Residential Mortgage
Interest Rates

Correct as at 16 January 2012.

Home Lending	Current p.a.%
Northern Bank Base Rate (NBBR)	0.50
House Mortgage Base Rate	3.60
Standard Variable Rate	4.35

Variable Rate Mortgages

Loan to Value	Current p.a. %	Tracks above Northern Bank Base Rate (currently 0.50%), by	Overall Cost for Comparison APR%	Arrangement Fee
Base Rate Tracker Mortgage Minimum Loan amount £30,000
Less than 60%	2.99	+ 2.49	3.3	£999
60% to less than 75%	3.19	+ 2.69	3.5	£999
75% to less than 85%	3.99	+ 3.49	4.3	£999
85% to 95%	4.99	+ 4.49	5.4	£999

	Current p.a. %	Overall Cost for comparison APR %	Arrangement Fee
Northern Re:pay - Variable Rate
Tier 1 £50,000 - £99,999	3.54	4.0	£999
Tier 2 £100,000 - £149,999	3.29	3.5	£999
Tier 3 £150,000 - £199,999	2.99	3.1	£999
Tier 4 £200,000+	2.99	3.1	£999

	Current p.a. %	Overall Cost for comparison APR %	Arrangement Fee
Standard Variable Rate Minimum Loan amount £10,000	4.35	5.1	£999

Fixed Rate Mortgages

Less than 60% Loan To Value:

	Current p.a. %	Overall Cost for comparison APR %	Arrangement Fee	Early Repayment Charge (% of outstanding balance)
Fixed Rate Packages Minimum Loan amount £30,000
Fixed until 1 April 2014 Changing from 1 April 2014 for remainder of Home Loan to Northern Standard Variable Rate.	3.18 4.35	4.4	£899 plus £100 Booking Fee	To 1 April 2014 1st year 4% 2nd year 3% 3rd year 2%
Fixed until 1 April 2015 Changing from 1 April 2015 for remainder of Home Loan to Northern Standard Variable rate.	3.88 4.35	4.5	£899 plus £100 Booking Fee	To 1 April 2015 1st year 5% 2nd year 4% 3rd year 3% 4th year 2%
Fixed until 3 April 2017 Changing from 3 April 2017 for remainder of Home Loan to Northern Standard Variable Rate.	4.08 4.35	4.6	£899 plus £100 Booking Fee	To 3 April 2017 1st year 5% 2nd year 5% 3rd year 4% 4th year 3% 5th year 2% 6th year 2%

60% to less than 75% Loan To Value:

	Current p.a. %	Overall Cost for comparison APR %	Arrangement Fee	Early Repayment Charge (% of outstanding balance)
Fixed Rate Packages Minimum Loan amount £30,000
Fixed until 1 April 2014 Changing from 1 April 2014 for remainder of Home Loan to Northern Standard Variable Rate.	3.38 4.35	4.5	£899 plus £100 Booking Fee	To 1 April 2014 1st year 4% 2nd year 3% 3rd year 2%
Fixed until 1 April 2015 Changing from 1 April 2015 for remainder of Home Loan to Northern Standard Variable rate.	3.98 4.35	4.6	£899 plus £100 Booking Fee	To 1 April 2015 1st year 5% 2nd year 4% 3rd year 3% 4th year 2%
Fixed until 3 April 2017 Changing from 3 April 2017 for remainder of Home Loan to Northern Standard Variable Rate.	4.28 4.35	4.7	£899 plus £100 Booking Fee	To 3 April 2017 1st year 5% 2nd year 5% 3rd year 4% 4th year 3% 5th year 2% 6th year 2%

75% to 85% Loan To Value:

	Current p.a. %	Overall Cost for comparison APR %	Arrangement Fee	Early Repayment Charge (% of outstanding balance)
Fixed Rate Packages Minimum Loan amount £30,000
Fixed until 1 April 2014 Changing from 1 April 2014 for remainder of Home Loan to Northern Standard Variable Rate.	4.18 4.35	4.7	£899 plus £100 Booking Fee	To 1 April 2014 1st year 4% 2nd year 3% 3rd year 2%
Fixed until 1 April 2015 Changing from 1 April 2015 for remainder of Home Loan to Northern Standard Variable rate.	4.38 4.35	4.7	£899 plus £100 Booking Fee	To 1 April 2015 1st year 5% 2nd year 4% 3rd year 3% 4th year 2%
Fixed until 3 April 2017 Changing from 3 April 2017 for remainder of Home Loan to Northern Standard Variable Rate.	4.78 4.35	4.9	£899 plus £100 Booking Fee	To 3 April 2017 1st year 5% 2nd year 5% 3rd year 4% 4th year 3% 5th year 2% 6th year 2%

85% to 95% Loan To Value:

	Current p.a. %	Overall Cost for comparison APR %	Arrangement Fee	Early Repayment Charge (% of outstanding balance)
Fixed Rate Packages Minimum Loan amount £30,000
Fixed until 1 April 2014 Changing from 1 April 2014 for remainder of Home Loan to Northern Standard Variable Rate.	5.48 4.35	5.0	£899 plus £100 Booking Fee	To 1 April 2014 1st year 4% 2nd year 3% 3rd year 2%
Fixed until 1 April 2015 Changing from 1 April 2015 for remainder of Home Loan to Northern Standard Variable rate.	5.68 4.35	5.2	£899 plus £100 Booking Fee	To 1 April 2015 1st year 5% 2nd year 4% 3rd year 3% 4th year 2%
Fixed until 3 April 2017 Changing from 3 April 2017 for remainder of Home Loan to Northern Standard Variable Rate.	5.98 4.35	5.6	£899 plus £100 Booking Fee	To 3 April 2017 1st year 5% 2nd year 5% 3rd year 4% 4th year 3% 5th year 2% 6th year 2%

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