 |
| 1.6% discount* |
3 months after start date |
4.35% (currently) |
| Then moves to offset variable mortgage rate |
For the remainder of the term |
5.95% (currently) |
| Tracks the Bank of England's base rate (variable) |
31st January 2007 |
4.75% (currently) |
| Then moves to standalone variable mortgage rate |
For the remainder of the term |
5.95% (currently) |
| Arrangement fee |
£349.00 |
| Early repayment charge |
2% of amount repaid on or before 31.01.06
1% of amount repaid on or before 31.01.07
If you repay your mortgage on or before 31st January 2007 you'll also have to pay a £330 contribution towards the legal and standard valuation fees paid by us at the start of the mortgage - remortgage cases only |
| 0.44% above the Bank of England's base rate (variable) |
31st January 2007 |
5.19% (currently) |
| Then moves to standalone variable mortgage rate |
For the remainder of the term |
5.95% (currently) |
| Arrangement fee |
£399.00 |
| Early repayment charge |
2% of amount repaid on or before 31.01.06
1% of amount repaid on or before 31.01.07
If you repay your mortgage on or before 31st January 2007 you'll also have to pay a £330 contribution towards the legal and standard valuation fees paid by us at the start of the mortgage - remortgage cases only |
| Fixed |
31st January 2007 |
4.95% (currently) |
| Then moves to 0.15% discount** |
31st January 2008 |
5.80% (currently) |
| Then moves to standalone variable mortgage rate |
For the remainder of the term |
5.95% (currently) |
| Arrangement fee |
£499.00 |
| Early repayment charge |
2% of amount repaid on or before 31.01.06
1% of amount repaid on or before 31.01.07
If you repay your mortgage on or before 31st January 2007 you'll also have to pay a £330 contribution towards the legal and standard valuation fees paid by us at the start of the mortgage - remortgage cases only |
| Full copy of title documents, plans, etc. |
£35.00 |
| Single copy document or provision lodged with us |
£10.00 |
| Title information |
£10.00 |
| Forwarding your title deeds to a conveyancer |
£35.00 |
| Mortgage discharge fee (only payable if mortgage repaid early) |
£140.00 |
| Release from the mortgage of part of the property |
£50.00 |
| Grant of easement or servitude (for example, a right of way) |
£50.00 |
| Completing questionnaires or references sent by lenders granting other mortgage loans |
£65.00 |
| Consenting to the transfer of mortgaged property |
£160.00 |
| Further advance fee |
£95.00 |
| Valuation fee (adding/removing a borrower from the mortgage) |
£70.00 |
|
| Up to £50,000 |
£200.00 |
| £100,000 |
£235.00 |
| £150,000 |
£265.00 |
| £200,000 |
£300.00 |
| £300,000 |
£370.00 |
| £400,000 |
£430.00 |
| £500,000 |
£490.00 |
| £600,000 |
£540.00 |
| £700,000 |
£590.00 |
| £800,000 |
£640.00 |
| £900,000 |
£690.00 |
| £1 million |
£740.00 |
| Property re-inspection fee |
£55.00 |
| Up to £10,000 |
£65.00 |
| £10,001 - £15,000 |
£70.00 |
| £15,001 - £20,000 |
£75.00 |
| Every additional £10,000 (or part) over £20,000 |
£5.00 |
Please note that it is no longer possible to apply for this product.
| Purchases |
N/A |
12.9% |
| Cash advance |
N/A |
14.6% |
| Balance transfer |
N/A |
12.9% |
|
|
|
| Purchases |
N/A |
1.02% |
| Cash advance |
N/A |
1.02% |
| Balance transfer |
N/A |
1.02% |
|
56 days for purchases if you pay your balance in full and on time. There is no interest free period on cash advances or balance transfers. |
|
When we receive a payment we will use it to pay any interest and charges you owe, what is left over will be used to repay purchases before balance transfers or cash advances.* |
|
3% of the outstanding balance or £5.00 whichever is higher. |
|
None |
| Cash advance |
1.5% of the advance amount |
| Duplicate Statement |
£5.00 |
| Overseas transaction |
2.75% of the transaction amount |
| Exceeding Credit Limit |
£20.00 |
| Failed Payment |
£30.00 |
| Late payment |
£20.00 |
| Exceeding Credit Limit |
£20.00 |
| Failed Payment |
£30.00 |
| Late payment |
£20.00 |
* Includes Cash Advance charge
** For full information on allocation of payments see section D 5.4. of the terms and conditions
If you use your credit card abroad and make transactions other than in sterling, the amount of each transaction will be changed to sterling. We will use the market rate obtained by Visa International. We will charge a conversion fee of 2.75% of the amount of each foreign currency transaction. The sterling amount shown on your statement will include this charge.
