Variable Rates

Company	Rate	Period	Max LTV	Fee	Incentive	Redemption	Apply
Cheltenham & Gloucester	5.95%	for term	75%	£1,094	Flexible option. Remortgages free valuation, remortgages free legal fees or £400 rebate. No higher lending charge	To 31.10.11
HSBC	5.99%	for term	90%	£0	Free valuation, remortgages free legal fees (GB) or max £400 rebate (Scot & NI). No higher lending charge	None
First Direct	5.99%	for term	90%	£399	No higher lending charge	None
Melton Mowbray BS	6.09%	for term	75%	£999	Flexible & offset option, remortgages free legal fees. No higher lending charge	1st 2 yrs
Newcastle BS	6.30%	for term	75%	£598	Offset facility. Free valuation. HP £200 rebate. Remortgages free legal fees (Eng & Wales) or £200 rebate (Scot). Free ASU for 3 mths. No higher lending charge	None
Hinckley & Rugby BS	6.30%	for term	75%	£749	Flexible & offset option. Remtgs free valn & free legal fees. No higher lending charge	None

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Lenders standard redemption conditions may also apply at any time. Incentive of free or discounted legal fees may only be available through lenders nominated solicitor. Internal switching - Products may not be available.

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