Products rates & fees

Remortgage Range - To 60% LTV

• These deals are available for residential remortgages only
• The drawdown date for fixed rate 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 60% LTV deals for:

 

Repayment | Interest Only

 

 

Repayment loans between £5k and £500,000, to 60% LTV

Product	Product code	Initial Rate	Product fee added to loan	Early Repayment Charges
2-Year Fixed until 30/09/12	Repayment: EV57	4.09%	£995	Before 01/10/11 = 3% 01/10/11 - 30/09/12 = 2%	Calculate
	Repayment: EV61	4.49%	£0		Calculate
3-Year Fixed until 30/09/13	Repayment: EV73	4.59%	£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: EV81	5.09%	£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 60% LTV

Product	Product code	Initial Rate	Product fee added to loan	Early Repayment Charges
3-Year Tracker until 30/09/13	Repayment: EV91	2.89% (+2.39)	£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 60% LTV

Product	Product code	Initial Rate	Product fee added to loan	Early Repayment Charges
2-Year Fixed until 30/09/12	Interest only: EV54	4.29%	£995	Before 01/10/11 = 3% 01/10/11 - 30/09/12 = 2%	Calculate
	Interest only: EV58	4.69%	£0		Calculate
3-Year Fixed until 30/09/13	Interest only: EV70	4.79%	£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: EV78	5.29%	£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 60% LTV

Product	Product code	Initial Rate	Product fee added to loan	Early Repayment Charges
3-Year Tracker until 30/09/13	Interest only: EV88	3.09% (+2.59)	£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:

 

• Free valuations on remortgages

  The valuation fee will be waived if your client is remortgaging and their loan size is £500,000 or less. View valuation fees

• Free legal work on standard remortgages of £5,000 - £999,999

  Provided that the work is carried out by a firm of solicitors authorised to do free legal work for C&G. For non-standard remortgages a fixed-price service for the most common extra legal work required is also available.  Exclusions apply

• Initial rate of tracker products guaranteed to move in line with the Bank of England interest rate
• 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.