison is 8.4% APRC representative.**

A representative example is designed to help understanding of the typical cost of this mortgage. This is not an illustration and is only provided as an example.

Term | 3 Years |

Initial Rate^{1} |
5.53% Variable |

Overall Cost For Comparison^{2} |
8.2% APRC |

MAX LTV^{3} |
75% |

Early Repayment Charge | 3% in Year 1, 2% in Year 2, 1% in Year 3 |

Product Fees | None |

A mortgage of £787,500.00 payable over 25 years initially on a discounted variable rate of 5.53% for 3 years and then on our current standard variable rate of 8.89% for the remaining 22 years would require 36 monthly payments of £4850.06 and 264 monthly payments of £6390.61.

The total amount payable would be £1,861,848.20 made up of the loan amount, plus interest and Redemption Administration fee (£125) totalling £1,074,348.20.

**The overall cost for comparison is 8.2% APRC representative.**

Term | 3 Years |

Initial Rate^{1} |
5.85% |

Overall Cost For Comparison^{2} |
8.4% APRC |

MAX LTV^{3} |
Over 85% and up to 95% |

Early Repayment Charge | 3% in Year 1, 2% in Year 2, 1% in Year 3 |

Product Fees | None |

A mortgage of £167,981.00 payable over 33 years initially on a fixed rate of 5.85% for 3 years and then on our current standard variable rate of 8.89% for the remaining 30 years would require 36 monthly payments of £958.64 and 360 monthly payments of £1294.61.

The total amount payable would be £500,695.64 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £332,714.64.

**The overall cost for comparison is 8.4% APRC representative.**

Term | 5 Years |

Initial Rate^{1} |
5.89% Variable |

Overall Cost For Comparison^{2} |
7.4% APRC |

MAX LTV^{3} |
55% (40% LTV up to age 65) |

Early Repayment Charge | None |

Product Fees | None |

A mortgage of £294,430.58 payable over 10 years initially on a discounted variable rate of 5.89% for 5 years and then on our current standard variable rate of 8.89% for the remaining 5 years would require 60 monthly payments of £1,445.16 and 60 monthly payments of £2,180.99.

The total amount payable would be £512,090.60 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £217,694.00.

**The overall cost for comparison is 7.4% APRC representative.**

Term | 3 Years |

Initial Rate^{1} |
5.99% |

Overall Cost For Comparison^{2} |
8.5% APRC |

MAX LTV^{3} |
95% of the share owned, 75% property value |

Early Repayment Charge | 3% in Year 1, 2% in Year 2, 1% in Year 3 |

Product Fees | None |

A mortgage of 71,759.00 payable over 35 years initially on a fixed rate of 5.99% for 3 years and then on our current standard variable rate of 8.89% for the remaining 32 years would require 36 monthly payments of £408.68 and 384 monthly payments of £549.16.

The total amount payable would be £225,714.92 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £153,955.92.

**The overall cost for comparison is 8.5% APRC representative.**

Term | 3 Years |

Initial Rate^{1} |
6.09% |

Overall Cost For Comparison^{2} |
8.5% APRC |

MAX LTV^{3} |
80% |

Early Repayment Charge | 3% in Year 1, 2% in Year 2, 1% in Year 3 |

Product Fees | None |

A mortgage of £126,365.98 payable over 23 years initially on a fixed rate of 6.09% for 3 years and then on our current standard variable rate of 8.89% for the remaining 20 years would require 36 monthly payments of £641.31 and 240 monthly payments of £936.04.

The total amount payable would be £374,227.74 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £247,861.76.

**The overall cost for comparison is 8.5% APRC representative.**

Term | 3 Years |

Initial Rate^{1} |
6.39% |

Overall Cost For Comparison^{2} |
8.6% APRC |

MAX LTV^{3} |
75% |

Early Repayment Charge | 3% in Year 1, 2% in Year 2, 1% in Year 3 |

Product Fees | None |

A mortgage of £129,850.25 payable over 25 years initially on a fixed rate of 6.39% for 3 years and then on our current standard variable rate of 8.89% for the remaining 22 years would require 36 monthly payments of £691.45 and 264 monthly payments of £961.85.

The total amount payable would be £408,795.85 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £278,945.60.

