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Home > Our Intermediary Product Range > Online Mortgages

Online Mortgages
Rates and Details at a Glance

Available to Intermediaries only
Rates correct as at 29 July 2010


1 Year Fixed Rate up to and including 31 October 2011
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
3.99
5.5 APR
60
No Higher Lending Charge.
10% capital repayments are allowed each year.
Reverts to 2.19% Discount until 31 October 2013 and then the Society's Standard Variable Rate for remainder of mortgage term.
FREE Standard Valuation up to £335.
FREE in-house legal services for re-mortgages.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 4/3/2% of the amount redeemed.
31/10/2013
None
Booking Fee:
£199¹
Completion Fee for loans up to £500,000:
£400
Completion Fee for loans over £500,000:
1% of loan

¹Booking fee must be paid to the Society on submission of the application and is non refundable.


1 Year Fixed Rate up to and including 31 October 2011
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
4.49
5.6 APR
80
No Higher Lending Charge.
10% capital repayments are allowed each year.
Reverts to 1.69% Discount until 31 October 2013 and then the Society's Standard Variable Rate for remainder of mortgage term.
FREE Standard Valuation up to £335.
FREE in-house legal services for re-mortgages.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 4/3/2% of the amount redeemed.
31/10/2013
None
Booking Fee:
£199¹
Completion Fee for loans up to £500,000:
£800
Completion Fee for loans over £500,000:
1% of loan

¹Booking fee must be paid to the Society on submission of the application and is non refundable.


2 Year Fixed Rate up to and including 31 October 2012
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
3.39
3.69
4.39
5.49
5.7 APR
5.7 APR
5.8 APR
6.1 APR
60
75
80
85
No Higher Lending Charge.
10% capital repayments are allowed each year.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 3/2% of the amount redeemed.
31/10/2012
None
Booking Fee:
£199¹
Completion Fee for loans up to £500,000:
£800
Completion Fee for loans over £500,000:
1% of loan

¹Booking fee must be paid to the Society on submission of the application and is non refundable.


Fees Assisted 2 Year Fixed Rate up to and including 31 October 2012
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
3.99
4.29
5.14
5.99
5.7 APR
5.7 APR
5.9 APR
6.1 APR
60
75
80
85
No Higher Lending Charge.
10% capital repayments are allowed each year.
FREE Standard Valuation up to £335.
FREE in-house legal services for re-mortgages.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 3/2% of the amount redeemed.
31/10/2012
None
Booking Fee:
£199¹

¹Booking fee must be paid to the Society on submission of the application and is non refundable.


3 Year Fixed Rate up to and including 30 September 2013
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
3.89
4.14
4.74
5.54
5.6 APR
5.6 APR
5.8 APR
6.1 APR
60
75
80
85
No Higher Lending Charge.
10% capital repayments are allowed each year.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 4/3/2% of the amount redeemed.
30/09/2013
0.24% discount available on this product if your client chooses to take our Homecover insurance². Call our Insurance Team on 0113 225 7667 for details.
Booking Fee:
£199¹
Completion Fee for loans up to £500,000:
£800
Completion Fee for loans over £500,000:
1% of loan

¹Booking fee must be paid to the Society on submission of the application and is non refundable.
²If your client is eligible for our Homecover Insurance, then an alternative mortgage product is available with a 0.24% discount on the rate shown in the "Gross Rate" column. To check your clients eligibility for the Homecover and to take advantage of this discount, call our Insurance team on 0113 225 7667. This offer is not available to online applications.


Fees Assisted 3 Year Fixed Rate up to and including 30 September 2013
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
4.65
5.55
6.34
5.7 APR
6.0 APR
6.2 APR
60
80
85
No Higher Lending Charge.
10% capital repayments are allowed each year.
FREE Standard Valuation up to £335.
FREE in-house legal services for re-mortgages.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 4/3/2% of the amount redeemed.
30/09/2013
None
Booking Fee:
£199¹

¹Booking fee must be paid to the Society on submission of the application and is non refundable.


3 Year Fixed Rate up to and including 31 July 2013
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
4.64
5.24
5.8 APR
6.0 APR
60
80
No Higher Lending Charge.
Unlimited capital repayments allowed.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
None
None
None
Booking Fee:
£199¹
Completion Fee for loans up to £500,000:
£800
Completion Fee for loans over £500,000:
1% of loan

¹Booking fee must be paid to the Society on submission of the application and is non refundable.


