|
| Lender: | Yorkshire Building Society |
| Product: | Flexi 3yr 3.84% Fxd LTV 75% Direct |
| Mortgage Type: | Fixed Rate |
| Initial Rate Payable: | 3.84%
|
| Fixed Rate Term: | Fixed interest rate until 30/06/2015
|
| Fixed Term Months: | Not applicable.
|
| Term of Fixed Rate: | 36 months.
|
| Tie in Period After Rate: | No tie-in period.
|
| Final Rate: | Not applicable.
|
| Final Rate Type: | Standard variable rate
|
| Final Rate To Be Loaded: | Not applicable.
|
| Final Rate Payable: | The standard variable rate is 4.99% |
| APR Interest Only: | 4.80%
|
| APR Repayment: | 4.80%
|
| Maximum LTV: | The maximum LTV is 75%
|
| Max Loan: | Maximum loan is £5000000.
Refer to lender for loans above £1,000,000.
|
| Max LTV for First Time Buyer: | The maximum loan to value for first time buyers is 75%
LTV 75% to £5,000,000
Loans above £1,000,000 refer to lender.
|
| Max LTV for House Purchase: | The maximum loan to value for house purchase is 75%
LTV 75% to £5,000,000
Loans above £1,000,000 refer to lender.
|
| Max LTV Remortgage: | The maximum loan to value for remortgage is 75%
LTV 75% to £5,000,000
Loans above £1,000,000 refer to lender.
|
| Minimum Term: | Minimum term 3 years.
|
| Maximum Term: | Maximum term 35 years.
|
| Overpayment Allowed: | Overpayments are available without penalty up to 10% in any 12 month period.
Any overpayment will immediately reduce the amount of interest paid.
|
|
| Available to Homemovers: | This product is available to homemovers.
|
| Available to Existing Borrowers Moving Home: | This product is not available to existing borrowers moving home.
|
| Available to Existing Borrowers Not Moving Home: | This product is not available to existing borrowers not moving home.
|
| Available to Existing Customers Only: | Not applicable.
|
| Available to First Time Buyer: | This product is available to first time buyers.
|
| First Time Buyer Min Loan: | The minimum first time buyer loan is £25001.00
|
| Available to Remortgages: | This product is available for remortgages.
|
| Remortgage Min Loan: | The minimum remortgage loan is £25001.00
|
| Current Account Offset: | Not applicable.
|
| Available In England: | yes |
| Available In N.Ireland: | yes |
| Available In Scotland: | yes |
| Available In Wales: | yes |
| Distribution Branch: | Product is available via the branch network.
|
| Distribution Intermediary: | Product is not available through intermediaries.
|
| Distribution Internet: | Product is available via the internet.
|
| Distribution Telephone: | Product is available via a direct telephone service.
|
| Intermediary Only: | Not available exclusively via intermediary channels.
|
| Regional Restrictions: | There are no regional restrictions.
|
| Self Cert Available: | Self certification of income is not available.
|
| Shared Ownership: | This product is not available for shared ownership.
|
|
| Cash Back: | Not applicable.
|
| Contents Insurance Included: | No contents insurance incentive offered.
|
| Free ASU Insurance Included: | No accident, sickness & unemployment incentive offered.
|
| Free Valuation Report Included: | No valuation incentive offered.
|
| Higher Lending Charge Excluded: | No higher lending charge payable.
|
| Legal Fees Contribution: | No legal fees incentive offered.
|
| No Part Early Repayment Charge: | Overpayments are available without penalty up to 10%.
|
| Set Up Fees Refunded: | No set up fees incentive offered.
|
| Other Incentives: | No other incentives available.
|
|
| Application Fee Payable: | £995 application fee payable. (£195 on application and non-refundable, the remaining £800 is added to the mortgage on completion)
|
| Early Redemption Charge: | There is an early redemption charge payable.
|
| Fees Payable: | £995 application fee payable. (£195 on application and non-refundable, the remaining £800 is added to the mortgage on completion)
|
| Procuration Fee: | Not applicable.
|
