Interest Rates and Charges: Mortgages
Rates and charges for our mortgages
Rates of interest are subject to change but are correct as at 1st December 2008.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Click here to view interest rates and charges for Investment housing loans
Fixed Rate Mortgages
Fixed Rate for Loan to Value <= 75%
Fixed Rate for Loan to Value > 75%
First time buyers - Loan to value
First time buyers - Loan to value > 90%
Variable Rate Mortgages
Standard Variable Rate
Yorkshire Bank Rapid/Flexible Repay
Yorkshire Bank Offset Mortgage
| Fixed Rate Mortgages | Current % p.a. |
The overall cost for Comparison and Current APR+ is |
Arrangement fee | Early Repayment Charge |
|---|---|---|---|---|
| Fixed Rate for Loan to Value <= 75% | ||||
| Fixed until 28th February 2011 Changing from 1st March 2011 for remainder of mortgage to our standard variable rate, currently |
4.99 5.14 |
5.4% APR+ |
£599 |
See Table Below |
| Fixed until 28th February 2014 Changing from 1st March 2014 for remainder of mortgage to our standard variable rate, currently |
5.29 5.14 |
5.5% APR+ |
£599 |
See Table Below |
| Fixed Rate for Loan to Value > 75% | ||||
| Fixed until 28th February 2011 Changing from 1st March 2011 for remainder of mortgage to our standard variable rate, currently |
6.49 5.14 |
6.2% APR+ |
£599 |
See Table Below |
| Fixed until 28th February 2014 Changing from 1st March 2014 for remainder of mortgage to our standard variable rate, currently |
6.79 5.14 |
6.2% APR+ |
£599 |
See Table Below |
| First Time Buyers | ||||
| Loan to Value < 90% | ||||
| Fixed until 28th February 2012 Changing from 1st March 2012 for remainder of mortgage to our standard variable rate, currently |
6.59 5.14 |
5.8% APR+ |
£599 |
See Table Below |
| Fixed until 28th February 2012 Changing from 1st March 2012 for remainder of mortgage to our standard variable rate, currently |
6.79 5.14 |
5.8% APR+ |
Nil |
See Table Below |
| Loan to Value > 90% | ||||
| Fixed until 28th February 2012 Changing from 1st March 2012 for remainder of mortgage to our standard variable rate, currently |
6.99 5.14 |
6.0% APR+ |
£599 |
See Table Below |
| Early Repayment Charges | |||||
|---|---|---|---|---|---|
| Product Type | Percentage charge applicable during year of the Fixed & Capped Rate |
||||
| 1st year | 2nd year | 3rd year | 4th year | 5th year | |
| Fixed until 28th February 2014 | 5% | 5% | 4% | 3% | 2% |
| Fixed until 28th February 2011 | 3% | 2% | - | - | - |
| First Time Buyers | |||||
| Loan to Value < = 90% | |||||
| Fixed until 28th February 2012 | 5% | 4% | 3% | - | - |
| Loan to Value > 90% | |||||
| Fixed until 28th February 2012 | 6% | 5% | 4% | - | - |
| Current Interest Rate % p.a. |
Variable Rate Mortgages | |||
|---|---|---|---|---|
| The overall cost for comparison is | ||||
| Flexible Payment Mortgage |
Standard Repayment Mortgage | Interest Only Mortgage |
||
| Variable Rate | ||||
| Standard Variable Rate | 5.14 | 5.4% APR+ | 5.4% APR+ | 5.4%APR+ |
| Yorkshire Bank Rapid/Flexible Repay | Previous % p.a. variable |
Previous APR |
Current % p.a. variable |
The overall cost for Comparison and Current APR is | Arrangement Fee | Early Repayment Charge |
|---|---|---|---|---|---|---|
| £25,000 and over | 6.24 | 6.6% | Products withdrawn | Products withdrawn | £999 | None |
| Yorkshire Bank Offset Mortgage | Previous % p.a. variable |
Previous APR+ |
Current % p.a. variable |
Current APR+ | Arrangement Fee | Early Repayment Charge |
|---|---|---|---|---|---|---|
| Tier 1 £25,000 - £74,999 | 6.24 | 6.6% | 5.14 | 5.4% | £999 | None |
| Tier 2 £75,000 and above | 6.24 | 6.6% | 5.14 | 5.4% | £999 |
None |
+The APR varies depending on the amount and length of the loan and the repayment dates (1)
Written quotations and details are available on request. All loans are subject to status and applicants must be 18 or over. Security is required. One or more of the following policies may be required: Endowment, Pension Plan, Mortgage Guarantee.
|
YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT. |
Yorkshire Bank is a trading name of Clydesdale Bank PLC which is authorised and regulated by the Financial Services Authority. Credit facilities other than regulated mortgages are not regulated by the Financial Services Authority.
Yorkshire Bank is a trading name of Clydesdale Bank PLC
Registered in Scotland No. SC001111
Registered Office:
30 St Vincent Place,
Glasgow G1 2HL