Mortgage Minds-Typical rates- 26 January 2006

This information does not contain all of the details you need to choose a mortgage. Make sure that you read the separate key facts illustration before you make a decision. Please note that no specific advice or recommendation is being made on this website.

Initial Interest Rate	1.89%
Interest Rate Type and Period	Fixed to 29/2/2008
Interest Rate(s) Following Initial Rate	Reverts to Lender's Standard Variable Rate applicable at the time (currently 6.50%).
The overall cost for comparison is	6.0 APR
Early Repayment Charges	Tapered early repayment charges: 7% of the amount repaid until 28/2/2009; 6% of the amount repaid until 28/2/2011; 4% of the amount repaid until 29/2/2012
Maximum Loan-to-Value	95%
Valuation Fee	£295
Lender Arrangement Fee	£549 to £500,000 loan size (over by negotiation)
Higher Lending Charge	The higher lending charge is payable on advances in excess of 90% loan-to-value. If applicable, the higher lending charges are calculated on the difference between 75% of the value of your home and the amount you borrow at a rate of £8.95%.
Compulsory Insurances	Homecover insurance required up to and including 29/02/2008. If you choose not to take our Homecover insurance, 0.24% will be added to the interest rate for the early repayment period.
Interest Charged	Annually in advance
Other

THE ACTUAL RATE AVAILABLE WILL DEPEND UPON YOUR CIRCUMSTANCES. ASK FOR A PERSONALISED ILLUSTRATION. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. THERE WILL BE A FEE OF UP TO 1.5% FOR MORTGAGE ADVICE. THE PRECISE AMOUNT WILL DEPEND UPON YOUR CIRCUMSTANCES BUT WE ESTIMATE THAT IT WILL BE 0.75% OF THE LOAN VALUE