0.00% fixed for 6 months from completion, then
6.39% fixed until 31/01/14, then
4.99% variable (our Standard Variable Rate) for the remaining term of the mortgage

5.5% APR

85%

None

£25,001

£90 (payable on redemption of your mortgage)

None

• 5% before 31/01/12, then
• 4% before 31/01/13, then 
• 3% before 31/01/14
• 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.

• For First time buyers
• For customers remortgaging from another lender
• For new customers moving home.
• For existing YBS borrowers moving home.