5 Year Fixed Rate up to and including 30 September 2015
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
4.79
4.99
5.70
5.8 APR
5.8 APR
6.1 APR
75
80
85
No Higher Lending Charge.
10% capital repayments are allowed each year.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 5/5/4/3/2% of the amount redeemed.
30/09/2015
None
Booking Fee:
£199¹
Completion Fee for loans up to £500,000:
£800
Completion Fee for loans over £500,000:
1% of loan

¹Booking fee must be paid to the Society on submission of the application and is non refundable.


Fees Assisted 5 Year Fixed Rate up to and including 30 September 2015
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
5.39
5.79
6.25
5.9 APR
6.1 APR
6.3 APR
75
80
85
No Higher Lending Charge.
10% capital repayments are allowed each year.
FREE Standard Valuation up to £335.
FREE in-house legal services for re-mortgages.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 5/5/4/3/2% of the amount redeemed.
30/09/2015
None
Booking Fee:
£199¹

¹Booking fee must be paid to the Society on submission of the application and is non refundable.


2 Year Base Rate Tracker +2.99% up to and including 30 April 2012
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
3.49
5.7
75
No Higher Lending Charge.
10% capital repayments are allowed each year without penalty.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 3/2% of the amount redeemed.
30/04/2012
None
Booking Fee:
£199¹
Completion Fee for loans up to £500,000:
£800
Completion Fee for loans over £500,000:
1% of loan

¹Booking fee must be paid to the Society on submission of the application and is non refundable.


2 Year Base Rate Tracker +3.49% up to and including 30 April 2012
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
3.99
5.8
70
No Higher Lending Charge.
Unlimited capital repayments are allowed each year without penalty.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
None
None
None
Booking Fee:
£199¹
Completion Fee for loans up to £500,000:
£800
Completion Fee for loans over £500,000:
1% of loan

¹Booking fee must be paid to the Society on submission of the application and is non refundable.


0.50% 2 Year Discount
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:

5.19
6.2 APR
60

No Higher Lending Charge
10% capital repayments are allowed each year.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 3/2% of the amount redeemed.
First 2 years
None
Booking Fee:
£199¹
Completion Fee for loans up to £250,000:
£1,300
Completion Fee for loans between £250,000 and £500,000:
0.5% of loan
Completion Fee for loans over £500,000:
1% of loan
¹Booking fee must be paid to the Society on submission of the application and is non refundable.


Fees Assisted 0.25% 2 Year Discount
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:

5.44
6.1 APR
60

No Higher Lending Charge
FREE Standard valuation up to £335
10% capital repayments are allowed each year.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 3/2% of the amount redeemed.
First 2 years
None
Booking Fee:
£199¹
Completion Fee for loans up to £250,000:
£800
Completion Fee for loans between £250,000 and £500,000:
0.5% of loan
Completion Fee for loans over £500,000:
1% of loan
¹Booking fee must be paid to the Society on submission of the application and is non refundable.


Shared Ownership Fees Assisted 3 Year Fixed Rate up to and including 31 July 2013 (not Portable and not available in Scotland)
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
7.89
6.7
75
No Higher Lending Charge.
FREE Standard Valuation up to £335.
FREE in-house legal services for re-mortgages.
95% of borrowers share available.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 4/3/2% of the amount redeemed.
31/07/2013
None
Booking Fee:
£199¹
¹Booking fee must be paid to the Society on submission of the application and is non refundable.


Shared Ownership SVR + 1.15% For 5 Years (not Portable and not available in Scotland)
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
6.84
6.7
75
No Higher Lending Charge.
£250 cashback.
95% of borrowers share available.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 2/3/3/3/2% of the amount redeemed.
First 5 years
None
Booking Fee:
£199¹
Completion Fee for loans up to £500,000:
£99
Completion Fee for loans over £500,000:
1% of loan
¹Booking fee must be paid to the Society on submission of the application and is non refundable.


