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90% Britannia Exclusive - Key Facts Illustration

On this page you can download a Key Facts Illustration (KFI) for our Britannia Exclusive 90% fee-free mortgages , including our 3.79% discount and 4.89% two year fixed. It is important that you take your time to read and understand the KFI.

2 important FAQs before you proceed

Why is my first payment higher?

The KFI may show a higher first payment before your usual payment starts. This is simply because your first payment can sometimes cover more than one month, depending on the day you complete, and interest is charged pro rata (known as 'broken interest').

How long am I tied in for?

There are NO early repayment charges on the 3.79% discount rate and this means that you are never tied in. So, if interest rates stay the same you benefit from the competitive rate on our fee-free deal but if rates rise you can switch to a Britannia fixed rate without penalty (or to a deal with any other lender). Early repayment charges apply for two years on the two year fixed rate.

Property price/value (£)
Your deposit (£)
Mortgage term

Please select which product you wish to produce an illustration for.

Select	Mortgage	Product Details
	LIFETIME DISCOUNT	3.79% lifetime discount 'best buy'* 90% mortgage with no up front fees and no early repayment charges (so you are never tied in). Free standard valuation. No arrangement fees. Variable rate discounted by 0.95% from Coop's standard variable rate, 4.74% from 20th April 2012, giving current rate payable of 3.79% and an overall cost for comparison of 3.9% APR.*(moneysupermarket as at 2nd April 2012)
	2YR FIXED	4.89% two year fixed. Free standard valuation. No arrangement fees. Fixed until 30th August 2014 and followed thereafter by the Britannia standard variable rate, currently 4.74%, with an overall cost for comparison of 4.8% APR. Early repayment charges apply until 30th August 2014.

Would you like to add the arrangement fee to the loan?
NB: you cannot add fees where this would take the loan to value above 90%

noyes

Applicant 1

Name
Email

Applicant 2

Name
Email

Applicant 3

Name
Email

Applicant 4

Name
Email

Before you proceed, please confirm that all applicants have read the Initial Disclosure Document [53k] which provides key facts about our mortgage services.

	We confirm the above

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

Share to buy Ltd is authorised and regulated by the Financial Services Authority.

FSA register number 306800. You can find more detail on our status in our Initial Disclosure Document [109k] and Terms of Business. For further information, contact us or write to: Share to buy, PO Box 37188, London E4 7WY. Registered in England and Wales no: 04909788.

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