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Remortgage - Offset mortgages

Offset your mortgage with an Intelligent Finance Savings/Current Account and/or ISA and you have the option to reduce the amount of interest you pay on your mortgage, or maximise the interest you earn on your savings.

Offset Tracker Mortgages

With our tracker rate mortgages, your interest rate tracks the Bank of England's base rate for a set period.

Product name	Max loan to value	Initial rate	Then changing for the remainder of the term to	The overall cost for comparison is
Remortgage Offset tracker 60 until 28 February 2012 (B.o.E + 2.59%)	60% LTV	4.59% currently Tracks 2.59% above the BoE's base rate until 28.02.12	4.00% currently (our offset variable mortgage rate)	4.4 % APR
Arrangement fee: £999  |   Early repayment charges - 3.00% until 28.02.10, 2.00% until 28.02.11, 2.00% until 28.02.12 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 28.02.12  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 60 until 28 February 2012 (B.o.E + 2.69%)	60% LTV	4.69% currently Tracks 2.69% above the BoE's base rate until 28.02.12	4.00% currently (our offset variable mortgage rate)	4.5 % APR
Arrangement fee: £999  |   Early repayment charges - 3.00% until 28.02.10, 2.00% until 28.02.11, 2.00% until 28.02.12 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 28.02.11  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 60 until 28 February 2014 (B.o.E + 2.69%)	60% LTV	4.69% currently Tracks 2.69% above the BoE's base rate until 28.02.14	4.00% currently (our offset variable mortgage rate)	4.7 % APR
Arrangement fee: £999  |   Early repayment charges - 5.00% until 28.02.10, 4.00% until 28.02.11, 3.00% until 28.02.12, 3.00% until 28.02.13, 3.00% until 28.02.14 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 28.02.11  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Product name	Max loan to value	Initial rate	Then changing for the remainder of the term to	The overall cost for comparison is
Remortgage Offset tracker 75 until 28 February 2012 (B.o.E + 2.99%)	75% LTV	4.99% currently Tracks 2.99% above the BoE's base rate until 28.02.12	4.00% currently (our offset variable mortgage rate)	4.5 % APR
Arrangement fee: £999  |   Early repayment charges - 3.00% until 28.02.10, 2.00% until 28.02.11, 2.00% until 28.02.12 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 28.02.11  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 75 until 28 February 2014 (B.o.E + 2.99%)	75% LTV	4.99% currently Tracks 2.99% above the BoE's base rate until 28.02.14	4.00% currently (our offset variable mortgage rate)	4.6 % APR
Arrangement fee: £999  |   Early repayment charges - 5.00% until 28.02.10, 4.00% until 28.02.11, 3.00% until 28.02.12, 3.00% until 28.02.13, 3.00% until 28.02.14 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 28.02.11  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Offset Fixed Rate Mortgages

With our fixed rate mortgage, you have the assurance of knowing your interest rate will stay the same for a set period.

Offset fixed mortgages are only available on loans between £100,000 and £500,000

Product name	Max loan to value	Initial rate	Then changing for the remainder of the term to	The overall cost for comparison is
Remortgage Offset fixed 60 until 28 February 2012	60% LTV	5.49% fixed until 28.02.12	4.00% currently (our offset variable mortgage rate)	4.4 % APR
Arrangement fee: £2499  |   Early repayment charges - 3.00% until 28.02.10, 2.00% until 28.02.11, 2.00% until 28.02.12 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 28.02.11  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset fixed 60 until 28 February 2012	60% LTV	4.89% fixed until 28.02.12	4.00% currently (our offset variable mortgage rate)	4.6 % APR
Arrangement fee: £999  |   Early repayment charges - 3.00% until 28.02.10, 2.00% until 28.02.11, 2.00% until 28.02.12 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 28.02.11  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset fixed 60 until 28 February 2014	60% LTV	5.09% fixed until 28.02.14	4.00% currently (our offset variable mortgage rate)	4.8 % APR
Arrangement fee: £999  |   Early repayment charges - 5.00% until 28.02.10, 4.00% until 28.02.11, 3.00% until 28.02.12, 3.00% until 28.02.13, 3.00% until 28.02.14 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 28.02.11  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Product name	Max loan to value	Initial rate	Then changing for the remainder of the term to	The overall cost for comparison is
Remortgage Offset fixed 75 until 28 February 2012	75% LTV	5.69% fixed until 28.02.12	4.00% currently (our offset variable mortgage rate)	4.4 % APR
Arrangement fee: £2499  |   Early repayment charges - 3.00% until 28.02.10, 2.00% until 28.02.11, 2.00% until 28.02.12 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 28.02.11  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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