| Credit Balance |
|
2.75% |
2.72% |
| Authorised overdraft |
9.80% |
|
|
| Unauthorised overdraft |
25.00% |
|
|
* EAR is the Equivalent Annual Rate. If we agree to let you have an overdraft, we will decide your overdraft limit and tell you what it is. Overdrafts are repayable on demand.
** AER stands for Annual Equivalent Rate and illustrates
what the interest would be if interest was paid and compounded each year.
The gross rate is the contractual rate specified by law (currently 20%).
The net rate is the rate of interest payable after allowing for the deduction of
income tax at the specified rate.
Unauthorised overdrafts and payments you do not pay when you are meant to are not taken into account for the balance netting calculation.
| Cash withdrawal from LINK ATM |
Nil |
| Copy of paid cheque |
£5.00 |
| Stopped cheque |
£7.50 |
| Bill payment, cheque, direct debit or standing order not able to be paid due to insufficient funds |
£30.00 |
| Unauthorised overdraft |
£28.00 each month |
| Overseas transaction |
2.25% plus £1.50 |
If you use your debit card abroad and make transactions other than sterling, the amount of each transaction will be changed to sterling on the date we take it out of your current account jar. This may not be the same date that the transaction is carried out. We will choose the exchange rate which will always be a reasonable one. We will charge a conversion fee of 2.25% of the amount of each foreign currency transaction. We will also deduct a service charge of £1.50.
|
| |
|
|
|
|
| From £1 deposit |
4.75% |
3.80% |
4.65% |
3.72% |
|
| |
|
|
| From £1 deposit |
5.10% |
4.98% |
+ The direct access savings interest rates will be applied to your current account if you also have £1 in your direct access savings, mini cash ISA or TESSA-only ISA.
We pay interest net of income tax (at the lower rate, currently 20%) unless you have completed a registration form or made a declaration to comply with Inland Revenue regulations. If you are a higher rate taxpayer additional income tax is due on the interest we pay.
*** Mini cash ISA maximum deposit of £3,000 in the current tax year.
You should consider your income tax position when deciding which products to have in your Intelligent Finance plan, whether you wish to be paid interest on your savings each month or once a year and which option you want us to use for the balanced netting calculation.
If the Bank of England base rate moves up, the rate on the mini cash ISA and TESSA - only ISA will change within one calendar month to at least 0.3% above the Bank of England base rate.
Please note that it is no longer possible to apply for a TESSA - only ISA.
| CHAPS (same day electronic funds transfer between banks) |
£18.00 |
| Copy statements |
£5.00 |
| Failed Payments (direct debits, standing orders) |
£20.00 |
| Each letter or telephone call to you concerning
a missed payment |
£10.00 |
| Where it becomes necessary to instruct
solicitors to collect missed payments |
£115.00 |
In addition, you will be required to pay any costs we pay to third parties that we may instruct to recover any money you owe us to create or protect our security, or in using our legal rights. Examples of costs we pay include external counselling agency fees and solicitors' charges. We will advise you before we instruct a third party.
The personal loan rate we offer you will depend on the amount you borrow and your individual circumstances. We offer a range of rates from 6.1% APR to 16.9% APR,
|
| £1,000 - £4,999 |
12.9% |
| £5,000 - £9,999 |
7.9% |
| £10,000 - £25,000 |
6.1% |
| Fee required if loan is paid early. |
Loans are provided by Halifax plc, Trinity Road, Halifax, HX1 2RG. Written quotations are available on request.
The personal loan rate we offer you will depend on the amount you borrow and your individual circumstances. We offer a range of rates from 6.9% APR to 17.8% APR,
|
| £1,000 - £4,999 |
13.8% |
| £5,000 - £9,999 |
8.7% |
| £10,000 - £14,999 |
6.9% |
| £15,000 - £19,999 |
7.4% |
| £20,000 - £25,000 |
7.9% |
| Freedom to settle at any time without charge. |
Loans are provided by Halifax plc, Trinity Road, Halifax, HX1 2RG. Written quotations are available on request.
|
|
