Current Best Buys
WE HAVE NEW RESIDENTIAL AND BUY TO LET PRODUCTS EVERY DAY. Call 0845 230 9091 or click ENQUIRE
These are illustrations of what you might expect to pay each month based on the specified loan amount and term.
For Private Bank lending rates (Loans above £1m to £35m), and Buy to Let Rates, please contact us for an individual quotation as all rates are subject to individual criteria. Offset Mortgages are also available for loans above £1m).
PURCHASE - OFFSET
Based on £1,000,000 valuation and 75% LTV - Loan of £750,000 based on a 25 year term (figures correct as of 16-01-2012)
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PRODUCT TYPE
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EXCLUSIVE RATE
3.69% Fixed 5 Yrs until 31/03/17, thereafter lender SVR of 5.99% variable for the remainder of the term.
Max 75% LTV.
Current Pay Rate 3.69%
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THE OVERALL COST FOR COMPARISON IS
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5.20% APR
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INITIAL RATE
VARIABLE RATE: CURRENTLY
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£3,841.24 pcm (Repayment)
5.99% variable rate for remainder of the term
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BASIC VALUATION FEE
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£785.00
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LENDER ARRANGEMENT FEE
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£1900 + £95 booking fee upfront
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EARLY REPAYMENT CHARGE
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5% of loan to 31-03-2015,
4% of loan to 31-03-2016
3% of loan to 31-03-2017
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OVERPAYMENTS
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No restrictions
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FEATURES
CASH BACK / OTHER INCENTIVES / OTHER FEATURES
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Mortgage is portable if you move home.
EXCLUSIVE rate to Sesame Ltd
Flexible Offset Mortgage
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INCOME MULTIPLES
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up to 4 x single or 4 times Joint
Min 2 years accounts for self employed.
Affordability based lending.
Fast turnaround times
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MAXIMUM LOAN SIZE
MAXIMUM LOAN TO VALUE (LTV)
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£750,000 at 75% LTV.
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ENQUIRE ABOUT THIS DEAL |
REMORTGAGE TRACKER
Based on £1,000,000 valuation and 75% LTV - Loan of £750,000 based on a 25 year term (figures correct as of 16-01-2012)
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PRODUCT TYPE
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2 year Tracker 2.59% 2 years (Bank Base Rate +2.09%) until 31/03/14
Thereafter, lender SVR of 5.99% variable for remainder of term
MAX 75% LTV
Current Pay Rate 2.59%
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THE OVERALL COST FOR COMPARISON IS
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5.50 % APR
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INITIAL RATE
VARIABLE RATE: CURRENTLY
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£3,402.80 pcm (Repayment)
5.99% variable
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VALUATION FEE
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£305.00 (Basic Valuation) free up to £480.00)
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LENDER ARRANGEMENT FEE
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£900.00 (can be added to loan) + £95.00 booking fee payable upfront
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EARLY REPAYMENT CHARGE
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2% of loan in first 2 yrs
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OVERPAYMENTS
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10% of mortgage balance per annum
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FEATURES
CASH BACK / OTHER INCENTIVES / OTHER FEATURES
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FREE LEGALS
FREE BASIC VALUATION up to £480.00
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INCOME MULTIPLES
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Based on affordability - up to 4 x single or 4 x Joint
Self Employed - 2 Yrs Accounts Minimum
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MAXIMUM LOAN SIZE
MAXIMUM LOAN TO VALUE (LTV)
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£750,000
75% LTV
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ENQUIRE ABOUT THIS DEAL |
PURCHASE - LOANS ABOVE £2m
Based on £2,000,000 valuation and 75% LTV - Loan of £1,500,000 based on a 25 year term (figures correct as of 16-01-2012)
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PRODUCT TYPE
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INTERMEDIARY EXCLUSIVE!
2.69% Tracker (Bank Base Rate + 2.19%) for 18months
thereafter Lender's variable rate of 4.0%
Current Pay Rate 2.69%
Max LTV to 75%
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THE OVERALL COST FOR COMPARISON IS
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3.9% APR
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INITIAL RATE
VARIABLE RATE: CURRENTLY
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£6,875.97 pcm (Repayment)
4.00%
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VALUATION FEE
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£1,480.00 - Basic Valuation
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LENDER ARRANGEMENT FEE
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£499 (can be added)
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EARLY REPAYMENT CHARGE
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3% of Loan to 30-09-2013
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OVERPAYMENTS
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Max 10% Loan per annum
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FEATURES
CASH BACK / OTHER INCENTIVES / OTHER FEATURES
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Mortgage is portable if you move house.
Low lender arrangement fee
Max Term 52 years (max ceasing age to 70)
Child Education / School Fees commitments not taken into account when assessing affordability.
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INCOME MULTIPLES
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up to 4.9 x single or 4.9 x Joint income (Based on Affordability)
Min 2 yrs Accounts for Self Employed
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MAXIMUM LOAN SIZE
MAXIMUM LOAN TO VALUE (LTV)
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£1.5m - contact your adviser for a bespoke quote.
75% LTV
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ENQUIRE ABOUT THIS DEAL |
COST OF ADVICE
As independent advisers, you can choose how we are paid. We usually charge a typical administration fee of £349.00 when a full mortgage application is submitted to the lender. For loans above £500,000, the fee is £499.00. We may on completion receive a commission from the lender. Alternatively, you can pay us a a fee of 0.35% of the loan and we will refund any commission back to you that we receive.
We adhere to the principles of treating customers fairly and if we do charge you a fee, we will put in writing to you details of any fees before commencing any work.
Your property may be repossessed if you do not keep up repayments on your mortgage.
For the Self Employed, the overall cost of comparison is 6.3% APR. The actual rate available will depend on your circumstances. Ask for a personalised illustration. This APR is based on those with a clean credit history.