New Borrower product Guide(PDF 134Kb) - Post Office

Fixed rates for new customers60% MortgagesFixed ratesl All information correct as at 11/07/2013 l Bank of England Base Rate is currently 0.50%l Lending Fee £195 (due on completion but payment can be deferred until mortgage is fully repaid)Rate and TermThe OverallCost forComparison isMaximumLoan toValueArrangementFeeFeaturesEarly RepaymentChargeCode1.70%fixeduntil 31/08/2015 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage term4.2% APR 60% £1,995No Higher Lending ChargeMaximum Loan £500,0003% of the sum repaiduntil 31/08/2015RFD1.99%fixeduntil 31/08/2015 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage term4.2% APR 60% £995 No Higher Lending Charge3% of the sum repaiduntil 31/08/2015RFE3 Year 2 Year2.55%fixed2.55%fixed2.69%fixed2.35%fixeduntil 31/08/2015 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage termuntil 31/08/2015 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage termuntil 31/08/2015 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage termuntil 31/08/2016 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage term4.2% APR 60% £0 No Higher Lending Charge4.3% APR 60% £4954.2% APR 60% £0No Higher Lending Charge.Standard legal fees paidby Lender (for remortgagers only).Standard Valuation Fee paid by LenderNo Higher Lending Charge.Standard legal fees paidby Lender (for remortgagers only).Standard Valuation Fee paid by Lender4.1% APR 60% £995 No Higher Lending Charge3% of the sum repaiduntil 31/08/20153% of the sum repaiduntil 31/08/20153% of the sum repaiduntil 31/08/20153% of the sum repaiduntil 31/08/2016RFFRFGRFHRFJ2.55%fixeduntil 31/08/2018 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage term3.9% APR 60% £1,495 No Higher Lending Charge5% of the sum repaiduntil 31/08/2018RFK5 Year2.98%fixeduntil 31/08/2018 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage term4.0% APR 60% £0 No Higher Lending Charge5% of the sum repaiduntil 31/08/2018RFL3.09%fixeduntil 31/08/2018 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage term4.0% APR 60% £0No Higher Lending Charge.Standard legal fees paidby Lender (for remortgagers only).Standard Valuation Fee paid by Lender5% of the sum repaiduntil 31/08/2018RFMPost Office ® mortgages are provided by Bank of Ireland UK.Please read in conjunction with our lending criteria.YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.See the website postoffice.co.uk/mortgages for more details on fixed rate product features and suitability.Call us on freephone 0800 707 6206* or visit www.postoffice.co.ukAll calls are recorded for training and monitoring purposes. Subject to status and lending criteria. Written illustrations available on request. Borrowers must be 18 or over unless otherwise stated.Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and thePrudential Regulation Authority. Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc which is registered in England & Wales (No. 7022885), Bow Bells House, 1 Bread Street, London EC4M 9BE. Post Officeis a registered trade mark and the Post Office logo is a trade mark of Post Office Ltd. Post Office Ltd is registered in England and Wales. Registered No. 2154540. Registered office: 148 Old Street, London EC1V 9HQ.A0130 11/06/2013 7281130530A