Shared Equity Affordable Housing Fees Assisted 3 Year Fixed Rate up to and including 30 April 2013 (not portable and not available in Scotland)
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
7.89
6.7
90
No Higher Lending Charge.
FREE standard valuation up to £335.
FREE in-house legal services for re-mortgages.
90% of borrowers share available.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 4/3/2% of the amount redeemed.
30/04/2013
None
Booking Fee:
£199¹
¹Booking fee must be paid to the Society on submission of the application and is non refundable.


Scottish Homestake/ Lift Fees Assisted 3 Year Fixed Rate up to and including 30 April 2013 (Not Portable and only available in Scotland)
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
7.99
6.7
90
No Higher Lending Charge.
FREE standard valuation up to £335.
FREE in-house legal services for re-mortgages.
90% of borrowers share available.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 4/3/2% of the amount redeemed.
30/04/2013
None
Booking Fee:
£199¹
Note: Only available for applications in conjunction with the Homestake / Lift scheme.
¹Booking fee must be paid to the Society on submission of the application and is non refundable.


Shared Equity Affordable Housing SVR + 1.15% For 5 Year (Not Portable and not available in Scotland)
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
6.84
6.7
90
No Higher Lending Charge.
90% of borrowers share available.
£250 cashback
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 2/3/3/3/2% of the amount redeemed.
First 5 years
None
Booking Fee:
£199¹
Completion Fee for loans up to £500,000:
£99
Completion Fee for loans over £500,000:
1% of loan
¹Booking fee must be paid to the Society on submission of the application and is non refundable.


Scottish Homestake / Lift SVR + 1.15% For 5 Years (Not Portable and only available in Scotland)
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
6.84
6.7
90
No Higher Lending Charge.
90% of borrowers share available.
£250 cashback
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 2/3/3/3/2% of the amount redeemed.
First 5 years
None
Booking Fee:
£199¹
Completion Fee for loans up to £500,000:
£99
Completion Fee for loans over £500,000:
1% of loan
Note: Only available for applications in conjunction with the Homestake/Lift scheme.
¹Booking fee must be paid to the Society on submission of the application and is non refundable.


Buy to Let 2 Year Fixed Rate up to and including 31 August 2012
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
5.29
5.59
5.79
6.3 APR
6.4 APR
6.5 APR
60
65
70

No Higher Lending Charge.
10% capital repayments are allowed each year.
Maximum loan £500,000

Early Repayment Charge
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 3/2% of the amount redeemed.
31/08/2012
None
Booking Fee:
£199¹
Completion Fee:
£800
¹Booking fee must be paid to the Society on submission of the application and is non refundable.


Buy to Let 3 Year Fixed Rate up to and including 31 August 2013
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
5.49
5.79
5.99
6.4 APR
6.4 APR
6.6 APR
60
65
70

No Higher Lending Charge.
10% capital repayments are allowed each year.
Maximum loan £500,000

Early Repayment Charge
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 4/3/2% of the amount redeemed.
31/08/2013
None
Booking Fee:
£199¹
Completion Fee:
£1,350
¹Booking fee must be paid to the Society on submission of the application and is non refundable.


Buy to Let 5 Year Fixed Rate up to and including 31 August 2015
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
5.69
5.99
6.29
6.4 APR
6.7 APR
6.7 APR
60
65
70
No Higher Lending Charge.
10% capital repayments are allowed each year.
Maximum loan £500,000
Early Repayment Charge
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 5/5/4/3/2% of the amount redeemed.
31/08/2015
None
Booking Fee:
£199¹
Completion Fee:
£1,350
¹Booking fee must be paid to the Society on submission of the application and is non refundable.


Buy to Let Variable Rate
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
5.99
5.99
6.4 APR
6.6 APR
60
70
Standard Variable Rate plus 0.30% for the term of the mortgage.
Unlimited capital repayments.
Maximum loan £500,000.
Early Repayment Charge
Early Repayment Charges apply up to and including
Homecover Discount
Fees
None
None
None
Booking Fee:
£199¹
Completion Fee (Maximum 60% Loan To Value):
£800
Completion Fee (Maximum 70% Loan To Value):
£1,350
¹Booking fee must be paid to the Society on submission of the application and is non refundable.


