The Tipton & Coseley Building Society

Lifestyle all-inclusive

3 Year Fixed Rate

The no fees, flexible mortgage

Call 0800 833853 for a decision in principle

^{Fixed to 31/07/2011}	^{Reverting to a variable rate of}	^{The overall cost for comparison is}
6.39% fixed	6.29% variable	6.5% APR

As well as the flexibility offered by our Lifestyle all-inclusive mortgage range, you do not have to worry about the following fees:

no standard valuation fee
no arrangement fee
no conversion fee
no higher lending charge
no sealing fee
no redemption statement fee
no deeds release fee
no telegraphic transfer fee
no revaluation fee

This product is currently not available to mortgage intermediaries.

Key features
Property location	The property must be located within B, DY, WS or WV postcode areas. Applications outside these postcode areas will only be accepted for existing mortgage and savings members.
Lump sum payments	You can choose to overpay up to 10% of the original loan each year without charge.
Early repayment charges	Should the 10% limit be exceeded or the mortgage is redeemed or converted during the fixed rate period then an early repayment charge will apply.
Adjustable payment term	Increase or decrease your monthly repayments with our adjustable payment term facility.
Mortgage payment holidays	Take a break from repayments with our mortgage payment holiday facility.
Payment method	Monthly repayments must be made by direct debit.
Mortgage repayment terms	Terms available from 5 years up to 40 years.
Insurances	Buildings insurance is conditional but is not a compulsory tied product.
Maximum loan	90% of the purchase price or valuation, whichever is lower. The maximum amount for remortgage purposes is £250,000.
Interest calculation	Interest is calulated daily and is added to the account.

Further information

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

Fee free terms apply throughout the term only where the property remains residential owner occupied and payments are up to date and maintained on a direct debit basis. A full list of the fees applicable when variations of these terms occur is available on request. You will be responsible for all legal costs.

The product detailed above may be withdrawn at any time without prior notice.

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