Lending into Retirement Mortgages

Our retirement mortgages are for customers who will continue to pay their mortgage past their 75th birthday.

These products are only available for house purchases or for customers remortgaging from another lender.

Rates correct as at 21 March 2012

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

Retirement Fees Assisted 2 Year Fixed Rate up to and including 30 June 2014
Initial Rate	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 30/06/2014	5.69% For the remaining term of the mortgage	5.8% APR	70%
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 30 June 2014.		Booking Fee: £199 (Payable on application - non-refundable) Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08452 34 40 48		Apply at your local branch

Retirement Offset 2 Year 1.50% Discount
Initial Rate is the Society's Retirement Offset Variable Rate less a discount of 1.50%, currently	Then changing to the Society's Retirement Offset Variable Rate, which is currently	The overall cost for comparison is	Maximum Loan To Value
4.19% for 2 years	5.69% For the remaining term of the mortgage	5.8% APR	70%
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. Tapered Early Repayment Charges apply for the first 2 years.		Booking Fee: £199 (Payable on application - non-refundable) Completion Fee for loans up to £500,000: £300 Completion Fee for loans over £500,000: 1% of loan Redemption Fee: £199
Apply Online	Call our Mortgage Hotline 08452 34 40 48		Apply at your local branch

Retirement Offset Variable Rate
The Society's Retirement Offset Variable Rate applies, which is currently	The overall cost for comparison is	Maximum Loan To Value
5.69% For the term of the mortgage	6.1% APR	70%
HomeCover Discount (Buildings and Contents Insurance)	Additional Features:	Fees
No Discount is available on this product.	No Higher Lending Charge. Unlimited capital repayments allowed.	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 Hotline 08452 34 40 48	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 08452 34 40 48. 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.fsa.gov.uk or by contacting the FSA on 0845 606 1234.