Effective date
6 February 2012

Semi-exclusive products

House Purchase and Remortgage

Bank of England Tracker to Fixed Rate (including Offset)

75% LTV House Purchase & Remortgage Tracker to Fixed

Description	Code	Rate	Fee	Min/Max Loan
5 year tracker/fixed	10859	2 year tracker BoE+2.19% 2.69% collar. Followed by 3 year fixed rate 3.69%	£95 booking £1,900 completion	Min: £30,000* Max: £750,000
5 year tracker/fixed	10860	2 year tracker BoE+2.29% 2.79% collar. Followed by 3 year fixed rate 3.79%	£95 booking £900 completion	Min: £30,000* Max: £750,000
5 year tracker/fixed	10867	2 year tracker BoE+2.29% 2.79% collar. Followed by 3 year fixed rate 3.79%	£190 booking £3,800 completion	Min: £750,000 Max: £1.5m *Loans above £1.5m considered by referral.
Offset 5 year tracker/fixed	10868	2 year tracker BoE+2.39% 2.89% collar. Followed by 3 year fixed rate 3.89%	£95 booking £1,900 completion	Min: £30,000* Max: £750,000
Offset 5 year tracker/fixed	10869	2 year tracker BoE+2.49% 2.99% collar. Followed by 3 year fixed rate 3.99%	£95 booking £900 completion	Min: £30,000* Max: £750,000
Offset 5 year tracker/fixed	10876	2 year tracker BoE+2.49% 2.99% collar. Followed by 3 year fixed rate 3.99%	£190 booking £3,800 completion	Min: £750,000 Max: £1.5m *Loans above £1.5m considered by referral.
All products: End date - 31/03/17, ERC: 5% to 31/03/15, 4% to 31/03/16, 3% to 31/03/17
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85% LTV House Purchase & Remortgage Tracker to Fixed

Description	Code	Rate	Fee	Min/Max Loan
5 year tracker/fixed	10863	2 year tracker BoE+2.79% 3.29% collar. Followed by 3 year fixed rate 4.49%	£95 booking £1,900 completion	Min: £30,000* Max: £750,000
5 year tracker/fixed	10864	2 year tracker BoE+2.79% 3.29% collar. Followed by 3 year fixed rate 4.59%	£95 booking £900 completion	Min: £30,000* Max: £750,000
5 year tracker/fixed	10775	2 year tracker BoE+2.99% 3.49% collar. Followed by 3 year fixed rate 4.69%	£190 booking £3,800 completion	Min: £750,000 Max: £1m
Offset 5 year tracker/fixed	10872	2 year tracker BoE+2.99% 3.49% collar. Followed by 3 year fixed rate 4.69%	£95 booking £1,900 completion	Min: £30,000* Max: £750,000
Offset 5 year tracker/fixed	10866	2 year tracker BoE+2.89% 3.39% collar. Followed by 3 year fixed rate 4.69%	£95 booking £900 completion	Min: £30,000* Max: £750,000
Offset 5 year tracker/fixed	10785	2 year tracker BoE+3.19% 3.69% collar. Followed by 3 year fixed rate 4.89%	£190 booking £3,800 completion	Min: £750,000 Max: £1m
Offset 5 year tracker/fixed	10873	2 year tracker BoE+2.99% 3.49% collar. Followed by 3 year fixed rate 4.79%	£95 booking £900 completion	Min: £30,000* Max: £750,000
All products: End date - 31/03/17, ERC: 5% to 31/03/15, 4% to 31/03/16, 3% to 31/03/17
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Fixed rates

