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Mortgage products and rates

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

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

These products are for new mortgage customers only. If you are an existing customer looking to re-mortgage, please contact us to find out more.

2 year Fixed Rate

Initial rate Then our Gibraltar Variable Rate thereafter, (currently) Overall cost for comparison (APR) Max LTV
2 year Fixed Rate up to and including 31 October 2015
3.59% 6.19% 6.1% 75%
3.99% 6.19% 6.2% 80%
RATES CORRECT AS AT 16 JUL 2013

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

Additional features

  • No Higher Lending Charge.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • Tapered Early Repayment Charges apply up to and including 31 Oct 2015.

Fees

  • Product Arrangement Fee (payable on application – this is refundable should the mortgage not complete) for loans up to £500,000: £999
  • Product Arrangement Fee (payable on application – this is refundable should the mortgage not complete) for loans over £500,000: 1% of loan
  • Redemption Fee: £199
Initial rate Then our Gibraltar Variable Rate thereafter, (currently) Overall cost for comparison (APR) Max LTV
Fee Free 2 year Fixed Rate up to and including 31 October 2015
5.29% 6.19% 6.3% 85%
RATES CORRECT AS AT 16 JUL 2013

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

Additional features

  • 1% cashback on completion (maximum £1,000).
  • No Higher Lending Charge.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • FREE standard valuation up to £305.
  • Tapered Early Repayment Charges apply up to and including 31 October 2015.

Fees

  • Redemption Fee: £199

3 year Fixed Rate

Initial rate Then our Gibraltar Variable Rate thereafter, (currently) Overall cost for comparison (APR) Max LTV
3 year Fixed Rate up to and including 31 October 2016
3.29% 6.19% 5.8% 60%
RATES CORRECT AS AT 16 JUL 2013

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

Additional features

  • No Higher Lending Charge.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • Tapered Early Repayment Charges apply up to and including 31 Oct 2016.

Fees

  • Product Arrangement Fee (payable on application – this is refundable should the mortgage not complete) for loans up to £500,000: £999
  • Product Arrangement Fee (payable on application – this is refundable should the mortgage not complete) for loans over £500,000: 1% of loan
  • Redemption Fee: £199

5 year Fixed Rate

Initial rate Then our Gibraltar Variable Rate thereafter, (currently) Overall cost for comparison (APR) Max LTV
5 year Fixed Rate up to and including 31 October 2018
4.39% 6.19% 5.9% 80%
RATES CORRECT AS AT 16 JUL 2013

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

Additional features

  • No Higher Lending Charge.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • Tapered Early Repayment Charges apply up to and including 31 Oct 2018.

Fees

  • Product Arrangement Fee (payable on application – this is refundable should the mortgage not complete) for loans up to £500,000: £999
  • Product Arrangement Fee (payable on application – this is refundable should the mortgage not complete) for loans over £500,000: 1% of loan
  • Redemption Fee: £199

2 year Discounted Rate

Initial rate variable for the first 2 years, (currently) Terms Then our Gibraltar Variable Rate thereafter, (currently) Overall cost for comparison (APR) Max LTV
4.29% Our Gibraltar Variable Rate less 1.90% 6.19% 5.5% 80%
RATES CORRECT AS AT 16 JUL 2013

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

Additional features

  • 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.

Fees

  • Product Arrangement Fee (payable on application – this is refundable should the mortgage not complete) for loans up to £500,000: £999
  • Product Arrangement Fee (payable on application – this is refundable should the mortgage not complete) for loans over £500,000: 1% of loan
  • Redemption Fee: £199

3 year Right to Buy Fixed Rate

Initial rate Then our Gibraltar Variable Rate thereafter, (currently) Overall cost for comparison (APR) Max LTV
3 year Right to Buy Fixed Rate up to and including 31 October 2016
6.19% 6.19% 6.8% 85%
RATES CORRECT AS AT 16 JUL 2013

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

Additional features

  • No Higher Lending Charge.
  • 10% capital repayments are allowed each year without incurring an Early Repayment Charge.
  • Only available for Right to Buy applications up to 100% of the discounted purchase price.
  • Tapered Early Repayment Charges apply up to and including 31 Oct 2016.

Fees

  • Product Arrangement Fee (payable on application – this is refundable should the mortgage not complete) for loans up to £500,000: £999
  • Product Arrangement Fee (payable on application – this is refundable should the mortgage not complete) for loans over £500,000: 1% of loan
  • Redemption Fee: £199

3 year Shared Ownership Fixed Rate

Initial rate Then our Gibraltar Variable Rate thereafter, (currently) Overall cost for comparison (APR) Max LTV
3 year Shared Ownership Fixed Rate up to and including 31 October 2016
6.99% 6.19% 6.9% 75%
7.59% 6.19% 7.1% 75%
RATES CORRECT AS AT 16 JUL 2013

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

Additional features

  • No Higher Lending Charge.
  • Up to 75% of borrower share available for the 6.99% Fixed Rate product.
  • Up to 85% of borrower share available for the 7.59% Fixed Rate product.
  • Tapered Early Repayment Charges apply up to and including 31 Oct 2016.

Fees

  • Product Arrangement Fee (payable on application – this is refundable should the mortgage not complete) for loans up to £500,000: £499
  • Product Arrangement Fee (payable on application – this is refundable should the mortgage not complete) for loans over £500,000: 1% of loan
  • Redemption Fee: £199

Gibraltar Variable Rate

The Society's Gibraltar Variable Rate applies for the term of the mortgage (currently) Overall cost for comparison (APR) Max LTV
6.19% 6.6% 85%
RATES CORRECT AS AT 16 JUL 2013

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

Additional features

  • No Higher Lending Charge.
  • Unlimited capital repayments are allowed.

Fees

  • Redemption Fee: £199

Would you like to apply for a mortgage?

Please visit the Gibraltar branch or call us on (00350) 200 50602