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

3 year fixed Offset until 30/06/11 - 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:	7.04% until 30/06/11 then 6.90% variable (our SVR) for the remaining term of your mortgage	7.14% until 30/06/11 then 6.90% variable (our SVR) for the remaining term of your mortgage
The overall cost for comparison is:	7.2% APR	7.2% APR
Fee Assistance:	None	Free legal service and free valuation.
Equivalent Savings Rate:	8.80% basic/lower rate taxpayer 11.73% higher rate taxpayer	8.93% basic/lower rate taxpayer 11.90% 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:	None
Minimum Loan:	£25,001
Maximum Loan to Value:	90%
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)
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.)