Mortgages

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

Offset 5 Year Fixed rate up to and including 30 April 2015
Gross Rate (%)	The overall cost for comparison (%)	Maximum Loan To Value (%)	Special Incentives:
5.74 6.14 6.44	5.9 APR 6.1 APR 6.2 APR	60 80 85	No Higher Lending Charge. 10% capital repayments are allowed each year.
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.	30/04/2015	0.24% discount available on this product if you choose to take our Homecover insurance². Call our Mortgage Hotline on 08450 50 50 62 for details.	Booking Fee: £199¹ Completion Fee for loans up to £500,000: £800 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. ²If you choose to take our Homecover insurance, then an alternative product is available with a 0.24% discount on the rate shown in the "Gross Rate" column. For further details and to take advantage of this discount, call our Mortgage Hotline on 08450 50 50 62. This offer is not available to online applications.

Fees Assisted Offset 5 Year Fixed rate up to and including 30 April 2015
Gross Rate (%)	The overall cost for comparison (%)	Maximum Loan To Value (%)	Special Incentives:
6.19 6.59 6.89	6.0 APR 6.2 APR 6.3 APR	60 80 85	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 without penalty.
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.	30/04/2015	0.24% discount available on this product if you choose to take our Homecover insurance². Call our Mortgage Hotline on 08450 50 50 62 for details.	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. ²If you choose to take our Homecover insurance, then an alternative product is available with a 0.24% discount on the rate shown in the "Gross Rate" column. For further details and to take advantage of this discount, call our Mortgage Hotline on 08450 50 50 62. This offer is not available to online applications.

Offset Variable Rate
Gross Rate (%)	The overall cost for comparison (%)	Maximum Loan To Value (%)	Special Incentives:
5.49	5.8 APR	80	No Higher Lending Charge. Unlimited capital repayments.
Early Repayment Charge	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: £400 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.

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