Types of Mortgages

Residential Mortgages

Whether you wish to buy or remortgage, Cluttons Private Finance can help you. We have access to the whole mortgage market which has over 4,000 products. We look closely at what you are looking for and wanting to achieve with your mortgage and carry out the research on your behalf, reverting with our recommendations. Price is always important and we have access to the most competitively priced mortgages, considering rates, fees and term. We advise on all mortgage options, including, where suitable, offset, fully flexible, longer term fixed rates, interest only, and so the list goes on.

Having agreed the most appropriate product and rate with you, we will process the paperwork on your behalf and ensure you have an offer in the shortest time possible, occasionally within 24 hours. Our standard timescale will see 75% of offers out within 12 working days and 95% within 16 working days. This quick turnaround time ensures you are able to meet any tight deadlines.

A selection of the Residential mortgages we have available are shown below. For more information please call 020 7647 7171.

2 year fixed rate up to 60%

3.39% fixed until 02/08/2011 reverting to lenders standard variable rate currently 4.24%. The overall cost for comparison is 3.9% APR.

• Available up to 60% Loan to Value
• Lenders arrangement fee of £1995 (added to the loan)
• 3% Early Repayment Charge until 02/08/2011
• Available for purchase and remortgage
• Minimum loan amount from £550,000

 

Lifetime tracker up to 70%

3.24% lifetime tracker at 2.74% over Bank of England base rate. Total cost comparision 3.8% APR.

• Available up to 70% Loan to Value
• Lenders arrangement fee of £999 
• Early Repayment Charges of 1% until 31/07/2012
• For purchase and with free valuation and solicitors fees for remortgage
• Maximum loan amount £1,000,000

3 year fixed rate up to 70%

3.99% three year fixed rate until 31/07/2012 then reverting to Bank of England plus 1.99% for remaining term. The overall cost for comparison is 4.1% APR.

• Available up to 70% Loan to Value
• Lenders arrangement fee of £995 (added to the loan)
• Early Repayment Charges of 3% until 31/07/2012 
• For purchase and with free valuation and solicitors fees for remortgage
• Maximum loan £1,000,000.00

5 year fixed rate up to 85%

5.99% fixed until 28/02/2014 reverting to lenders standard variable rate of 3.99% Overall costs comparison is 4.9%

• 85% maximum loan available
• Available for house purchase and remortgage
• No lenders arrangment fee 
• Maximum loan size £1,000,000
• Early repayment charges of 3% before 28/02/2014

4 year fixed rate up to 65%

4.49% fixed until 31/07/2013 reverting to lenders standard variable rate currently 4.99%for the remaining term. Total cost comparison 4.3%. 

• 70% maximum Loan to Value
• Available for purchase only
• £495 lenders arrangement fee (added to the loan)
• Maximum loan amount £1,000,000
• Early repayment charges of 3% until 31/07/2013