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.
For Private Bank lending rates (Loans above £1m to £25m), please contact us for an individual quotation as all rates are subject to individual criteria. Offset Mortgages are also available for loans above £2m).
NEW: FIRST TIME BUYER RATE
Based on £250,000 purchase price, 90% LTV Loan of £225,000 over 25 yrs (figures correct as of 01-07-2010)
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PRODUCT TYPE
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First Time Buyer - Professionals
5.49% Tracker 2 Yrs (BBR+4.99%) thereafter 3.99% variable for the remainder of the term.
Purchase to 90% LTV.
Current Pay Rate 5.49%
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THE OVERALL COST FOR COMPARISON IS
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4.5% APR
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INITIAL RATE
VARIABLE RATE: CURRENTLY
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£1,386.64 pcm (Repayment)
3.99% variable rate for remainder of the term
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BASIC VALUATION FEE
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£225.00 Basic Valuation
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LENDER ARRANGEMENT FEE
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£999 - Can be Added to Loan
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EARLY REPAYMENT CHARGE
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2% of loan outstanding in first 2 years
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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.
Offset Mortgage with option for reduced term or reduced payments.
Ability to Switch to a Fixed Rate at any time during term of loan without penalty.
Must be on Repayment basis.
Can Lend on property above shop and over 4 Storeys
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INCOME MULTIPLES
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up to 4 x single or 5 + 1 times Joint (for incomes over £50,000 per annum.
Min 2 years accounts for self employed.
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MAXIMUM LOAN SIZE
MAXIMUM LOAN TO VALUE (LTV)
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£500,000 at 90% LTV.
Repayment Only
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ENQUIRE ABOUT THIS DEAL |
NEW: OFFSET 5 YEAR FIXED PURCHASE RATE
Based on £1,000,000 property valuation to 70% LTV - Loan of £700,000 over 25 yrs (figures correct as of 01-07-2010)
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PRODUCT TYPE
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EXCLUSIVE RATE: PURCHASE - 2.49% Tracker 2 Yrs (BBR+1.99%) thereafter BBR+4.25% variable for the remainder of the term.
MAX 70% LTV (Max £750,000 Loan)
Current Pay Rate 2.49%
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THE OVERALL COST FOR COMPARISON IS
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4.5% APR
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INITIAL RATE
VARIABLE RATE: CURRENTLY
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£3,141.39 pcm (Repayment)
4.75% 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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£995 Arrangement Fee (can be added to the loan) (plus £140 admin fee payable upfront)
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EARLY REPAYMENT CHARGE
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2% of loan in Yr 1 and 1% of loan in Year 2.
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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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Mortgage is portable if you move house.
Mortgage deal is an Exclusive product.
Interest Only available up to 70% for advised sales.
Let to Buy Accepted.
Lending on Studios, Flat above shops allowed.
Not available to First time buyers.
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INCOME MULTIPLES
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Based on affordability
Self Employed - 2 Yrs Accounts Minimum
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MAXIMUM LOAN SIZE
MAXIMUM LOAN TO VALUE (LTV)
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£700,000
70% LTV
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ENQUIRE ABOUT THIS DEAL |
NEW - LARGE MORTGAGE LOAN REMORTGAGE
Based on £5,000,000 Purchase price and 60% LTV - Loan of £3,000,000 based on a 25 year term (figures correct as of 01-07-2010)
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PRODUCT TYPE
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PURCHASE - MOVER - 3.19% Tracker (BBR + 2.69%) to 31.07.2012 thereafter 3.50% variable for remainder of the term
Current Pay Rate 3.19%
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THE OVERALL COST FOR COMPARISON IS
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3.5% APR
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INITIAL RATE
VARIABLE RATE: CURRENTLY
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£14,560.89 pcm (Repayment)
3.50% variable for remainder of the term
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VALUATION FEE
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£3,095 Basic Valuation
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LENDER ARRANGEMENT FEE & AVENUE & CO PRIVATE FINANCE ARRANGEMENT FEE
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£7,500 Lender Arrangement Fee (can be added to loan)
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EARLY REPAYMENT CHARGE
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3% of Loan to 31.07.2011
2% of Loan to 31.07.2012
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OVERPAYMENTS
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10% of Loan outstanding per annum.
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FEATURES
CASH BACK / OTHER INCENTIVES / OTHER FEATURES
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Mortgage is portable if you move house.
Payment Holidays permitted after 3 months.
Property above 4 storeys permitted
Studio Flats and Listed Buildings permitted
New Build Acceptable
Interest Only acceptable (max 75% LTV)
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INCOME MULTIPLES
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up to 4.5 x single or 4 x Joint income.
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MAXIMUM LOAN SIZE
MAXIMUM LOAN TO VALUE (LTV)
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£7,500,000 (Loans above £10m - contact your adviser).
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 £275 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.