YBS Mortgages 3 year fixed Offset until 30/06/11

3 year fixed Offset until 30/06/11 - Min 25% deposit

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

	Home movers & remortgages	Remortgages with fee assistance
Interest rate:	6.44% until 30/06/11 then 6.90% variable (our SVR) for the remaining term of your mortgage	6.54% until 30/06/11 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.
Equivalent Savings Rate:	8.05% basic/lower rate taxpayer 10.73% higher rate taxpayer	8.18% basic/lower rate taxpayer 10.90% higher rate taxpayer
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:	£995 (£195 of this fee is payable on application and is non-refundable, and £800 is added to your account on completion)
Minimum Loan:	£25,001
Maximum Loan to Value:	75%
Higher Lending Charge:	None
Early repayment charge:	3% before 30/06/11 The early repayment charge is based on the total amount you have borrowed and so disregards any payments you make during the fixed rate period which may have reduced the total amount borrowed.
Mortgage Fee:	£90 (payable on redemption of your mortgage)