If you’re after a fixed interest mortgage deal, the Yorkshire building society could have the answer. Before you get too excited you need to come up with 25% of the house value as a deposit as they will only pay up to 75% loan to value.

The mortgage is fixed for two years at 4.99% (until 31/08/2010) and after that you move to their standard rate mortgage which is currently 6.9%. On the up side, you don’t have to pay for valuation or standard legal fees for remortgages.

On the downside you do have to pay a 3% product fee, and a small legal charge for paying off your existing loan if you are remortgaging.

With fees, charges, etc etc included, the overall cost for comparison is 7.1% APR. Your home is at risk if you do not keep up with your mortgage repayments, and you should really speak to an independent mortgage adviser if you’re not sure which martgage to pick. Interst figures from www.ybs.co.uk/relief

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