**The overall cost for comparison is 8.6% APRC representative.**

Term | 2 Years |

Initial Rate^{1} |
6.89% |

Overall Cost For Comparison^{2} |
8.7% APRC |

MAX LTV^{3} |
85% |

Early Repayment Charge | 2% in Year 1, 1% in Year 2 |

Product Fees | None |

A mortgage of £148,387.07 payable over 21 years initially on a fixed rate of 6.89% for 2 years and then on our current standard variable rate of 8.89% for the remaining 19 years would require 24 monthly payments of £1,115.57 and 228 monthly payments of £1,288.51.

The total amount payable would be £320,678.96 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £172,291.89.

**The overall cost for comparison is 8.7% APRC representative.**

Term | 3 Years |

Initial Rate^{1} |
5.49% |

Overall Cost For Comparison^{2} |
7.3% APRC |

MAX LTV^{3} |
85% |

Early Repayment Charge | 3% in Year 1, 2% in Year 2, 1% in Year 3 |

Product Fees | None |

A mortgage of £100,309 payable over 10 years initially on a fixed rate of 5.49% for 3 years and then on our current standard variable rate of 8.89% for the remaining 7 years would require 36 monthly payments of £1088.12 and 84 monthly payments of £1214.40.

The total amount payable would be £141,306.92 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £40,997.92.

**The overall cost for comparison is 7.3% APRC representative.**

Term | 5 Years |

Initial Rate^{1} |
6.99% |

Overall Cost For Comparison^{2} |
8.4% APRC |

MAX LTV^{3} |
65% |

Early Repayment Charge | 3% in Years 1-3, 2% in Year 4, 1% in Year 5 |

Product Fees | None |

A mortgage of £127,984.22 payable over 20 years initially on a fixed rate of 6.99% for 5 years and then on our current standard variable rate of 8.89% for the remaining 15 years would require 60 monthly payments of £745.51 and 180 monthly payments of £948.02.

The total amount payable would be £343,483.42 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £215,499.20.

**The overall cost for comparison is 8.4% APRC representative.**

Term | 3 Years |

Initial Rate^{1} |
6.05% Variable |

Overall Cost For Comparison^{2} |
8.4% APRC |

MAX LTV^{3} |
80% |

Early Repayment Charge | 3% in Year 1, 2% in Year 2, 1% in Year 3 |

Product Fees | None |

A mortgage of £106,789.00 payable over 17 years initially on a discounted variable rate of 6.05% for 3 years and then on our current standard variable rate of 8.89% for the remaining 14 years would require 36 monthly payments of £538.39 and 168 monthly payments of £791.14.

The total amount payable would be £259,207.56 made up of the loan amount, plus interest and Redemption Administration fee (£125) totalling £152,418.56.

**The overall cost for comparison is 8.4% APRC representative.**

Term | 3 Years |

Initial Rate^{1} |
6.05% Variable |

Overall Cost For Comparison^{2} |
8.4% APRC |

MAX LTV^{3} |
75% |

Early Repayment Charge | 3% in Year 1, 2% in Year 2, 1% in Year 3 |

Product Fees | None |

A mortgage of £128,665.11 payable over 20 years initially on a variable rate of 6.05% for 3 years and then on our current standard variable rate of 8.89% for the remaining 17 years would require 36 monthly payments of £648.69 and 204 monthly payments of £953.07.

The total amount payable would be £346,569.23 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £217,904.12.

**The overall cost for comparison is 8.4% APRC representative.**

Term | 3 Years |

Initial Rate^{1} |
6.19% Variable |

Overall Cost For Comparison^{2} |
8.5% APRC |

MAX LTV^{3} |
75% |

Early Repayment Charge | 3% in year 1, 2% in Year 2, 1% in Year 3 |

Product Fees | None |

A mortgage of £129,850.25 payable over 25 years initially on a discounted variable rate of 6.19% for 3 years and then on our current standard variable rate of 8.89% for the remaining 22 years would require 36 monthly payments of £669.81 and 264 monthly payments of £961.85.

The total amount payable would be £408,016.81 made up of the loan amount, plus interest and Redemption Administration fee (£125) totalling £278,166.56.

**The overall cost for comparison is 8.5% APRC representative.**

Term | 2 Years |

Initial Rate^{1} |
6.39% Variable |

Overall Cost For Comparison^{2} |
8.6% APRC |

MAX LTV^{3} |
85% |

Early Repayment Charge | 2% in Year 1, 1% in Year 2 |

Product Fees | None |

A mortgage of £148,748.23 payable over 21 years initially on a variable rate, currently 6.39% for 2 years and then on our current standard variable rate of 8.89% for the remaining 19 years would require 24 monthly payments of £1073.69 and 228 monthly payments of £1287.92.

