Leeds Building Society Gibraltar
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  Gibraltar Mortgage Rates
Home >Mortgages > Latest Mortgage Rates

Mortgage Rates
and Details at a Glance

Gibraltar Mortgage Range
Rates effective from 9 October 2008

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2 Year Fixed Rate up to and including 30 September 2010
Gross Rate (%)
The overall cost for comparison is APR (%)
MAX
Loan To Value (%)
Special Incentives:
6.95
7.55
8.0
8.2
80
90
No Higher Lending Charge.
10% capital repayments are allowed each year without penalty.
Early Repayment Charge
Early Repayment Charge Applies Until
Tied Product Required Until
Completion Fee
Tapered charges of 3/2% of the amount redeemed.
30/09/2010
None
Up to £500,000:
£999
Over £500,000:
By negotiation


Fees Assisted 2 Year Fixed Rate up to and including 30 September 2010
Gross Rate (%)
The overall cost for comparison is APR (%)
MAX
Loan To Value (%)
Special Incentives:
7.80
8.40
8.1
8.3
80
90
No Higher Lending Charge.
10% capital repayments are allowed each year without penalty.
1% Cashback (Max £1k)
Early Repayment Charge
Early Repayment Charge Applies Until
Tied Product Required Until
Completion Fee
Tapered charges of 3/2% of the amount redeemed.
30/09/2010
None
None


3 Year Fixed Rate up to and including 30 September 2011
Gross Rate (%)
The overall cost for comparison is APR (%)
MAX
Loan To Value (%)
Special Incentives:
7.00
7.60
8.0
8.2
80
90
No Higher Lending Charge.
10% capital repayments are allowed each year without penalty.
Early Repayment Charge
Early Repayment Charge Applies Until
Tied Product Required Until
Completion Fee
Tapered charges of 4/3/2% of the amount redeemed.
30/09/2011
None
Up to £500,000:
£999
Over £500,000:
By negotiation


Fees Assisted 3 Year Fixed Rate up to and including 30 September 2011
Gross Rate (%)
The overall cost for comparison is APR (%)
MAX
Loan To Value (%)
Special Incentives:
7.70
8.30
8.1
8.3
80
90
No Higher Lending Charge.
10% capital repayments are allowed each year without penalty.
1% Cashback (Max £1k)
Early Repayment Charge
Early Repayment Charge Applies Until
Tied Product Required Until
Completion Fee
Tapered charges of 4/3/2% of the amount redeemed.
30/09/2011
None
None


Gibraltar Variable Rate
Gross Rate (%)
The overall cost for comparison is APR (%)
MAX
Loan To Value (%)
Special Incentives:
7.59
8.0
85
No Higher Lending Charge up to 85% Loan to Value.
Unlimited Capital Repayments are allowed.
Early Repayment Charge
Early Repayment Charge Applies Until
Tied Product Required Until
Completion Fee
None
None
None
None


Read our Important Notes for Gibraltar

What happens at the end of the Special Product Period?

At the end of the Special Fixed/Tracker/Capped/Discounted period of each product detailed above, your mortgage will revert to our Gibraltar Variable Rate applicable at the time (currently 7.59%).

Re-mortgaging?

Whether you’re looking to release equity from your property – or simply want to move to a better deal – Leeds Building Society can offer a highly efficient service and our ‘Fee Free’ products ensure that any costs are kept to an absolute minimum.

Co-ownership/Shared Ownership

These are schemes where properties are co-owned by the Gibraltar Government. Mortgages are available to assist in the purchase of shares in a co-owned property and can also be used to buy additional or remaining Government shares of the property, giving you outright ownership.

Buying the first share

Mortgages for purchase only are available up to 100% of the borrower’s share of the co-ownership property price, provided this does not exceed 75% of the property’s valuation.

Buying the remaining Government share and Capital Raising

You can transfer your existing co-ownership mortgage from another lender to Leeds Building Society and increase the amount in order to buy the remaining Government share, up to 95% of the property valuation.

At the same time, you can unlock the value in your property, after buying the remaining Government share, to raise capital for almost any purpose you choose, up to a maximum of 90% of the property valuation.

Full written details and quotations are available on request. The mortgage must be secured by a first charge on the property. Buildings insurance may be required. All loans are subject to a satisfactory appraisal of status, financial standing and valuation. Loans are only available to persons aged 18 years or over. In certain instances, a one off Higher Lending Charge may be payable. Insurance may be required. Any endowment premium will be paid directly to the life assurance company. Applications are subject to normal lending criteria. For loans in excess of 90% of the purchase price or valuation of the property (whichever is lower) a Higher Lending Charge becomes payable.

The Society is authorised under the Financial Services (Banking) Act (1992) Gibraltar.

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