Products rates & fees

House Purchase Range - To 75% LTV

• These deals are available for house purchase (including 2nd/holiday homes) and product switches only
• The drawdown date for loans is 31 December 2010
• At the end of the initial product period the interest rate charged will switch to the Homeowner Variable Rate, currently 3.99%

Up to 75% LTV deals for:

 

Repayment | Interest Only

 

 

Repayment loans between £5k and £500,000, to 75% LTV

Product	Product code	Initial Rate	Product fee added to loan	Early Repayment Charges
2-Year Fixed until 30/09/12	Repayment: EV27	4.19%	£995	Before 01/10/11 = 3% 01/10/11 - 30/09/12 = 2%	Calculate
	Repayment: EV31	4.59%	£0		Calculate
3-Year Fixed until 30/09/13	Repayment: EV13	4.89%	£995	Before 01/10/11 = 3% 01/10/11 - 30/09/12 = 3% 01/10/12 - 30/09/13 = 2%	Calculate
5-Year Fixed until 30/09/15	Repayment: EV41	5.39%	£995	Before 01/10/11 = 5% 01/10/11 - 30/09/12 = 5% 01/10/12 - 30/09/13 = 4% 01/10/13 - 30/09/14 = 3% 01/10/14 - 30/09/15 = 2%	Calculate

 

Repayment loans between £5k and £500,000 to 75% LTV

Product	Product code	Initial Rate	Product fee added to loan	Early Repayment Charges
3-Year Tracker until 30/09/13	Repayment: EV53	3.29% (+2.79)	£995	Before 01/10/11 = 3% 01/10/11 - 30/09/12 = 2% 01/10/12 - 30/09/13 = 2%	Calculate

 

Interest only loans between £5k and £500,000, to 75% LTV

Product	Product code	Initial Rate	Product fee added to loan	Early Repayment Charges
2-Year Fixed until 30/09/12	Interest only: EV24	4.39%	£995	Before 01/10/11 = 3% 01/10/11 - 30/09/12 = 2%	Calculate
	Interest only: EV28	4.79%	£0		Calculate
3-Year Fixed until 30/09/13	Interest only: EV10	5.09%	£995	Before 01/10/11 = 3% 01/10/11 - 30/09/12 = 3% 01/10/12 - 30/09/13 = 2%	Calculate
5-Year Fixed until 30/09/15	Interest only: EV38	5.59%	£995	Before 01/10/11 = 5% 01/10/11 - 30/09/12 = 5% 01/10/12 - 30/09/13 = 4% 01/10/13 - 30/09/14 = 3% 01/10/14 - 30/09/15 = 2%	Calculate

 

Interest only loans between £5k and £500,000 to 75% LTV

Product	Product code	Initial Rate	Product fee added to loan	Early Repayment Charges
3-Year Tracker until 30/09/13	Interest only: EV50	3.49% (+2.99)	£995	Before 01/10/11 = 3% 01/10/11 - 30/09/12 = 2% 01/10/12 - 30/09/13 = 2%	Calculate

Other features of this product:

 

• Initial rate of tracker products guaranteed to move in line with the Bank of England interest rate
• Valuation fee payable
• Transfer of funds fee: £35 always added to the loan and non-refundable. No Transfer of funds fee on product switches
• Application fee: £99 payable up-front only and non-refundable*
• Interest calculated daily
• No Higher Lending Charges

*Application fee payable if your client is a new or existing C&G or Lloyds TSB mortgage customer purchasing a property, taking out additional borrowing or moving their mortgage from another lender. Not payable if your client is an existing C&G or Lloyds TSB mortgage customer switching to a new deal. One time payment valid for 12 months.