Residential Mortgage
Interest Rates

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

Correct as at 15 August 2012.

Home Lending	Current p.a.%
Northern Bank Base Rate (NBBR)	0.50
House Mortgage Base Rate	4.00
Standard Variable Rate	4.75

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
Loan to Value (LTV)
Up to 60%	3.29	+ 2.79	3.5	£500
61% to 80%	3.49	+ 2.99	3.7	£500
81% to 85%	4.49	+ 3.99	4.8	£500
86% to 90%	5.29	+ 4.79	5.6	£500
91% to 95%	5.99	+ 5.49	6.3	£500

	Current p.a. %	Overall Cost for comparison APR %	Arrangement Fee
Northern Re:pay - Variable Rate
Tier 1 £50,000 - £99,999	3.54	3.8	£500
Tier 2 £100,000 - £149,999	3.29	3.5	£500
Tier 3 £150,000 - £199,999	2.99	3.1	£500
Tier 4 £200,000+	2.99	3.1	£500

Fixed Rate Mortgages

Up to 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 2 January 2015 Changing from 2 January 2015 for remainder of Home Loan to our Standard Variable Rate.	3.28 4.75	4.6	£400 plus £100 Booking Fee	To 2 January 2015 1st year 4% 2nd year 3% 3rd year 2%
Fixed until 4 January 2016 Changing from 4 January 2016 for remainder of Home Loan to our Standard Variable Rate.	3.68 4.75	4.6	£400 plus £100 Booking Fee	To 4 January 2016 1st year 5% 2nd year 4% 3rd year 3% 4th year 2%
Fixed until 2 January 2018 Changing from 2 January 2018 for remainder of Home Loan to our Standard Variable Rate.	4.08 4.75	4.7	£400 plus £100 Booking Fee	To 2 January 2018 1st year 5% 2nd year 5% 3rd year 4% 4th year 3% 5th year 2% 6th year 2%

61% to 80% 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 2 January 2015 Changing from 2 January 2015 for remainder of Home Loan to our Standard Variable Rate.	3.48 4.75	4.7	£400 plus £100 Booking Fee	To 2 January 2014 1st year 4% 2nd year 3% 3rd year 2%
Fixed until 4 January 2016 Changing from 4 January 2016 for remainder of Home Loan to our Standard Variable Rate.	3.88 4.75	4.7	£400 plus £100 Booking Fee	To 4 January 2016 1st year 5% 2nd year 4% 3rd year 3% 4th year 2%
Fixed until 2 January 2018 Changing from 2 January 2018 for remainder of Home Loan to our Standard Variable Rate.	4.28 4.75	4.8	£400 plus £100 Booking Fee	To 2 January 2018 1st year 5% 2nd year 5% 3rd year 4% 4th year 3% 5th year 2% 6th year 2%

81% 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 2 January 2015 Changing from 2 January 2015 for remainder of Home Loan to our Standard Variable Rate.	4.48 4.75	5.0	£400 plus £100 Booking Fee	To 2 January 2015 1st year 4% 2nd year 3% 3rd year 2%
Fixed until 4 January 2016 Changing from 4 January 2016 for remainder of Home Loan to our Standard Variable Rate.	4.68 4.75	5.0	£400 plus £100 Booking Fee	To 4 January 2016 1st year 5% 2nd year 4% 3rd year 3% 4th year 2%
Fixed until 2 January 2018 Changing from 2 January 2018 for remainder of Home Loan to our Standard Variable Rate.	4.98 4.75	5.2	£400 plus £100 Booking Fee	To 2 January 2018 1st year 5% 2nd year 5% 3rd year 4% 4th year 3% 5th year 2% 6th year 2%

86% to 90% 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 2 January 2015 Changing from 2 January 2015 for remainder of Home Loan to our Standard Variable Rate.	5.28 4.75	5.2	£400 plus £100 Booking Fee	To 2 January 2015 1st year 4% 2nd year 3% 3rd year 2%
Fixed until 4 January 2016 Changing from 4 January 2016 for remainder of Home Loan to our Standard Variable Rate.	5.48 4.75	5.3	£400 plus £100 Booking Fee	To 4 January 2016 1st year 5% 2nd year 4% 3rd year 3% 4th year 2%
Fixed until 2 January 2018 Changing from 2 January 2018 for remainder of Home Loan to our Standard Variable Rate.	5.68 4.75	5.5	£400 plus £100 Booking Fee	To 2 January 2018 1st year 5% 2nd year 5% 3rd year 4% 4th year 3% 5th year 2% 6th year 2%

91% 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 2 January 2015 Changing from 2 January 2015 for remainder of Home Loan to our Standard Variable Rate.	5.98 4.75	5.4	£400 plus £100 Booking Fee	To 2 January2015 1st year 4% 2nd year 3% 3rd year 2%
Fixed until 4 January 2016 Changing from 4 January 2016 for remainder of Home Loan to our Standard Variable Rate.	6.18 4.75	5.6	£400 plus £100 Booking Fee	To 4 January 2016 1st year 5% 2nd year 4% 3rd year 3% 4th year 2%
Fixed until 2 January 2018 Changing from 2 January 2018 for remainder of Home Loan to our Standard Variable Rate.	6.38 4.75	5.9	£400 plus £100 Booking Fee	To 2 January2018 1st year 5% 2nd year 5% 3rd year 4% 4th year 3% 5th year 2% 6th year 2%

APR stands for ‘annual percentage rate’. It aims to give people a more accurate idea of how much they are being charged when they borrow money. It allows people to compare the total cost of borrowing money for different types of loan, and lengths of time.

Loan to Value (LTV) is the amount of your mortgage relative to the value of your home at the date you take out your mortgage.

The actual rate available will depend on your circumstances. Ask for a personalised illustration.

You will be required to have a current account with us to service the mortgage.

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Residential Mortgage Interest Rates

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Residential Mortgage
Interest Rates