Mortgages

First Time Buyer Mortgage Rates

Customer Mortgage Range
Rates correct as at 30 January 2010

Products are only available to new borrowers and existing borrowers moving home. Loan To Value... APR... Are all these terms confusing you? Use our Jargon Buster

Shared Ownership 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	6.6	75	No Higher Lending Charge. FREE Standard Valuation up to £335. FREE in-house legal services for re-mortgages. 90% of borrower 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
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch
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:
6.64	6.4	75	No Higher Lending Charge. £250 cashback. 90% 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
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch
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	6.6	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
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch
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	6.6	90	No Higher Lending Charge. FREE Standard Valuation up to £335. FREE in-house legal services for re-mortgages. 90% of borrowers share available. Only available in Scotland
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
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch
¹Booking fee must be paid to the Society on submission of the application and is non refundable. Note: Only available for applications in conjunction with the Homestake / Lift scheme.

Shared Equity Affordable Housing 5 Year 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:
6.64	6.4	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
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch
¹Booking fee must be paid to the Society on submission of the application and is non refundable.

Scottish Homestake / Lift 5 Year 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:
6.64	6.4	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
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch
¹Booking fee must be paid to the Society on submission of the application and is non refundable. Note: Only available for applications in conjunction with the Homestake/ Lift scheme.

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 5.49%).

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. Terms and conditions apply, ask in branch for details.
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 a mutual, independent and financially strong institution looking after our members’ interests whilst offering competitive products.

Any Questions?

Please contact your local branch or call us direct on 08450 50 50 62. Lines are open 8am to 8pm seven days a week

Legal notice | Security & Privacy | Resolving problems | Site Map

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. 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 savings 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.