Mortgages up to 95% loan to value

You'll be pleased to learn that we now offer a number of mortgages, which are available up to 95% loan to value.

These products are available for house purchases or for customers remortgaging from another lender (unless stated otherwise).

Rates correct as at 18 January 2012

2 Year 1.34% Discount
Initial Rate is the Society's Standard Variable Rate less a discount of 1.34%, currently	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
4.35% for 2 years	5.69% For the remaining term of the mortgage	5.8% APR	90%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply for the first 2 years. Maximum loan size of £400,000		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199 Completion Fee: £800
	Call our Mortgage Hotline 08452 34 40 48		Apply at your local branch

2 Year 0.44% Discount
Initial Rate is the Society's Standard Variable Rate less a discount of 0.44%, currently	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
5.25% for 2 years	5.69% For the remaining term of the mortgage	6.0% APR	95%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply for the first 2 years. Maximum loan size of £300,000		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199 Completion Fee: £800
	Call our Mortgage Hotline 08452 34 40 48		Apply at your local branch

Fee Assisted 2 Year Standard Variable Rate + 0.20%
Initial Rate is the Society's Standard Variable Rate plus 0.20%, currently	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
5.89% for 2 years	5.69% For the remaining term of the mortgage	6.1% APR	95%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages. Tapered Early Repayment Charges apply for the first 2 years. Maximum loan size of £300,000		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
	Call our Mortgage Hotline 08452 34 40 48		Apply at your local branch

2 Year Fees Assisted 0.74% Discount
Initial Rate is the Society's Standard Variable Rate less a discount of 0.74%, currently	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
4.95% for 2 years	5.69% For the remaining term of the mortgage	5.9% APR	90%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages. Tapered Early Repayment Charges apply for the first 2 years. Maximum loan size of £400,000		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
	Call our Mortgage Hotline 08452 34 40 48		Apply at your local branch

5 Year Fixed Rate up to and including 28 February 2017
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
4.94% 5.99% Fixed up to and including 28/02/2017	5.69% 5.69% For the remaining term of the mortgage	5.8% APR 6.2% APR	90% 95%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
The rate shown in the "Initial Rate" column includes a 0.24% discount for taking our HomeCover (Buildings and Contents) Insurance. If the HomeCover Insurance is not taken, the discount will not apply.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. Tapered Early Repayment Charges apply up to and including 28 February 2017. For fixed rate mortgages between 85% loan to value and 90% loan to value, a maximum loan size of £400,000 applies. For fixed rate mortgages between 90% loan to value and 95% loan to value, a maximum loan size of £300,000 applies.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee: £800 Redemption Fee: £199
	Call our Mortgage Hotline 08452 34 40 48		Apply at your local branch

Fees Assisted 5 Year Fixed Rate up to and including 28 February 2017
Initial Rate	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
5.34% 6.39% Fixed up to and including 28/02/2017	5.69% 5.69% For the remaining term of the mortgage	5.9% APR 6.3% APR	90% 95%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
The rate shown in the "Initial Rate" column includes a 0.24% discount for taking our HomeCover (Buildings and Contents) Insurance. If the HomeCover Insurance is not taken, the discount will not apply.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages. Tapered Early Repayment Charges apply up to and including 28 February 2017. For fixed rate mortgages between 85% loan to value and 90% loan to value, a maximum loan size of £400,000 applies. For fixed rate mortgages between 90% loan to value and 95% loan to value, a maximum loan size of £300,000 applies.		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
	Call our Mortgage Hotline 08452 34 40 48		Apply at your local branch

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 "Initial Rate" 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 for standard re-mortgages 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. Free in-house legal services are not available on certain products including shared ownership if you are increasing your share of the property, buy to let in Northern Ireland or Self-build.

Existing Leeds Building Society mortgage customer moving home?

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

• Fast application service
• Full advice available on your mortgage
• Completion Fees added to your loan

Find out more about the Loyalty Reward Mortgage Scheme »

Any Questions?

Please contact your local branch or call us direct on 08452 34 40 48. Lines are open 8am to 8pm seven days a week.