Rates going down We’re cutting rates on 24 products. The biggest reductions are to our 5 year products across all LTVs up to 85% LTV. These will be cut by up to 0.22%. We’ve also cut rates on our 2 and 3 year products across all LTVs up to 90% LTV by 0.08% Rates going up We’re increasing our 100% LTV self certification product by 0.20%. Product Transfer deals are only available to existing Accord clients whose current deal is coming to an end or they’re mortgage rate is our SVR And don’t forget we pay a competitive 0.30% proc fee for residential product transfers and additional loans. For additional loans the loan amount must be for £3,000 or more.