The total amount payable would be £319,539.32 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £170,791.09.

**The overall cost for comparison is 8.6% APRC representative.**

Term | 2 years |

Initial Rate^{1} |
6.39% variable |

Overall Cost For Comparison^{2} |
7.2% APRC |

MAX LTV^{3} |
80% |

Early Repayment Charge | 2% in year one, followed by 1% in year two |

Product Fees | £199 application fee, £800 completion fee |

- The £199 Application Fee is non-refundable and payable at the point of application

## Fee Amount |
## Rate |
## Value of the fee with interest at 10 years |
## Value of the fee with interest at 15 years |
## Value of the fee with interest at 25 years |

£1,000 | 7.15% | £1,715.00 | £2,072.50 | £2,787.50 |

Term | 2 years |

Initial Rate^{1} |
6.89% variable |

Overall Cost For Comparison^{2} |
7.4% APRC |

MAX LTV^{3} |
Over 80% and up to 85% |

Early Repayment Charge | 2% in Year 1, 1% in Year 2 |

Product Fees | £199 application fee, £800 completion fee |

- The £199 Application Fee is non-refundable and payable at the point of application

## Fee Amount |
## Rate |
## Value of the fee with interest at 10 years |
## Value of the fee with interest at 15 years |
## Value of the fee with interest at 25 years |

£1,000 | 7.15% | £1,715.00 | £2,072.50 | £2,787.50 |

Term | 2 years |

Initial Rate^{1} |
6.65% variable |

Overall Cost For Comparison^{2} |
7.3% APRC |

MAX LTV^{3} |
80% |

Early Repayment Charge | 2% in Year 1, 1% in Year 2 |

Product Fees | £199 Application Fee, £800 Completion Fee |

- The £199 Application Fee is non-refundable and payable at the point of application

## Fee Amount |
## Rate |
## Value of the fee with interest at 10 years |
## Value of the fee with interest at 15 years |
## Value of the fee with interest at 25 years |

£1,000 | 7.15% | £1,715.00 | £2,072.50 | £2,787.50 |

Term | 5 years |

Initial Rate^{1} |
5.89% variable |

Overall Cost For Comparison^{2} |
7.0% APRC |

MAX LTV^{3} |
55% (age 65+), 40% (up to age 65) |

Early Repayment Charge | NIL |

Product Fees | £199 application fee, £300 completion fee |

- The £199 Application Fee is non-refundable and payable at the point of application

## Fee Amount |
## Rate |
## Value of the fee with interest at 10 years |
## Value of the fee with interest at 15 years |
## Value of the fee with interest at 25 years |

£1,000 | 7.15% | £1,715.00 | £2,072.50 | £2,787.50 |

Term | 2 years |

Initial Rate^{1} |
6.65% variable |

Overall Cost For Comparison^{2} |
7.3% APRC |

MAX LTV^{3} |
over 90% and up to 95% |

Early Repayment Charge | 2% in year one, followed by 1% in year two |

Product Fees | £199 Application Fee, No Completion Fee |

- The £199 Application Fee is non-refundable and payable at the point of application

Term | 2 years |

Initial Rate^{1} |
5.65% variable |

Overall Cost For Comparison^{2} |
7.2% APRC |

MAX LTV^{3} |
80% |

Early Repayment Charge | 2% in Year 1, 1% in Year 2 |

Product Fees | £199 application fee, £800 completion fee |

- The £199 Application Fee is non-refundable and payable at the point of application

## Fee Amount |
## Rate |
## Value of the fee with interest at 10 years |
## Value of the fee with interest at 15 years |
## Value of the fee with interest at 25 years |

£1,000 | 7.15% | £1,715.00 | £2,072.50 | £2,787.50 |

Term | 2 years |

Initial Rate^{1} |
6.25% variable |

Overall Cost For Comparison^{2} |
7.3% APRC |

MAX LTV^{3} |
over 80% and up to 90% |

Early Repayment Charge | 2% in Year 1, 1% in Year 2 |

Product Fees | £199 application fee, £800 completion fee |

- The £199 Application Fee is non-refundable and payable at the point of application

## Fee Amount |
## Rate |
## Value of the fee with interest at 10 years |
## Value of the fee with interest at 15 years |
## Value of the fee with interest at 25 years |

