Mortgages

10 year fixed rate until 31 January 2019 - Min 25% deposit

The details of this mortgage product should be read in conjunction with Additional Mortgage Information

 

Home movers & remortgages

Remortgages with fee assistance

Interest rate:

5.49% until 31/01/19 then
4.99% variable (our Standard Variable Rate) for the remaining term of your mortgage

The overall cost for comparison is:

5.6% APR

5.5% APR

Fee Assistance:

None

Free legal service and free valuation.

Product Available for:
  • First Time Buyers
  • Customers remortgaging from another lender
  • New customers moving home
  • Existing YBS borrowers moving home
  • Customers remortgaging from another lender
Product Fee:

£195

This fee is payable on application and is non refundable.

Minimum
Loan:

£25,001

Maximum Loan to Value:

75%

Higher Lending Charge:

None

Early repayment charge:
  • 7% before 31/01/12, then
  • 6% before 31/01/14, then
  • 4% before 31/01/16, then
  • 2% before 31/01/18, then
  • 1% before 31/01/19

If the product is repaid in full or in part, or transferred (in full or in part), an early repayment charge is payable as described above. However, overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur a charge of the percentage specified on the excess amount.

Mortgage Fee:

£90 (payable on redemption of your mortgage)


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

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