Portman changes mortgage portfolio

Five-year fixed rate 4.45 per cent, penalty in term (all) loans up to £500,000 - rate changed to 4.59 per cent

Up to 95 per cent

£499 Acceptance Fee

No higher lending charge up to 90 per cent

Facility to make part repayments of up to 5 per cent of the loan amount borrowed without incurring an Early Repayment Charge, for each full twelve month period from completion of the loan until 30 September 2010

Early Redemption Charge - 5 per cent of the balance on which interest is charged until 30.09.2010