YBS Mortgages 5 year fixed rate until 30/06/13

5 year fixed rate until 30/06/13 - No product fee

The details of this mortgage product should be read in conjunction with Additional Mortgage Information

	Home movers & remortgages	Remortgages with fee assistance
Interest rate:	6.69% until 30/06/13 then 6.90% variable (our SVR) for the remaining term of your mortgage	6.79% until 30/06/13 then 6.90% variable (our SVR) for the remaining term of your mortgage
The overall cost for comparison is:	7.1% APR	7.1% APR
Fee Assistance:	None	Free legal service and free valuation.
Product Available for:	First Time Buyers Customers remortgaging from another lender New customers moving home Existing YBS borrowers moving home	Customers remortgaging from another lender
Product Fee:	None
Minimum Loan:	£25,001
Maximum Loan to Value:	90%
Higher Lending Charge:	None
Early repayment charge:	5% before 30/06/11, then 4% before 30/06/12, then 3% before 30/06/13 If the product is repaid in full or in part, or transferred (in full or in part), an early repayment charge is payable as described above. However, overpayments (monthly or lump sum) up to a total of 10% of the outstanding loan per year are allowed without charge. Any amount repaid over the 10% limit will incur a charge of the percentage specified on the excess amount.
Mortgage Fee:	£90 (payable on redemption of your mortgage)
Existing YBS borrowers not moving home:	Find out more about mortgage product transfers, or additional borrowing products for existing YBS customers. (Please note a £95 fee is payable on release of additional funds.)