Offset 2 Year Fixed Rate up to and including 31 August 2012
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
3.64
3.94
4.64
5.7 APR
5.7 APR
5.9 APR
60
75
80
No Higher Lending Charge.
10% capital repayments are allowed each year.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 3/2% of the amount redeemed.
31/08/2012
None
Booking Fee:
£199¹
Completion Fee Up to £500,000:
£800
Completion Fee Over £500,000:
1% of loan
¹Booking fee must be paid to the Society on submission of the application and is non refundable.


Offset Fees Assisted 2 Year Fixed Rate up to and including 31 August 2012
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
4.24
4.54
5.39
5.7 APR
5.8 APR
5.9 APR
60
75
80
No Higher Lending Charge.
FREE Standard Valuation up to £335.
FREE in-house legal services for re-mortgages.
10% capital repayments are allowed each year.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
Tapered charges of 3/2% of the amount redeemed.
31/08/2012
None
Booking Fee:
£199¹
¹Booking fee must be paid to the Society on submission of the application and is non refundable.


Offset Variable Rate
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
5.69
6.1 APR
80
No Higher Lending Charge.
Unlimited capital repayments are allowed each year without penalty.
Flexible Features
Daily Interest
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
None
None
None
Booking Fee:
£199¹
Completion Fee Up to £500,000:
£400
Completion Fee Over £500,000:
1% of loan
¹Booking fee must be paid to the Society on submission of the application and is non refundable.


Standard Variable Rate
Gross Rate (%)
The overall cost for comparison (%)
Maximum
Loan To Value (%)
Special Incentives:
5.69
6.0 APR
80
No Higher Lending Charge.
Unlimited capital repayments.
Early Repayment Charges
Early Repayment Charges apply up to and including
Homecover Discount
Fees
None
None
None
Booking Fee:
£199¹
¹Booking fee must be paid to the Society on submission of the application and is non refundable.

Read our Important Notes

What happens at the end of the Special Product Period?

At the end of the Special Fixed/Tracker/Capped/Discounted period of each product detailed above, your mortgage will revert to our Standard Variable Rate (SVR) applicable at the time (currently 5.69%).

What about Discounted Products?

Some Leeds Building Society mortgages are discounted if Homecover (Buildings and Contents insurance) is also taken out with the society. This is detailed in the "Homecover Discount" column. If available you will receive a 0.24% discount on the interest rate detailed in the "Gross" column.

Re-Mortgaging?

Leeds Building Society can offer a quick and efficient in-house re-mortgage legal service. The cost of this excellent service is £250 in England, Wales, Scotland & Northern Ireland (this service is FREE on certain products). Using our re-mortgage service ensures that your re-mortgage goes through quickly so you can benefit from our product rates sooner. The service includes all re-mortgage fees but additional fees may be payable for extra work, for example, if a new owner is to be added to the deeds. This service is not available on Buy to Let remortgages in Northern Ireland.

Existing Leeds Building Society mortgage customer moving home?

As an existing customer our Loyalty Reward Mortgage Scheme will give you the following great benefits:

  • £200 cashback when your mortgage completes as an extra special thank you for keeping your mortgage with the Society.
  • Faster application service than regular applications – an offer within 4 working days (if all items of mortgage paperwork are received at application stage).
  • Full advice available on all aspects of your mortgage including legal advice, protecting your payments and buildings and contents insurance.

You can rely on us for a hassle free process from a friendly, professional lender you can trust. We are an independent, financially strong institution looking after our members’ interests whilst offering competitive products.

Any Questions?

Please contact your nearest Development Manager.

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

The products and services on this site are available to UK residents only. Applicants must be aged 18 or over and a full appraisal of your financial commitments will be made. Mortgages are subject to eligibility, status and financial standing. All loans must be secured by a first legal charge on properties situated within the UK. Mortgages that are for Buy to Let properties are regulated by the Consumer Credit Act 1974 and not by the Financial Services Authority.

The Society is covered by the Financial Ombudsman Service. We may monitor and/or record your telephone conversation with the Society to ensure consistent service levels (including staff training). The Society's main business is the provision of savings products, mortgages and general insurance. The Society offers some investment products that may be operated through branches and by post and certain products which can be operated by post only.

Leeds Building Society is authorised and regulated by the Financial Services Authority and our registration number is 164992. You can check this on the FSA register by visiting the FSA website at www.moneymadeclear.fsa.gov.uk or by contacting the FSA on 0845 606 1234.