Key mortgage rates

To help you make an informed decision about the mortgage you're potentially considering you need to pay close attention to the rate(s) below. These will give you an indication of how much the mortgage will actually cost you.


Self Cert Fixed mortgage rates



6.75% 3 year fixed (Self Cert – ALB)

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Rate and term The overall cost for comparison is (APR) Max loan to value Features Early Repayment Charges
Rates correct as at 08/05/2008. Available to all new customers. Lending fee: £195 (due on completion but payment can be deferred until the mortgage is fully repaid). Full repayment mortgage release fee (currently £0).
6.75% which is a 3 year fixed until 31/07/2011, then changing to 7.09% variable which is our Standard Variable Rate for the rest of the mortgage period. 7.5% 75% • 1% arrangement fee
• No extended tie in
• No Higher Lending Charge 		• 5% of the sum repaid until 31/07/2011
• Part repayment admin fee: £50

6.95% 3 year fixed (Self Cert – ALC)

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Rate and term The overall cost for comparison is (APR) Max loan to value Features Early Repayment Charges
Rates correct as at 08/05/2008. Available to all new customers. Lending fee: £195 (due on completion but payment can be deferred until the mortgage is fully repaid). Full repayment mortgage release fee (currently £0).
6.95% which is a 3 year fixed until 31/07/2011, then changing to 7.09% variable which is our Standard Variable Rate for the rest of the mortgage period. 7.6% 75% • 1% arrangement fee
• No extended tie in
• No Higher Lending Charge
• No legal fees (for remortgagers only)
• Standard Valuation Fee paid by Bristol & West Mortgages
 • 5% of the sum repaid until 31/07/2011
• Part repayment admin fee: £50

6.99% 5 year fixed (Self Cert – ALF)

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Rate and term The overall cost for comparison is (APR) Max loan to value Features Early Repayment Charges
Rates correct as at 08/05/2008. Available to all new customers. Lending fee: £195 (due on completion but payment can be deferred until the mortgage is fully repaid). Full repayment mortgage release fee (currently £0).
6.99% which is a 5 year fixed until 31/07/2013, then changing to 7.09% variable which is our Standard Variable Rate for the rest of the mortgage period. 7.6% 75% • 1% arrangement fee
• No extended tie in
• No Higher Lending Charge 		• 5% of the sum repaid until 31/07/2013
• Part repayment admin fee: £50

7.15% 3 year fixed (Self Cert – ALD)

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Rate and term The overall cost for comparison is (APR) Max loan to value Features Early Repayment Charges
Rates correct as at 08/05/2008. Available to all new customers. Lending fee: £195 (due on completion but payment can be deferred until the mortgage is fully repaid). Full repayment mortgage release fee (currently £0).
7.15% which is a 3 year fixed until 31/07/2011, then changing to 7.09% variable which is our Standard Variable Rate for the rest of the mortgage period. 7.7% 85% • 1% arrangement fee
• No extended tie in
• No Higher Lending Charge 		• 5% of the sum repaid until 31/07/2011
• Part repayment admin fee: £50

7.19% 5 year fixed (Self Cert – ALG)

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Rate and term The overall cost for comparison is (APR) Max loan to value Features Early Repayment Charges
Rates correct as at 08/05/2008. Available to all new customers. Lending fee: £195 (due on completion but payment can be deferred until the mortgage is fully repaid). Full repayment mortgage release fee (currently £0).
7.19% which is a 5 year fixed until 31/07/2013, then changing to 7.09% variable which is our Standard Variable Rate for the rest of the mortgage period. 7.7% 75% • 1% arrangement fee
• No extended tie in
• No Higher Lending Charge
• No legal fees (for remortgagers only)
• Standard Valuation Fee paid by Bristol & West Mortgages 		• 5% of the sum repaid until 31/07/2013
• Part repayment admin fee: £50

7.29% 5 year fixed (Self Cert – ALH)

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Rate and term The overall cost for comparison is (APR) Max loan to value Features Early Repayment Charges
Rates correct as at 08/05/2008. Available to all new customers. Lending fee: £195 (due on completion but payment can be deferred until the mortgage is fully repaid). Full repayment mortgage release fee (currently £0).
7.29% which is a 5 year fixed until 31/07/2013, then changing to 7.09% variable which is our Standard Variable Rate for the rest of the mortgage period. 7.7% 85% • 1% arrangement fee
• No extended tie in
• No Higher Lending Charge 		• 5% of the sum repaid until 31/07/2013
• Part repayment admin fee: £50

7.35% 3 year fixed (Self Cert – ALE)

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Rate and term The overall cost for comparison is (APR) Max loan to value Features Early Repayment Charges
Rates correct as at 08/05/2008. Available to all new customers. Lending fee: £195 (due on completion but payment can be deferred until the mortgage is fully repaid). Full repayment mortgage release fee (currently £0).
7.35% which is a 3 year fixed until 31/07/2011, then changing to 7.09% variable which is our Standard Variable Rate for the rest of the mortgage period. 7.7% 85% • 1% arrangement fee
• No extended tie in
• No Higher Lending Charge
• No legal fees (for remortgagers only)
• Standard Valuation Fee paid by Bristol & West Mortgages 		• 5% of the sum repaid until 31/07/2011
• Part repayment admin fee: £50

7.49% 5 year fixed (Self Cert – ALJ)

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Rate and term The overall cost for comparison is (APR) Max loan to value Features Early Repayment Charges
Rates correct as at 08/05/2008. Available to all new customers. Lending fee: £195 (due on completion but payment can be deferred until the mortgage is fully repaid). Full repayment mortgage release fee (currently £0).
7.49% which is a 5 year fixed until 31/07/2013, then changing to 7.09% variable which is our Standard Variable Rate for the rest of the mortgage period. 7.8% 85% • 1% arrangement fee
• No extended tie in
• No Higher Lending Charge
• No legal fees (for remortgagers only)
• Standard Valuation Fee paid by Bristol & West Mortgages 		• 5% of the sum repaid until 31/07/2013
• Part repayment admin fee: £50

In addition to the information we told you about earlier (i.e. your choices of repayment options, the mortgage 'loan to value' ratio, general moving fees and cost) you should now have a clearer picture of what a mortgage entails.

Helping you further

For a step by step guide to buying a house, click on our guide to buying your first home which takes you through the process, offering hints, tips and explanations all along the way.