Fixed rates for new customers75% MortgagesFixed ratesl All information correct as at 11/07/2013 l Bank of England Base Rate is currently 0.50%l Lending Fee £195 (due on completion but payment can be deferred until mortgage is fully repaid)Rate and TermThe OverallCost forComparison isMaximumLoan toValueArrangementFeeFeaturesEarly RepaymentChargeCode2.19%fixeduntil 31/08/2015 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage term4.2% APR 75% £995 No Higher Lending Charge3% of the sum repaiduntil 31/08/2015RJE3 Year 2 Year2.85%fixed2.79%fixed2.99%fixed2.38%fixed2.99%fixeduntil 31/08/2015 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage termuntil 31/08/2015 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage termuntil 31/08/2015 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage termuntil 31/08/2016 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage termuntil 31/08/2016 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage term4.3% APR 75% £0 No Higher Lending Charge4.3% APR 75% £4954.3% APR 75% £0No Higher Lending Charge.Standard legal fees paidby Lender (for remortgagers only).Standard Valuation Fee paid by Lender4.1% APR 75% £995 No Higher Lending Charge4.2% APR 75% £0No Higher Lending Charge.Standard legal fees paidby Lender (for remortgagers only).Standard Valuation Fee paid by LenderNo Higher Lending Charge.Standard legal fees paidby Lender (for remortgagers only).Standard Valuation Fee paid by Lender3% of the sum repaiduntil 31/08/20153% of the sum repaiduntil 31/08/20153% of the sum repaiduntil 31/08/20153% of the sum repaiduntil 31/08/20163% of the sum repaiduntil 31/08/2016RFPRFQRFRRJFRFT2.85%fixeduntil 31/08/2018 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage term4.0% APR 75% £995 No Higher Lending Charge5% of the sum repaiduntil 31/08/2018RFU5 Year3.15%fixeduntil 31/08/2018 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage term4.0% APR 75% £0 No Higher Lending Charge5% of the sum repaiduntil 31/08/2018RFV3.29%fixeduntil 31/08/2018 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage term4.1% APR 75% £0No Higher Lending Charge.Standard legal fees paidby Lender (for remortgagers only).Standard Valuation Fee paid by Lender5% of the sum repaiduntil 31/08/2018RFWPost Office ® mortgages are provided by Bank of Ireland UK.Please read in conjunction with our lending criteria.YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.See the website postoffice.co.uk/mortgages for more details on fixed rate product features and suitability.Call us on freephone 0800 707 6206* or visit www.postoffice.co.ukAll calls are recorded for training and monitoring purposes. Subject to status and lending criteria. Written illustrations available on request. Borrowers must be 18 or over unless otherwise stated.Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and thePrudential Regulation Authority. Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc which is registered in England & Wales (No. 7022885), Bow Bells House, 1 Bread Street, London EC4M 9BE. Post Officeis a registered trade mark and the Post Office logo is a trade mark of Post Office Ltd. Post Office Ltd is registered in England and Wales. Registered No. 2154540. Registered office: 148 Old Street, London EC1V 9HQ.A0130 11/06/2013 7281130530A

Fixed rates for new customers80% MortgagesFixed ratesl All information correct as at 11/07/2013 l Bank of England Base Rate is currently 0.50%l Lending Fee £195 (due on completion but payment can be deferred until mortgage is fully repaid)Rate and TermThe OverallCost forComparison isMaximumLoan toValueArrangementFeeFeaturesEarly RepaymentChargeCode2.74%fixeduntil 31/08/2015 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage term4.3% APR 80% £995 Higher Lending Charge paid by Lender3% of the sum repaiduntil 31/08/2015RJG3 Year 2 Year3.19%fixed3.69%fixed3.25%fixed3.75%fixeduntil 31/08/2015 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage termuntil 31/08/2015 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage termuntil 31/08/2016 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage termuntil 31/08/2016 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage term4.4% APR 80% £0 Higher Lending Charge paid by Lender4.4% APR 80% £0Higher Lending Charge paid by Lender.Standard legal fees paidby Lender (for remortgagers only).Standard Valuation Fee paid by Lender4.3% APR 80% £995 Higher Lending Charge paid by Lender4.4% APR 80% £0Higher Lending Charge paid by Lender.Standard legal fees paidby Lender (for remortgagers only).Standard Valuation Fee paid by Lender3% of the sum repaiduntil 31/08/20153% of the sum repaiduntil 31/08/20153% of the sum repaiduntil 31/08/20163% of the sum repaiduntil 31/08/2016RFYRFZRGARGB5 Year3.45%fixed3.99%fixeduntil 31/08/2018 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage termuntil 31/08/2018 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage term4.2% APR 80% £995 Higher Lending Charge paid by Lender4.4% APR 80% £0Higher Lending Charge paid by Lender.Standard legal fees paidby Lender (for remortgagers only).Standard Valuation Fee paid by Lender5% of the sum repaiduntil 31/08/20185% of the sum repaiduntil 31/08/2018RGCRGDPost Office ® mortgages are provided by Bank of Ireland UK.Please read in conjunction with our lending criteria.YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.See the website postoffice.co.uk/mortgages for more details on fixed rate product features and suitability.Call us on freephone 0800 707 6206* or visit www.postoffice.co.ukAll calls are recorded for training and monitoring purposes. Subject to status and lending criteria. Written illustrations available on request. Borrowers must be 18 or over unless otherwise stated.Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and thePrudential Regulation Authority. Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc which is registered in England & Wales (No. 7022885), Bow Bells House, 1 Bread Street, London EC4M 9BE. Post Officeis a registered trade mark and the Post Office logo is a trade mark of Post Office Ltd. Post Office Ltd is registered in England and Wales. Registered No. 2154540. Registered office: 148 Old Street, London EC1V 9HQ.A0130 11/06/2013 7281130530A

