1 Year Fixed Rate Mortgages

For people who are unsure of how interest rates are going to perform over the next year, why not take out our 1 year fixed rate mortgage? This means that even if the Bank of England sets the interest rate higher to what you are currently paying, you will only pay the rate at which the mortgage was set. See the details below on what our one year fixed rate mortgage package has to offer you.

Products are only available to new borrowers and existing borrowers moving home. Loan To Value... APR... Are all these terms confusing you? Use our Jargon Buster

Customer Mortgage Range
Rates correct as at 30 July 2010

1 Year Fixed Rate up to and including 31 October 2011
Initial Rate	Then changing to the Society's Standard Variable Rate less a discount of 2.19% which is currently	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
3.99% Fixed up to and including 31/10/2011	3.50% Up to and including 31 October 2013	5.69% For the remaining term of the mortgage	5.3% APR	60%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages. Tapered Early Repayment Charges apply up to and including 31 October 2013		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £400 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

1 Year Fixed Rate up to and including 31 October 2011
Initial Rate	Then changing to the Society's Standard Variable Rate less a discount of 1.69% which is currently	Then changing to the Society's Standard Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
4.49% Fixed up to and including 31/10/2011	4.00% Up to and including 31 October 2013	5.69% For the remaining term of the mortgage	5.5% APR	80%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:		Fees
No Discount is available on this product.	No Higher Lending Charge. 10% capital repayments are allowed each year without incurring an Early Repayment Charge. FREE standard valuation up to £335. FREE in-house legal services for standard re-mortgages. Tapered Early Repayment Charges apply up to and including 31 October 2013		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £800 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Advice Hotline 08450 50 50 62		Apply at your local branch

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

What about Discounted Products?

Some Leeds Building Society mortgages are discounted if HomeCover (Buildings and Contents Insurance) is also taken out with the Society. This is detailed in the "HomeCover Discount" column. If available you will receive a 0.24% discount on the interest rate detailed in the "Initial Rate" column.

Re-Mortgaging?

Leeds Building Society can offer a quick and efficient in-house re-mortgage legal service. The cost of this excellent service is £250 in England, Wales, Scotland & Northern Ireland (this service is FREE for standard re-mortgages on certain products). Using our re-mortgage service ensures that your re-mortgage goes through quickly so you can benefit from our product rates sooner. The service includes all re-mortgage fees but additional fees may be payable for extra work, for example, if a new owner is to be added to the deeds. Free in-house legal services are not available on certain products including shared ownership if you are increasing your share of the property, buy to let in Northern Ireland or Self-build.

Existing Leeds Building Society mortgage customer moving home?

As an existing customer our Loyalty Reward Mortgage Scheme will give you the following great benefits:

Fast application service
Full advice available on your mortgage
Completion Fees added to your loan

Find out more about the Loyalty Reward Mortgage Scheme »

Any Questions?

Please contact your local branch or call us direct on 08450 50 50 62. Lines are open 8am to 8pm seven days a week.

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The products and services on this site are available to UK residents only. Applicants must be aged 18 or over and a full appraisal of your financial commitments will be made. Mortgages are subject to eligibility, status and financial standing. Mortgages that are for Buy to Let properties are regulated by the Consumer Credit Act 1974 and not by the Financial Services Authority.

The Society is covered by the Financial Ombudsman Service. We may monitor and/or record your telephone conversation with the Society to ensure consistent service levels (including staff training). The Society's main business is the provision of savings products, mortgages and general insurance.

Leeds Building Society is authorised and regulated by the Financial Services Authority and our registration number is 164992. You can check this on the FSA register by visiting the FSA website at www.moneymadeclear.fsa.gov.uk or by contacting the FSA on 0845 606 1234.