Variable-rate

Enjoy interest rates lower than our standard variable rate, plus you:

  • have lower payments at the start of your mortgage
  • may have lower payments if interest rates fall, though they may also go up if rates rise
  • can choose to pay off capital and interest, interest only, or a combination of both

Early repayment charge applies. A reservation fee may apply.

Please read this important legal information


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

2-year & 3-year  | Advantage mortgages  | Remortgage deals  |
Initial
rate		 Until Rate
thereafter		 Overall cost for
comparison		 Minimum
deposit		 Early repayment
charge

3 year fees free remortgage stepped tracker (up to 90% LTV)

 Updated 23/07/2008
Year 1: 6.89% (BoE Base rate +1.89%)

Year 2: 6.49% (BoE Base rate +1.49%)

Year 3: 5.99% (BoE Base rate +0.99%)

 30/09/2009 7.19% variable 7.2% APR 10% 3% until 30/09/2011
  • We will pay our legal fees for standard remortgaging only, provided our nominated solicitor is used
  • No valuation fee
  • From three months after completion until the end of the tracker period, you can switch to a fixed rate and pay no Early Repayment Charge - Just the product fee
  • No product fee to pay
  • Minimum loan £25,000
  • Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
(Ref: tra19)

2-year purchase Tracker (up to 75% LTV)

 Updated 01/08/2008
5.99%

(NatWest Bank Base rate +0.99%)		 30/09/2010 7.19% variable 7.4% APR 25% 3% until 30/09/2010
  • You can overpay up to 10% of your outstanding mortgage balance each year without extra charge
  • From three months after completion until the end of the tracker period, you can switch to a fixed rate and pay no Early Repayment Charge - Just the product fee Product fee £899
  • Minimum loan £25,000
  • Only available for new and existing customers purchasing a property
(Ref: tra2)

2-year remortgage Tracker (up to 75% LTV)

 Updated 01/08/2008
6.09%

(NatWest Bank Base rate +1.09%)		 30/09/2010 7.19% variable 7.3% APR 25% 3% until 30/09/2010
  • From three months after completion until the end of the tracker period, you can switch to a fixed rate and pay no Early Repayment Charge - Just the product fee
  • Product fee £899
  • Minimum loan £25,000
  • Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
(Ref: tra18)

2-year purchase Tracker (up to 90% LTV)

 Updated 01/08/2008
6.19%

(NatWest Bank Base rate +1.14%)		 30/09/2010 7.19% variable 7.4% APR 10% 3% until 30/09/2010
  • You can overpay up to 10% of your outstanding mortgage balance each year without extra charge
  • From three months after completion until the end of the tracker period, you can switch to a fixed rate and pay no Early Repayment Charge - Just the product fee Product fee £899
  • Minimum loan £25,000
  • Only available for new and existing customers purchasing a property
(Ref: tra1)

2-year remortgage Tracker (up to 90% LTV)

 Updated 01/08/2008
6.24%

(NatWest Bank Base rate +1.24%)		 30/09/2010 7.19% variable 7.3% APR 10% 3% until 30/09/2010
  • From three months after completion until the end of the tracker period, you can switch to a fixed rate and pay no Early Repayment Charge - Just the product fee Legal fees can be added to the loan subject to the maximum LTV
  • We will pay our legal fees for standard remortgaging only, provided our nominated solicitor is used
  • No valuation fee
  • Product fee £899
  • Minimum loan £25,000
  • Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
(Ref: tra15)