Barnsley BS has withdrawn and replaced its portfolio of fixed rate mortgages, with rates reduced by up to 1.20%. There are seven new options, all of which have no extended tie-in. Barnsley's 3.99% fixed rate deal at 65% loan-to-value catches the eye with its headline rate. The equivalent deal at 75% LTV has advantages of its own; priced at just 0.10% more than the 60% option, the 4.09% deal that runs until 30 April 2011 offers, in comparison with the 3.99% product, a reduction in the equity of, for example, £22,500 for a £150,000 property in return for an increased monthly interest cost of just £12.50. A £250 cash rebate is also available, while the application/booking fee is £495.
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