Current Best Buys 
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These are illustrations of what you might expect to pay each month based on the specified loan amount and term.
NEW: FIRST TIME BUYER RATE
Based on £250,000 purchase price, 90% LTV Loan of £225,000 over 25 yrs (figures correct as of 27-01-2010)
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PRODUCT TYPE
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First Time Buyer - INTERMEDIARY EXCLUSIVE
3.89% Tracker - 85% LTV (BBR + 3.39%) to 28.02.2012 Then 5.99% variable for the remainder of the term.
Purchase to 85% LTV.
Current Pay Rate 3.89%
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THE OVERALL COST FOR COMPARISON IS
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5.9% APR
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INITIAL RATE
VARIABLE RATE: CURRENTLY
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£1,118.70 pcm (Repayment)
5.99% variable for remainder of the term
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BASIC VALUATION FEE
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£320 .
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LENDER ARRANGEMENT FEE
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£95 Upfront Booking Fee and £1,900 Arrangement Fee (can be added to the loan)
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EARLY REPAYMENT CHARGE
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4% of oustanding Loan before 28.12.2012.
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OVERPAYMENTS
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10% of oustanding mortgage balance each year.
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FEATURES
CASH BACK / OTHER INCENTIVES / OTHER FEATURES
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Mortgage is portable if you move home.
No Lending to blocks over 6 Storeys
LTV above 75% - Must be on Repayment basis.
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INCOME MULTIPLES
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Income multiples of up to 4 x single or 4 times Joint
Min 2 years account for self employed.
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MAXIMUM LOAN SIZE
MAXIMUM LOAN TO VALUE (LTV)
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£750,000 at 85% LTV.
75% LTV for Interest Only
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ENQUIRE ABOUT THIS DEAL |
NEW: PURCHASE RATE
Based on £500,000 property valuation to 70% LTV - Loan of £350,000 over 25 yrs (figures correct as of 27-01-2010)
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PRODUCT TYPE
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PURCHASE - 2 year tracker (Bank Base Rate + 1.99% for 2 Yrs, then lender SVR currently 4.99% variable for remainder of the term)
MAX 70% LTV
Current Pay Rate 2.49%
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THE OVERALL COST FOR COMPARISON IS
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4.7% APR
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INITIAL RATE
VARIABLE RATE: CURRENTLY
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£1,575.10 pcm (Repayment)
4.99% variable for remainder of the term
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VALUATION FEE
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FREE BASIC VALUATION
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LENDER ARRANGEMENT FEE
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£1,495 (can be addded to loan)
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EARLY REPAYMENT CHARGE
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2% of Loan if repiad within 2 yrs of completion of mortgage.
Plus Final Repayment Charge of £295
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OVERPAYMENTS
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Ni Restrictions (minimum £500).
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FEATURES
CASH BACK / OTHER INCENTIVES / OTHER FEATURES
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Free Basic Valuation
Mortgage is portable if you move house.
Not available to First time buyers.
New Build acceptable
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INCOME MULTIPLES
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4.75 x single or 4.5 x Joint income.
Employed only
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MAXIMUM LOAN SIZE
MAXIMUM LOAN TO VALUE (LTV)
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£500,000
70% LTV
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ENQUIRE ABOUT THIS DEAL |
NEW - LARGE MORTGAGE LOAN
Based on £5,000,000 Purchase price and max 70% LTV - Loan of £2,250,000 based on a 25 year term (figures correct as of 27-01-2010)
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PRODUCT TYPE
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3.69% Fixed to 31.03.2012 then 4.00% variable for remainder of the term
Current Pay Rate 3.69%
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THE OVERALL COST FOR COMPARISON IS
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4.0% APR
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INITIAL RATE
VARIABLE RATE: CURRENTLY
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£17,885.60 pcm (Repayment)
4.00% variable for remainder of the term
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VALUATION FEE
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£5,000 Basic Valuation + £75 admin fee.
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LENDER ARRANGEMENT FEE & AVENUE & CO PRIVATE FINANCE ARRANGEMENT FEE
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£999 Lender Arrangement Fee (can be added to loan)
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EARLY REPAYMENT CHARGE
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3% of Loan to 31.03.2012
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OVERPAYMENTS
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10% of Loan oustanding per annum.
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FEATURES
CASH BACK / OTHER INCENTIVES / OTHER FEATURES
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Mortgage is portable if you move house.
Loans above £1m - evidence of repayment vehicle required.
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INCOME MULTIPLES
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Income multiples of up to 4.9 x single or 4.9 times Joint income.
100% of regular income (Guaranteed) can be taken into consideration for income multiples.
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MAXIMUM LOAN SIZE
MAXIMUM LOAN TO VALUE (LTV)
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None - subject to individual assessment
70% 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 an administration fee of £250 when a full mortgage application is submitted to the lender for loans below £1m. For loans above £1m, the administration fee is £500. We may on completion receive a commission from the lender. Alternatively, you can pay us a fee of 0.5% 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 Self Certification/Right to Buy loans the overall cost of comparison is 6.5% 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.