75% LTV House Purchase & Remortgage Fixed Rates

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
2 year fixed	8268	2.99%	£95 booking £1,900 completion	Min: £30,000 Max: £750,000	None
2 year fixed	8269	3.09%	£95 booking £900 completion	Min: £30,000 Max: £750,000	None
2 year fixed	8270	3.19%	£95 booking £900 completion	Min: £50,000 Max: £750,000	£500 cashback
2 year fixed	8282	3.09%	£190 booking £3,800 completion	Min: £750,000 Max: £1.5m*	*Loans above £1.5m considered by referral.
3 year fixed	8296	3.29%	£95 booking £1,900 completion	Min: £30,000 Max: £750,000	None
3 year fixed	8297	3.49%	£95 booking £900 completion	Min: £30,000 Max: £750,000	None
3 year fixed	8298	3.59%	£95 booking £900 completion	Min: £50,000 Max: £750,000	£500 cashback
5 year fixed	8365	3.59%	£95 booking £1,900 completion	Min: £30,000 Max: £750,000	None
5 year fixed	8366	3.79%	£95 booking £900 completion	Min: £30,000 Max: £750,000	None
5 year fixed	8367	3.89%	£95 booking £900 completion	Min: £50,000 Max: £750,000	£500 cashback
5 year fixed	8375	3.79%	£190 booking £3,800 completion	Min: £750,000 Max: £1.5m*	*Loans above £1.5m considered by referral.
2 year fixed products End date - 31/03/14, ERC: 3% to 31/03/14 3 year fixed products End date - 31/03/15, ERC: 3% to 31/03/15 5 year fixed products End date 31/03/17, ERC: 5% to 31/03/15, 4% to 31/03/16, 3% to 31/03/17
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85% LTV House Purchase & Remortgage Fixed Rates

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
2 year fixed	8350	3.74%	£95 booking £1,900 completion	Min: £30,000* Max: £750,000	None
2 year fixed	8351	3.79%	£95 booking £900 completion	Min: £30,000 Max: £750,000	None
2 year fixed	8352	3.89%	£95 booking £900 completion	Min: £50,000 Max: £750,000	£500 cashback
2 year fixed	8283	4.04%	£190 booking £3,800 completion	Min: £750,000 Max: £1m	None
2 year fixed	8346	3.89%	£95 booking £400 completion	Min: £30,000* Max: £150,000	None
2 year fixed	8347	3.99%	£95 booking £400 completion	Min: £50,000* Max: £150,000	£500 cashback
3 year fixed	8360	3.99%	£95 booking £1,900 completion	Min: £30,000* Max: £750,000	None
3 year fixed	8361	4.09%	£95 booking £900 completion	Min: £30,000* Max: £750,000	None
3 year fixed	8362	4.19%	£95 booking £900 completion	Min: £50,000* Max: £750,000	£500 cashback
5 year fixed	8370	4.09%	£95 booking £1,900 completion	Min: £30,000* Max: £750,000	None
5 year fixed	8317	4.49%	£190 booking £3,800 completion	Min: £750,000 Max: £1m	None
5 year fixed	8371	4.19%	£95 booking £900 completion	Min: £30,000* Max: £750,000	None
5 year fixed	8372	4.29%	£95 booking £900 completion	Min: £50,000* Max: £750,000	£500 cashback
2 year fixed products End date - 31/03/14, ERC: 3% to 31/03/14 3 year fixed products End date - 31/03/15, ERC: 3% to 31/03/15 5 year fixed products End date 31/03/17, ERC: 5% to 31/03/15, 4% to 31/03/16, 3% to 31/03/17
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90% LTV House Purchase & Remortgage Fixed Rates

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
2 year fixed	8330	4.99%	£95 booking £400 completion	Min: £30,000* Max: £500,000	None
2 year fixed	8331	4.89%	£95 booking £900 completion	Min: £30,000* Max: £500,000	None
2 year fixed	8332	4.99%	£95 booking £900 completion	Min: £50,000* Max: £500,000	£600 cashback
5 year fixed	8338	5.29%	£95 booking £400 completion	Min: £30,000* Max: £500,000	None
5 year fixed	8339	5.19%	£95 booking £900 completion	Min: £30,000* Max: £500,000	None
5 year fixed	8340	5.29%	£95 booking £900 completion	Min: £50,000* Max: £500,000	£600 cashback
2 year fixed products End date - 31/03/14, ERC: 3% to 31/03/14 5 year fixed products End date 31/03/17, ERC: 5% to 31/03/15, 4% to 31/03/16, 3% to 31/03/17
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Offset fixed rates