Fixed rates for new customers85% MortgagesFixed ratesl All information correct as at 11/07/2013 l Bank of England Base Rate is currently 0.50%l Lending Fee £195 (due on completion but payment can be deferred until mortgage is fully repaid)Rate and TermThe OverallCost forComparison isMaximumLoan toValueArrangementFeeFeaturesEarly RepaymentChargeCode3.29%fixeduntil 31/08/2015 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage term4.4% APR 85% £995 Higher Lending Charge paid by Lender3% of the sum repaiduntil 31/08/2015RGE3 Year 2 Year3.49%fixed4.09%fixed3.79%fixed4.19%fixeduntil 31/08/2015 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage termuntil 31/08/2015 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage termuntil 31/08/2016 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage termuntil 31/08/2016 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage term4.4% APR 85% £0 Higher Lending Charge paid by Lender4.5% APR 85% £0Higher Lending Charge paid by Lender.Standard legal fees paidby Lender (for remortgagers only).Standard Valuation Fee paid by Lender4.5% APR 85% £995 Higher Lending Charge paid by Lender4.5% APR 85% £0Higher Lending Charge paid by Lender.Standard legal fees paidby Lender (for remortgagers only).Standard Valuation Fee paid by Lender3% of the sum repaiduntil 31/08/20153% of the sum repaiduntil 31/08/20153% of the sum repaiduntil 31/08/20163% of the sum repaiduntil 31/08/2016RGFRGGRGHRGJ3.69%fixeduntil 31/08/2018 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage term4.3% APR 85% £995 Higher Lending Charge paid by Lender5% of the sum repaiduntil 31/08/2018RGK5 Year3.99%fixeduntil 31/08/2018 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage term4.4% APR 85% £0 Higher Lending Charge paid by Lender5% of the sum repaiduntil 31/08/2018RGL4.39%fixeduntil 31/08/2018 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage term4.6% APR 85% £0Higher Lending Charge paid by Lender.Standard legal fees paidby Lender (for remortgagers only).Standard Valuation Fee paid by Lender5% of the sum repaiduntil 31/08/2018RGMPost Office ® mortgages are provided by Bank of Ireland UK.Please read in conjunction with our lending criteria.YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.See the website postoffice.co.uk/mortgages for more details on fixed rate product features and suitability.Call us on freephone 0800 707 6206* or visit www.postoffice.co.ukAll calls are recorded for training and monitoring purposes. Subject to status and lending criteria. Written illustrations available on request. Borrowers must be 18 or over unless otherwise stated.Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and thePrudential Regulation Authority. Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc which is registered in England & Wales (No. 7022885), Bow Bells House, 1 Bread Street, London EC4M 9BE. Post Officeis a registered trade mark and the Post Office logo is a trade mark of Post Office Ltd. Post Office Ltd is registered in England and Wales. Registered No. 2154540. Registered office: 148 Old Street, London EC1V 9HQ.A0130 11/06/2013 7281130530A

