| Feature / Benefit | Summary | Details |
|---|
| Available in Branch Only |  | no | not just available in branch. | |
| Permanent UK Resident |  | yes | This product is only available to individuals who are permanent UK residents. | |
| Existing Customers Only |  | no | This mortgage is not just available to existing customers | |
| Existing Borrowers Only |  | yes | This mortgage is only available to existing borrowers. | |
| Remortgage Only |  | no | This is not just available for remortgages. | |
| First Time Buyers Only |  | no | This mortgage is not just available to first time buyers. | |
| Available Via a Broker Only |  | yes | Available via brokers only. | |
| Minimum Deposit |  | 25% | 25% | |
| Available Direct |  | no | This product is not available direct from the provider, but may be available from a broker or other intermediary | |
| Initial Rate APR |  | 6.49% | Pay rate of 6.49% |  |
| Initial Rate End Date |  | 01 Apr 2013 | 01 Aug 2012 |  |
| Final Rate |  | 5.29% | 5.29% BBR + 4.79% |  |
| Mortgage APR |  | 5.9% | 5.9% |  |
| Fixed Rate End Date |  | 01 Apr 2013 | Fixed until 01/04/2013 |  |
| Rate Type |  | fixed | Fixed | |
| Frequency of Interest Calculations |  | daily | Interest is calculated daily | |
| Mortgage Type |  | Adverse Credit | Adverse Credit | |
| Repayment Mortgage |  | yes | Yes | |
| Interest Only Mortgage |  | yes | Yes | |
| Endowment Mortgage |  | yes | Yes | |
| Maximum LTV |  | 75% | 75% |  |
| Maximum Loan |  | £500,000 | The maximum loan is £500000 LTV 75% to £500,000 |  |
| Minimum Loan |  | £1,000 | The minimum loan is £1000 |  |
| House Purchase Max LTV |  | 75% | The maximum loan to value for house purchase is 75% LTV 75% to £500,000 |  |
| Remortgage |  | no | This product is not available for remortgages. | |
| First Time Buyers |  | no | This product is not available to first time buyers. | |
| Existing Borrowers Moving Home |  | no | This product is not available to existing borrowers moving home. | |
| Existing Borrowers Not Moving Home |  | yes | This product is available for product transfer for existing customers only. | |
| Homemover |  | no | This product is not available to homemovers. | |
| Shared Ownership |  | no | This product is not available for shared ownership. | |
| Right to Buy |  | no | This product is not available for right to buys. | |
| Legal Fees Contribution |  | no | No legal fees incentive offered. | |
| No Higher Lending Charge |  | yes | No higher lending charge payable. | |
| Portable Mortgage |  | yes | This product is portable. | |
| Mortgage Fees |  | 1.25% | 1.25% arrangement fee payable. | |
| Fees Added to Loan |  | yes | The arrangement fee can be added to the loan. | |
| Early Repayment Charge |  | yes | There is an early redemption charge payable. | |
| Early Repayment Charge Amount |  | 3/2/2% | ERC - 3% of the capital repaid until 01/04/2011, then 2% until 01/04/2013. | |