75% LTV Offset House Purchase & Remortgage Fixed Rates

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
Offset 2 year fixed	8284	3.19%	£95 booking £1,900 completion	Min: £30,000 Max: £750,000	None
Offset 2 year fixed	8285	3.29%	£95 booking £900 completion	Min: £30,000 Max: £750,000	None
Offset 2 year fixed	8286	3.39%	£95 booking £900 completion	Min: £50,000 Max: £750,000	£500 cashback
Offset 2 year fixed	8294	3.29%	£190 booking £3,800 completion	Min: £750,000 Max: £1.5m*	*Loans above £1.5m considered by referral.
Offset 5 year fixed	8376	3.79%	£95 booking £1,900 completion	Min: £30,000 Max: £750,000	None
Offset 5 year fixed	8377	3.99%	£95 booking £900 completion	Min: £30,000 Max: £750,000	None
Offset 5 year fixed	8378	4.09%	£95 booking £900 completion	Min: £50,000 Max: £750,000	£500 cashback
Offset 5 year fixed	8386	3.99%	£190 booking £3,800 completion	Min: £750,000 Max: £1.5m*	*Loans above £1.5m considered by referral.
Offset 2 year fixed products End date - 31/03/14, ERC: 3% to 31/03/14 Offset 5 year fixed products End date 31/03/17, ERC: 5% to 31/03/15, 4% to 31/03/16, 3% to 31/03/17
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85% LTV Offset House Purchase & Remortgage Fixed Rates

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
Offset 2 year fixed	8355	3.94%	£95 booking £1,900 completion	Min: £30,000* Max: £750,000	None
Offset 2 year fixed	8356	3.99%	£95 booking £900 completion	Min: £30,000* Max: £750,000	None
Offset 2 year fixed	8357	4.09%	£95 booking £900 completion	Min: £50,000* Max: £750,000	£500 cashback
Offset 2 year fixed	8295	4.24%	£190 booking £3,800 completion	Min: £750,000 Max: £1m	None
Offset 5 year fixed	8381	4.29%	£95 booking £1,900 completion	Min: £30,000* Max: £750,000	None
Offset 5 year fixed	8329	4.69%	£190 booking £3,800 completion	Min: £750,000 Max: £1m	None
Offset 5 year fixed	8382	4.39%	£95 booking £900 completion	Min: £30,000* Max: £750,000	None
Offset 5 year fixed	8383	4.49%	£95 booking £900 completion	Min: £50,000* Max: £750,000	£500 cashback
Offset 2 year fixed products End date - 31/03/14, ERC: 3% to 31/03/14 Offset 5 year fixed products End date 31/03/17, ERC: 5% to 31/03/15, 4% to 31/03/16, 3% to 31/03/17
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90% LTV Offset House Purchase & Remortgage Fixed Rates

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
2 year fixed	8335	5.09%	£95 booking £900 completion	Min: £30,000* Max: £500,000	None
5 year fixed	8343	5.39%	£95 booking £900 completion	Min: £30,000* Max: £500,000	None
2 year fixed products End date - 31/03/14, ERC: 3% to 31/03/14 5 year fixed products End date 31/03/17, ERC: 5% to 31/03/15, 4% to 31/03/16, 3% to 31/03/17
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Bank of England trackers

75% LTV House Purchase & Remortgage Trackers

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
2 year tracker	10833	BoE+2.14% 2.64% collar	£95 booking £1,900 completion	Min: £30,000 Max: £750,000	None
2 year tracker	10834	BoE+2.19% 2.69% collar	£95 booking £900 completion	Min: £30,000 Max: £750,000	None
2 year tracker	10835	BoE+2.29% 2.79% collar	£95 booking £900 completion	Min: £50,000 Max: £750,000	£500 cashback
2 year tracker	10847	BoE+2.29% 2.79% collar	£190 booking £3,800 completion	Min: £750,000 Max: £1.5m*	*Loans above £1.5m considered by referral.
All products: End date - 31/03/14, ERC: 2% to 31/03/14
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85% LTV House Purchase & Remortgage Trackers

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
2 year tracker	10842	BoE+2.69% 3.19% collar	£95 booking £1,900 completion	Min: £30,000* Max: £750,000	None
2 year tracker	10843	BoE+2.74% 3.24% collar	£95 booking £900 completion	Min: £30,000 Max: £750,000	None
2 year tracker	10844	BoE+2.84% 3.34% collar	£95 booking £900 completion	Min: £50,000 Max: £750,000	£500 cashback
2 year tracker	10753	BoE+.2.99% 3.49% collar	£190 booking £3,800 completion	Min: £750,000 Max: £1m	None
2 year tracker	10838	BoE+.2.79% 3.29% collar	£95 booking £400 completion	Min: £30,000* Max: £150,000	None
2 year tracker	10839	BoE+.2.89% 3.39% collar	£95 booking £400 completion	Min: £50,000* Max: £150,000	£500 cashback
All products: End date - 31/01/14, ERC: 2% to 31/01/14
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Offset Bank of England Trackers