Fixed rates for new customers90% MortgagesFixed ratesl All information correct as at 11/07/2013 l Bank of England Base Rate is currently 0.50%l Lending Fee £195 (due on completion but payment can be deferred until mortgage is fully repaid)Rate and TermThe OverallCost forComparison isMaximumLoan toValueArrangementFeeFeaturesEarly RepaymentChargeCode2 Year3.99%fixeduntil 31/08/2015 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage term4.6% APR 90% £1,495 Higher Lending Charge paid by Lender3% of the sum repaiduntil 31/08/2015RGN5 Year4.75%fixeduntil 31/08/2018 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage term4.7% APR 90% £0 Higher Lending Charge paid by Lender5% of the sum repaiduntil 31/08/2018RGPPost Office ® mortgages are provided by Bank of Ireland UK.Please read in conjunction with our lending criteria.YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.See the website postoffice.co.uk/mortgages for more details on fixed rate product features and suitability.Call us on freephone 0800 707 6206* or visit www.postoffice.co.ukAll calls are recorded for training and monitoring purposes. Subject to status and lending criteria. Written illustrations available on request. Borrowers must be 18 or over unless otherwise stated.Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and thePrudential Regulation Authority. Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc which is registered in England & Wales (No. 7022885), Bow Bells House, 1 Bread Street, London EC4M 9BE. Post Officeis a registered trade mark and the Post Office logo is a trade mark of Post Office Ltd. Post Office Ltd is registered in England and Wales. Registered No. 2154540. Registered office: 148 Old Street, London EC1V 9HQ.A0130 11/06/2013 7281130530A

Tracker rates for new customers60% - 90% Mortgages2 year trackerl All information correct as at 11/07/2013 l Bank of England Base Rate is currently 0.50%l Lending Fee £195 (due on completion but payment can be deferred until mortgage is fully repaid)Rate and TermThe OverallCost forComparison isMaximumLoan toValueArrangementFeeFeaturesEarly RepaymentChargeCodewhich is Bank of England Base Rate plus 1.44%1.94%variableuntil 31/08/2015 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%4.2% APR 60% £995 No Higher Lending Charge3% of the sum repaiduntil 31/08/2015RJHfor the rest of the mortgage termwhich is Bank of England Base Rate plus 1.69%2.19%variableuntil 31/08/2015 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%4.2% APR 75% £995 No Higher Lending Charge3% of the sum repaiduntil 31/08/2015RJJfor the rest of the mortgage termwhich is Bank of England Base Rate plus 2.99%2 Year3.49%variableuntil 31/08/2015 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%for the rest of the mortgage term4.5% APR 80% £995 Higher Lending Charge paid by Lender3% of the sum repaiduntil 31/08/2015RGRwhich is Bank of England Base Rate plus 3.29%3.79%variableuntil 31/08/2015 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%4.5% APR 85% £995 Higher Lending Charge paid by Lender3% of the sum repaiduntil 31/08/2015RGSfor the rest of the mortgage termwhich is Bank of England Base Rate plus 4.75%5.25%variableuntil 31/08/2015 then 4.49% variablewhich is Bank of England Base Rate plus 3.99%4.8% APR 90% £995 Higher Lending Charge paid by Lender3% of the sum repaiduntil 31/08/2015RGTfor the rest of the mortgage termPost Office ® mortgages are provided by Bank of Ireland UK.Please read in conjunction with our lending criteria.YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.See the website postoffice.co.uk/mortgages for more details on tracker rate product features and suitability.Call us on freephone 0800 707 6206* or visit www.postoffice.co.ukAll calls are recorded for training and monitoring purposes. Subject to status and lending criteria. Written illustrations available on request. Borrowers must be 18 or over unless otherwise stated.Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and thePrudential Regulation Authority. Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc which is registered in England & Wales (No. 7022885), Bow Bells House, 1 Bread Street, London EC4M 9BE. Post Officeis a registered trade mark and the Post Office logo is a trade mark of Post Office Ltd. Post Office Ltd is registered in England and Wales. Registered No. 2154540. Registered office: 148 Old Street, London EC1V 9HQ.A0130 11/06/2013 7281130530A

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