£1,000 | 7.15% | £1,715.00 | £2,072.50 | £2,787.50 |

Term | 2 years |

Initial Rate^{1} |
5.53% variable |

Overall Cost For Comparison^{2} |
7.1% APRC |

MAX LTV^{3} |
75% (70% for loans over £750,000 and under £1m) |

Early Repayment Charge | 2% in year one, followed by 1% in year two |

Product Fees | £199 application fee, 0.50% completion fee |

- The £199 Application Fee is non-refundable and payable at the point of application

## Fee Amount |
## Rate |
## Value of the fee with interest at 10 years |
## Value of the fee with interest at 15 years |
## Value of the fee with interest at 25 years |

£1,000 | 7.15% | £1,715.00 | £2,072.50 | £2,787.50 |

Term | 3 years |

Initial Rate^{1} |
5.89% variable |

Overall Cost For Comparison^{2} |
7.1% APRC |

MAX LTV^{3} |
100% |

Early Repayment Charge | 3% in Year 1, 2% in Year 2, 1% in Year 3 |

Product Fees | £199 application fee, no completion fee |

- The £199 Application Fee is non-refundable and payable at the point of application.

Term | 2 years |

Initial Rate^{1} |
6.39% variable |

Overall Cost For Comparison^{2} |
8.8% APRC |

MAX LTV^{3} |
75% |

Early Repayment Charge | 2% in Year 1, 1% in Year 2 |

Product Fees | £199 application fee, 1% completion fee |

- The £199 Application Fee is non-refundable and payable at the point of application

## Fee Amount |
## Rate |
## Value of the fee with interest at 10 years |
## Value of the fee with interest at 15 years |
## Value of the fee with interest at 25 years |

£1,000 | 8.89% | £1,889.00 | £2,333.50 | £3,222.50 |

Term | 2 Years |

Initial Rate^{1} |
5.75% |

Overall Cost For Comparison^{2} |
7.9% APRC |

MAX LTV^{3} |
85% |

Early Repayment Charge | 2% in Year 1, 1% in Year 2 |

Product Fees | None |

A mortgage of £100,309.00 payable over 10 years initially on a fixed rate of 5.75% for 2 years and then on our current standard variable rate of 8.89% for the remaining 8 years would require 24 monthly payments of £1101.08 and 96 monthly payments of £1234.09.

The total amount payable would be £145,023.56 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £44,714.56.

**The overall cost for comparison is 7.9% APRC representative.**

Term | 3 Years |

Initial Rate^{1} |
6.19% Variable |

Overall Cost For Comparison^{2} |
8.5% APRC |

MAX LTV^{3} |
75% |

Early Repayment Charge | 3% in Year 1, 2% in Year 2, 1% in Year 3 |

Product Fees | None |

A mortgage of £129,850.25 payable over 25 years initially on a variable rate of 6.19% for 3 years and then on our current standard variable rate of 8.89% for the remaining 22 years would require 36 monthly payments of £669.81 and 264 monthly payments of £961.85.

The total amount payable would be £408,016.81 made up of the loan amount, plus interest and Redemption Administration Fee (£125) totalling £278,166.56.

**The overall cost for comparison is 8.5% APRC representative.**

Term | 2 years |

Initial Rate^{1} |
5.19% variable |

Overall Cost For Comparison^{2} |
8.8% APRC |

MAX LTV^{3} |
75% |

Early Repayment Charge | 2% in year one, followed by 1% in year two |

Product Fees | £199 application fee, 2.50% completion fee |

- The £199 Application Fee is non-refundable and payable at the point of application

## Fee Amount |
## Rate |
## Value of the fee with interest at 10 years |
## Value of the fee with interest at 15 years |
## Value of the fee with interest at 25 years |

£1,000 | 8.89% | £1,889.00 | £2,333.50 | £3,222.50 |

Term | 3 Years |

Initial Rate^{1} |
5.55% Variable |

Overall Cost For Comparison^{2} |
8.3% APRC |

MAX LTV^{3} |
85% |

Early Repayment Charge | 3% in Year 1, 2% in Year 2, 1% in Year 3 |

Product Fees | None |

A mortgage of £98,385.22 payable over 30 years initially on a discounted variable rate of 5.55% for 3 years and then on our current standard variable rate of 8.89% for the remaining 27 years would require 36 monthly payments of £561.71 and 324 monthly payments of £768.20.

The total amount payable would be £269,243.36 made up of the loan amount, plus interest and Redemption Administration fee (£125) totalling £170,858.14.

**The overall cost for comparison is 8.3% APRC representative.**

Your home may be repossessed if you do not keep up repayments on your mortgage

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