75% LTV Offset House Purchase & Remortgage Trackers

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
Offset 2 year tracker	10848	BoE+2.34% 2.84% collar	£95 booking £1,900 completion	Min: £30,000 Max: £750,000	None
Offset 2 year tracker	10849	BoE+2.39% 2.89% collar	£95 booking £900 completion	Min: £30,000 Max: £750,000	None
Offset 2 year tracker	10880	BoE+2.49% 2.99% collar	£95 booking £900 completion	Min: £50,000 Max: £750,000	£500 cashback
Offset 2 year tracker	10858	BoE+2.49% 2.99% collar	£190 booking £3,800 completion	Min: £750,000 Max: £1.5m*	*Loans above £1.5m considered by referral.
All products: End date - 31/03/14, ERC: 2% to 31/03/14
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85% LTV Offset House Purchase & Remortgage Trackers

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
Offset 2 year tracker	10853	BoE+2.89% 3.39% collar	£95 booking £1,900 completion	Min: £30,000* Max: £750,000	None
Offset 2 year tracker	10854	BoE+2.94% 3.44% collar	£95 booking £900 completion	Min: £30,000* Max: £750,000	None
Offset 2 year tracker	10855	BoE+3.04% 3.54% collar	£95 booking £900 completion	Min: £50,000* Max: £750,000	£500 cashback
Offset 2 year tracker	10765	BoE+3.19% 3.69% collar	£190 booking £3,800 completion	Min: £750,000 Max: £1m	None
All products: End date - 31/03/14, ERC: 2% to 31/03/14
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Remortgage Only

Bank of England Tracker to Fixed Rate (including Offset)

75% LTV Remortgage Only Bank of England Tracker to Fixed Rate (including Offset)

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
5 year tracker/fixed	10862	2 year tracker BoE+2.39% 2.89% collar. Followed by 3 year fixed rate 3.89%	£95 booking £900 completion	Min: £50,000 Max: £750,000	Free Legal Service & Standard Valuation (maximum £480)
Offset 5 year tracker/fixed	10871	2 year tracker BoE+2.59% 3.09% collar. Followed by 3 year fixed rate 4.09%	£95 booking £900 completion	Min: £50,000 Max: £750,000	Free Legal Service & Standard Valuation (maximum £480)
All products: End date - 31/03/17, ERC: 5% to 31/03/15, 4% to 31/03/16, 3% to 31/03/17
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85% LTV Remortgage Only Bank of England Tracker to Fixed Rate (including Offset)

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
5 year tracker/fixed	10866	2 year tracker BoE+2.89% 3.39% collar. Followed by 3 year fixed rate 4.69%	£95 booking £900 completion	Min: £50,000* Max: £750,000	Free Legal Service & Standard Valuation (maximum £480)
Offset 5 year tracker/fixed	10875	2 year tracker BoE+3.09% 3.59% collar. Followed by 3 year fixed rate 4.89%	£95 booking £900 completion	Min: £50,000* Max: £750,000	Free Legal Service & Standard Valuation (maximum £480)
All products: End date - 31/03/17, ERC: 5% to 31/03/15, 4% to 31/03/16, 3% to 31/03/17
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Fixed Rates

75% LTV Remortgage Only Fixed Rates

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
2 year fixed	8272	3.19%	£95 booking £900 completion	Min: £50,000 Max: £750,000	Free Legal Service & Standard Valuation (maximum £480)
3 year fixed	8300	3.59%	£95 booking £900 completion	Min: 50,000 Max: £750,000	Free Legal Service & Standard Valuation (maximum £480)
5 year fixed	8369	3.89%	£95 booking £900 completion	Min: £50,000 Max: £750,000	Free Legal Service & Standard Valuation (maximum £480)
2 year fixed product End date -31/03/14, ERC: 3% to 31/03/14 3 year fixed product End date - 31/03/15, ERC: 3% to 31/03/15 5 year fixed product End date - 31/03/17, ERC: 5% to 31/03/15, 4% to 31/03/16, 3% to 31/03/17
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85% LTV Remortgage Only Fixed Rates

