YBS Mortgages Full Term Offset Tracker

Full Term Offset Tracker - 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:	6.99% variable (BoE base rate + 1.99%) for the full term of the mortgage.	7.09% variable (BoE base rate + 2.09%) for the full term of the mortgage.
The overall cost for comparison is:	7.3% APR	7.3% APR
Fee Assistance:	None	Free legal service and free valuation.
Equivalent Savings Rate:	8.74% basic/lower rate taxpayer 11.65% higher rate taxpayer	8.86% basic/lower rate taxpayer 11.82% 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:	1% in year 1 The early repayment charge is based on the total amount you have borrowed and so disregards any payments you make during the first year, 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.)