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Remortgage


Fixed Rate 5.49%
Initial rate: 5.49% until 30/11/2010.  Subsequent rate: Lender's standard variable rate, currently 7.09% for the rest of the mortgage term. Free valuation and standard legal costs.  The overall cost for comparison is 7.0% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration

Details
Early repayment charge: 3% of the outstanding loan if the mortgage until 30/11/2010.
An upfront booking fee of £99 is payable - non refundable.  Arrangement fee: £1995 can be added to the loanThe maximum Loan to Value is 60% of the value of the property or purchase price, whichever is lower.

 
Home Mover

Fixed Rate 5.49%
Initial rate: 5.49% until 30/11/2010.  Subsequent rate: Lender's standard variable rate, currently 7.09% for the rest of the mortgage term. Free valuation and standard legal costs.  The overall cost for comparison is 7.0% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration

Details
Early repayment charge: 3% of the outstanding loan if the mortgage until 30/11/2010.
An upfront booking fee of £99 is payable - non refundable.  Arrangement fee: £1995 can be added to the loanThe maximum Loan to Value is 60% of the value of the property or purchase price, whichever is lower.



First Time Buyer

Discounted rate of 5.89%
Initial rate: 5.89% - 1.2% below the lenders variable rate until 31/08/2011
Subsequent rate: Lender's standard variable rate, currently 7.00% for the rest of the mortgage term
The overall cost for comparison is 7.20% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration

Details
Early repayment charge: 4% of the original loan if the mortgage is repaid before 30/11/2009 and 2% if repaid before 31/08/2011.
An additional administration charge is payable when the mortgage is redeemed at any time (currently £35).
Arrangement fee: 0.4% of the loan amount can be added to the loan (non-refundable)
The maximum Loan to Value is 90% of the value of the property or purchase price, whichever is lower.

 

Buy-to-Let


Tracker rate 5.39% with NO EARLY REPAYMENT CHARGES
Initial rate: 5.39% tracker variable rate (1.69% above Bank of England Base rate)until 30/09/2010
Subsequent rate: lenders variable rate with is currently 7.24%.

The overall cost for comparison is 7.5% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration

Details
Early repayment charge: none.  An additional administration charge is payable when the mortgage is redeemed at any time (currently £145).
Arrangement fee: 3% of mortgage amount (non-refundable)
The maximum Loan to Value is 60% of the value of the property or purchase price, whichever is lower.
Rental income must cover 125% of payrate



Your property may be repossessed if you do not keep up repayments on your mortgage.

You can choose how we are paid for mortgages: pay a fee, usually 1% of the loan amount,
or we can accept commission from the lender.

The FSA do not regulate buy to let mortgages.
 
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