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
2 year fixed	8354	3.89%	£95 booking £900 completion	Min: £50,000* Max: £750,000	Free Legal Service & Standard Valuation (maximum £480)
2 year fixed	8349	3.99%	£95 booking £400 completion	Min: £50,000* Max: £150,000	Free Legal Service & Standard Valuation (maximum £480)
2 year fixed	8359	4.09%	£95 booking £900 completion	Min: £50,000* Max: £750,000	Free Legal Service & Standard Valuation (maximum £480)
3 year fixed	8364	4.19%	£95 booking £900 completion	Min: £50,000* Max: £750,000	Free Legal Service & Standard Valuation (maximum £480)
5 year fixed	8374	4.29%	£95 booking £900 completion	Min: £50,000* Max: £750,000	Free Legal Service & Standard Valuation (maximum £480)
2 year fixed products End date -31/03/14, ERC: 3% to 31/03/14 3 year fixed product End date - 31/03/15, ERC: 3% to 31/03/15 5 year fixed product End date - 31/03/17, ERC: 5% to 31/03/15, 4% to 31/03/16, 3% to 31/03/17
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90% LTV Remortage Only Fixed Rates

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
2 year fixed	8334	4.99%	£95 booking £900 completion	Min: £50,000* Max: £500,000	Free Legal Service & Standard Valuation (maximum £480)
5 year fixed	8342	5.29%	£95 booking £900 completion	Min: £50,000* Max: £500,000	Free Legal Service & Standard Valuation (maximum £480)
2 year fixed products End date -31/03/14, ERC: 3% to 31/03/14 5 year fixed product End date - 31/03/17, ERC: 5% to 31/03/15, 4% to 31/03/16, 3% to 31/03/17
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Offset Fixed Rates

75% LTV Offset Remortgage Only Fixed Rates

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
Offset 2 year fixed	8288	3.39%	£95 booking £900 completion	Min: £50,000 Max £750,000	Free Legal Service & Standard Valuation (maximum £480)
Offset 5 year fixed	8380	4.09%	£95 booking £900 completion	Min: £50,000 Max: £750,000	Free Legal Service & Standard Valuation (maximum £480)
Offset 2 year fixed product End date - 31/03/14, ERC: 3% to 31/03/14 Offset 5 year fixed product End date - 31/03/17, ERC: 5% to 31/03/15, 4% to 31/03/16, 3% to 31/03/17
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85% LTV Offset Remortgage Only Fixed Rates

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
Offset 2 year fixed	8359	4.09%	£95 booking £900 completion	Min: £50,000* Max £750,000	Free Legal Service & Standard Valuation (maximum £480)
Offset 5 year fixed	8385	4.49%	£95 booking £900 completion	Min: £50,000* Max £750,000	Free Legal Service & Standard Valuation (maximum £480)
Offset 2 year fixed product End date - 31/03/14, ERC: 3% to 31/03/14 Offset 5 year fixed product End date - 31/03/17, ERC: 5% to 31/03/15, 4% to 31/03/16, 3% to 31/03/17
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90% LTV Offset Remortgage Only Fixed Rates

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
Offset 2 year fixed	8337	5.19%	£95 booking £900 completion	Min: £50,000* Max £500,000	Free Legal Service & Standard Valuation (maximum £480)
Offset 5 year fixed	8345	5.49%	£95 booking £900 completion	Min: £50,000* Max £500,000	Free Legal Service & Standard Valuation (maximum £480)
Offset 2 year fixed product End date - 31/03/14, ERC: 3% to 31/03/14 Offset 5 year fixed product End date - 31/03/17, ERC: 5% to 31/03/15, 4% to 31/03/16, 3% to 31/03/17
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Bank of England Trackers

75% LTV Remortgage Only Trackers

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
2 year tracker	10837	BoE+2.29% 2.79% collar	£95 booking £900 completion	Min: £50,000 Max £750,000	Free Legal Service & Standard Valuation (maximum £480)
Product: End date - 31/03/14, ERC: 2% to 31/03/14
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85% LTV Remortgage Only Trackers

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
2 year tracker	10846	BoE+2.84% 3.34% collar	£95 booking £900 completion	Min: £50,000 Max £750,000	Free Legal Service & Standard Valuation (maximum £480)
2 year tracker	10841	BoE+2.89% 3.39% collar	£95 booking £400 completion	Min: £50,000* Max £150,000	Free Legal Service & Standard Valuation (maximum £480)
All products: End date - 31/03/14, ERC: 2% to 31/03/14
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Offset Bank of England Trackers

