Fixed Rate Mortgage

"Fixed repayments making budgeting & planning easier"

With a fixed rate mortgage, the interest rate on your loan is held during the fixed rate period giving you added peace of mind and allowing easier budgeting and planning.

Our newly launched fixed rate product, sees the interest rate set until 30th April 2012.

% Loan to Value	Interest rate	Overall Cost for Comparison
75% or lower	4.5%	5.0% APR
Over 75% up to 90%	5.99%	5.4% APR

Following the fixed rate the loan reverts to our variable rate, currently 4.99% at the end of the fixed rate period.  

Key features:

• £350 arrangement fee payable on application
• Loans available over terms of up to 25 years
• Discounted survey fees
• No overpayments permitted during the fixed rate period
• Early repayment charge of 3% during the fixed rate period
• Buildings insurance required - you are free to choose your own insurance provider
• For purchases we can help you to find a lawyer and your legal fees can be added to the loan if required.
• For re-mortgages, legal work will be arranged by Scotwest and the fees can be added to the loan if required. Conditions apply.
• Further advances available

Please remember your home may be repossessed if you do not keep
up the repayments on your mortgage