3 Year Fixed Rate Mortgage

Product Features LTV Pay Rate APR Product Fees Early Repayment Charges
Fixed rate of interest until
30 November 2015		 Up to 75% 4.29% 5.0% £999 3% until
30 November 2015
75.1% to 85% 4.79% 5.1%
85.1% to 90% 5.49% 5.3%

With effect from 24 September 2012

Information

The minimum loan size is £100,000 and the maximum loan to any individual, together with connected persons is £1.5 million.

No early repayment charges following the end of the fixed period.

Following the fixed rate period the interest rate will revert to our Standard Variable Rate. Our mortgage products are portable and if you move house can be applied to your new property (subject to it meeting our criteria). For fixed rate mortgages and where the mortgage required for the new property is lower an early repayment charge, as detailed above, will be payable on the difference between the two loans.

Interest is calculated on a daily basis and monthly payments must be made in arrears by direct debit on the first working day of each month. As with all mortgages, if the mortgage is repaid after the end of the fixed rate period, interest to the date of redemption will be payable.

On fixed rate mortgages, lump sum payments of up to 10% may be made early without charge each year. For the purposes of this calculation, a year is defined as starting on the commencement of the loan and on the anniversary thereafter; the amount is up to 10% of the balance outstanding on that date. This facility cannot be rolled over into subsequent years if the facility is not used in any one year

Product fees are non-refundable and may be paid up front or added to the mortgage on completion where they will incur interest as part of the loan

Our mortgage products can be withdrawn at very short notice

Ring 730730 for your personal decision in principle

Application Forms

Mortgage Application Form - Guernsey

Further Advance Application Form - Guernsey

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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Mortgages

From 3.69% - 4.7% APR

Base Rate Tracker

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From 3.69% - 5.0% APR

2 Year Fixed Rate

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From 3.99% - 4.8% APR

5 Year Fixed Rate

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From 4.99% - 5.2% APR

Standard Variable Rate

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From 4.99% - 6.1% APR

Buy to Let Mortgages

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From 5.39% - 6.1% APR

100% LTV Next Generation Mortgage

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Existing Customer

Please dial 01481 712279 to check if any special loyalty rates are available.

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European Union Savings Tax Directive
Information for all EU Residents (including the UK)

This communication outlines the changes implemented, by the Government of Guernsey, on 1 January 2011, to the EU Savings Tax Directive ("The Directive").

Automatic Exchange of Information

If you are resident in the EU (including the UK) gross interest will be paid to you and be subject to an automatic exchange of information with The Guernsey Income Tax Authority.  This report will detail your full name, postal address, account number/s,  date of birth, place of birth, tax identification number (if known) and the amount of interest added to your account/s.  Thereafter this will be forwarded to the tax authorities in your country of residence.

If you are deemed to be "non-domiciled" for tax purposes in your country of residence, we may be able to pay you gross interest without the need to submit an exchange of information report.  To arrange this we require confirmation of your tax status, e.g.  a letter issued by the tax authorities in your country of residence or accountants.

Non EU residents will continue to receive gross interest and it remains the responsibility of individual investors to disclose the interest earned on their accounts to the relevant tax authorities.

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