75% LTV Offset Remortgage Only Trackers

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
Offset 2 year tracker	10852	BoE+2.49% 2.99% collar	£95 booking £900 completion	Min: £50,000 Max £750,000	Free Legal Service & Standard Valuation (maximum £480)
Product: End date - 31/03/14, ERC: 2% to 31/03/14
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85% LTV Offset Remortgage Only Trackers

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
Offset 2 year tracker	10857	BoE+3.04% 3.54% collar	£95 booking £900 completion	Min: £50,000* Max £750,000	Free Legal Service & Standard Valuation (maximum £480)
Product: End date - 31/03/14, ERC: 2% to 31/03/14
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House Purchase Only

Bank of England Tracker to Fixed (including Offset)

75% LTV House Purchase Only Bank of England Tracker to Fixed (including Offset)

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
5 year tracker/fixed	10861	2 year tracker BoE+2.39% 2.89% collar. Followed by 3 year fixed rate 3.89%	£95 booking £900 completion	Min: £50,000 Max: £750,000	Free Standard Valuation (maximum £480) & £250 cashback
Offset 5 year tracker/fixed	10870	2 year tracker BoE+2.59% 3.09% collar. Followed by 3 year fixed rate 4.09%	£95 booking £900 completion	Min: £50,000 Max: £750,000	Free Standard Valuation (maximum £480) & £250 cashback
All products: End date - 31/03/17, ERC: 5% to 31/03/15, 4% to 31/03/16, 3% to 31/03/17
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85% LTV House Purchase Only Bank of England Tracker to Fixed (including Offset)

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
5 year tracker/fixed	10865	2 year tracker BoE+2.89% 3.39% collar. Followed by 3 year fixed rate 4.69%	£95 booking £900 completion	Min: £50,000 Max: £750,000	Free Standard Valuation (maximum £480) & £250 cashback
Offset 5 year tracker/fixed	10874	2 year tracker BoE+3.09% 3.59% collar. Followed by 3 year fixed rate 4.89%	£95 booking £900 completion	Min: £50,000 Max: £750,000	Free Standard Valuation (maximum £480) & £250 cashback
All products: End date - 31/03/17, ERC: 5% to 31/03/15, 4% to 31/03/16, 3% to 31/03/17
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Fixed rates

75% LTV House Purchase Only Fixed Rates

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
2 year fixed	8271	3.19%	£95 booking £900 completion	Min: £50,000 Max: £750,000	Free Standard Valuation (maximum £480) & £250 cashback
3 year fixed	8299	3.59%	£95 booking £900 completion	Min: £50,000 Max: £750,000	Free Standard Valuation (maximum £480) & £250 cashback
5 year fixed	8368	3.89%	£95 booking £900 completion	Min: £50,000 Max: £750,000	Free Standard Valuation (maximum £480) & £250 cashback
2 year fixed product End date -31/03/14, ERC: 3% to 31/03/14 3 year fixed product End date - 31/03/15, ERC: 3% to 31/03/15 5 year fixed product End date - 31/03/17, ERC: 5% to 31/03/15, 4% to 31/03/16, 3% to 31/03/17
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85% LTV House Purchase Only Fixed Rates

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
2 year fixed	8353	3.89%	£95 booking £900 completion	Min: £50,000 Max: £750,000	Free Standard Valuation (maximum £480) & £250 cashback
2 year fixed	8348	3.99%	£95 booking £400 completion	Min: £50,000* Max: £150,000	Free Standard Valuation (maximum £480) & £250 cashback
3 year fixed	8363	4.19%	£95 booking £900 completion	Min: £50,000* Max: £750,000	Free Standard Valuation (maximum £480) & £250 cashback
5 year fixed	8373	4.29%	£95 booking £900 completion	Min: £50,000* Max: £750,000	Free Standard Valuation (maximum £480) & £250 cashback

2 year fixed product End date -31/03/14, ERC: 3% to 31/03/14 3 year fixed product End date - 31/03/15, ERC: 3% to 31/03/15 5 year fixed product End date - 31/03/17, ERC: 5% to 31/03/15, 4% to 31/03/16, 3% to 31/03/17
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90% LTV House Purchase Only Fixed Rates

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
2 year fixed	8333	4.99%	£95 booking £900 completion	Min: £50,000* Max: £500,000	Free Standard Valuation (maximum £480) & £250 cashback
5 year fixed	8341	5.29%	£95 booking £900 completion	Min: £50,000* Max: £500,000	Free Standard Valuation (maximum £480) & £250 cashback
2 year fixed product End date -31/03/14, ERC: 3% to 31/03/14 5 year fixed product End date - 31/03/17, ERC: 5% to 31/03/15, 4% to 31/03/16, 3% to 31/03/17
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Offset Fixed Rates

75% LTV Offset House Purchase Only Fixed Rates

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
Offset 2 year fixed	8287	3.39%	£95 booking £900 completion	Min: £50,000 Max: £750,000	Free Standard Valuation (maximum £480) & £250 cashback
Offset 5 year fixed	8379	4.09%	£95 booking £900 completion	Min: £50,000 Max: £750,000	Free Standard Valuation (maximum £480) & £250 cashback
Offset 2 year fixed product End date - 31/03/14, ERC: 3% to 31/03/14 Offset 5 year fixed product End date - 31/03/17, ERC: 5% to 31/03/15, 4% to 31/03/16, 3% to 31/03/17
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85% LTV Offset House Purchase Only Fixed Rates

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
Offset 2 year fixed	8358	4.09%	£95 booking £900 completion	Min: £50,000* Max: £750,000	Free Standard Valuation (maximum £480) & £250 cashback
Offset 5 year fixed	8384	4.49%	£95 booking £900 completion	Min: £50,000 Max: £750,000	Free Standard Valuation (maximum £480) & £250 cashback
Offset 2 year fixed product End date - 31/03/14, ERC: 3% to 31/03/14 Offset 5 year fixed product End date - 31/03/17, ERC: 5% to 31/03/15, 4% to 31/03/16, 3% to 31/03/17
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90% LTV Offset House Purchase Only Fixed Rates

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
Offset 2 year fixed	8336	5.19%	£95 booking £900 completion	Min: £50,000* Max: £500,000	Free Standard Valuation (maximum £480) & £250 cashback
Offset 5 year fixed	8344	5.49%	£95 booking £900 completion	Min: £50,000* Max: £500,000	Free Standard Valuation (maximum £480) & £250 cashback
Offset 2 year fixed product End date - 31/03/14, ERC: 3% to 31/03/14 Offset 5 year fixed product End date - 31/03/17, ERC: 5% to 31/03/15, 4% to 31/03/16, 3% to 31/03/17
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Bank of England Trackers

75% LTV House Purchase Only Trackers

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
2 year tracker	10836	BoE+2.29% 2.79% collar	£95 booking £900 completion	Min: £50,000 Max: £750,000	Free Standard Valuation (maximum £480) & £250 cashback
Product: End date - 31/03/14, ERC: 2% to 31/03/14
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85% LTV House Purchase Only Trackers

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
2 year tracker	10845	BoE+2.84% 3.34% collar	£95 booking £900 completion	Min: £50,000 Max: £750,000	Free Standard Valuation (maximum £480) & £250 cashback
2 year tracker	10840	BoE+2.89% 3.39% collar	£95 booking £400 completion	Min: £50,000* Max: £150,000	Free Standard Valuation (maximum £480) & £250 cashback
All products: End date - 31/03/14, ERC: 2% to 31/03/14
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Offset Bank of England Trackers

75% LTV Offset House Purchase Only Trackers

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
Offset 2 year tracker	10851	BoE+2.49% 2.99% collar	£95 booking £900 completion	Min: £50,000 Max: £750,000	Free Standard Valuation (maximum £480) & £250 cashback
Product: End date - 31/03/14, ERC: 2% to 31/03/14
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85% LTV Offset House Purchase Only Trackers

Description	Code	Rate	Fee	Min/Max Loan	Notes/Incentives
Offset 2 year tracker	10856	BoE+3.04% 3.54% collar	£95 booking £900 completion	Min: £50,000* Max: £750,000	Free Standard Valuation (maximum £480) & £250 cashback
Product: End date - 31/03/14, ERC: 2% to 31/03/14
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Product Availability: Our products are available through a limited number of partners. Please check with your club or network to see if you have access to these products.

Important Notes

Please note that Accord Mortgages' Standard Variable Rate is currently 5.99% and is set independently of Accord Mortgages' BTL Standard Variable Rate. This is because Accord Mortgages' Buy to Let lending business is run differently from its residential lending business. As such, Accord Mortgages' Buy to Let Standard Variable Rate may be different from Accord Mortgages' Standard Variable Rate at any time and can vary upwards or downwards from time to time
Minimum Loan - all lending
* For lending above 75% LTV the following applies:
- Minimum loan size is £75,000
- More than one product can be taken to make up the loan provided that the total loan size is at least £75,000
- The product minimum loan size must be met -see the individual product for details.
For lending up to 75% LTV the product minimum loan applies.
Capital & Interest: All products above 75% LTV are available on a Capital & Interest basis only.
Booking fee: is payable as part of the full mortgage application process and is non-refundable.
- The full mortgage application should not be started unless you receive an 'Accept' Lending Decision. Please await the outcome of referrals as the booking fee is not refunded in the event of a decline.
- In the event of a product withdrawal, a full mortgage application must be completed (ONLY if an 'Accept' Lending Decision has already been received) and the booking fee paid to reserve the product.
- Processing of your application will not commence until the booking fee is paid.
Completion fee: payable on completion, can be added to the loan.

Valuation Fee: is payable on application unless stated otherwise. Where the valuation fee has been paid, we will instruct the valuation as soon as we begin to process your application - unless you advise us otherwise.
Early Repayment Charges (ERCs) and overpayments: unless otherwise stated, all products allow 10% overpayments per year without ERC. ERCs apply on redemption or transfer (part or full) to another product during the ERC period.
Cashback: on selected products Accord will pay the cashback on completion via your client's solicitor.
Free Valuation: on selected products Accord will pay for the valuation up to a maximum of £480. (This excludes second or subsequent valuations and does not include homebuyers surveys, structural surveys or specialists reports).
Refunded Valuation: on selected products Accord will refund the valuation fee on completion. (This excludes second or subsequent valuations and does not include homebuyers surveys, structural surveys or specialists reports).
Offset products: unlimited overpayments, savings offset against mortgage balance. Full loan must be taken on Offset products.
Portability Top-Up: All House Purchase products are available for Portability Top-Up subject to: a minimum loan of £3,000, top-ups below £50,000 can only be taken on products without incentives, where applicable product fees are payable regardless of loan size.
Part and Part mortgages: the loan can be taken on 2 or more products. NB. Offset and non-offset products cannot be mixed.
Product Withdrawal: we aim to give prior notice of withdrawal, but products may be withdrawn without notice. No further applications are accepted after withdrawal.

Information on this site is for use by authorised intermediaries only and should not be relied upon by anyone else.

Applications subject to standard lending criteria and all loans subject to status. Accord Mortgages Limited is authorised and regulated by the Financial Services Authority. Accord Mortgages Limited is registered in England No. 2139881, Registered office1 Filey Street Bradford BD1 5AT.

Semi-exclusive products

Bank of England Tracker to Fixed Rate (including Offset)

All products:

All products:

Fixed rates

2 year fixed products

3 year fixed products

5 year fixed products

2 year fixed products

3 year fixed products

5 year fixed products

2 year fixed products

5 year fixed products

Offset fixed rates

Offset 2 year fixed products

Offset 5 year fixed products

Offset 2 year fixed products

Offset 5 year fixed products

2 year fixed products

5 year fixed products

Bank of England trackers

All products:

All products:

Offset Bank of England Trackers

All products:

All products:

Bank of England Tracker to Fixed Rate (including Offset)

All products:

All products:

Fixed Rates

2 year fixed product

3 year fixed product

5 year fixed product

2 year fixed products

3 year fixed product

5 year fixed product

2 year fixed products

5 year fixed product

Offset Fixed Rates

Offset 2 year fixed product

Offset 5 year fixed product

Offset 2 year fixed product

Offset 5 year fixed product

Offset 2 year fixed product

Offset 5 year fixed product

Bank of England Trackers

Product:

All products:

Offset Bank of England Trackers

Product:

Product:

Bank of England Tracker to Fixed (including Offset)

All products:

All products:

Fixed rates

2 year fixed product

3 year fixed product

5 year fixed product

2 year fixed product

3 year fixed product

5 year fixed product

2 year fixed product

5 year fixed product

Offset Fixed Rates

Offset 2 year fixed product

Offset 5 year fixed product

Offset 2 year fixed product

Offset 5 year fixed product

Offset 2 year fixed product

Offset 5 year fixed product

Bank of England Trackers

Product:

All products:

Offset Bank of England Trackers

Product:

Product: