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.
- Exclusive Tracker Rate
An exclusive tracker rate at + 1.46% (4.46%) for the term of the mortgage. For Example a lifetime Tracker rate at 1.46% above the bank base rate for the remaining term of the mortgage, the overall cost for comparison is 4.2% APR.
- Available up to 60% Loan to Value
- Lenders arrangement fee of up to £799
- No Early Repayment Charges
- Available for remortgage only
- Free valuation and free conveyancing on a remortgage by negotiation
- 2 Year Fixed Rate
4.39% fixed until 02/03/11 then reverting to the lender's variable rate for the remainder of the term currently 5.44%. The overall cost for comparison is 5.4% APR.
- Available up to 60% Loan to Value
- Lenders arrangement fees of £495
- Early Repayment Charges of 3% until 02/03/11
- For purchase or remortgage
- 3 year fixed rate
6.59% fixed until 28/02/14 then reverting to the lender's variable rate for the remainder of the term. The overall cost for comparison is 6.8% APR.
- Available up to 90% Loan to Value
- Lenders arrangement fee of £995
- Early Repayment Charges of 5% in the first two years dropping to 4% in year three, 3% in year four and 2% in year five
- For purchase or remortgage
These rates were prepared on 04/11/2008 and have been selected considering factors such as rate of interest charged and quality of lenders administration. Rates are accurate on the date of publishing but may be subject to change at short notice and terms are dependent on individual circumstances. Broker fees of up to 1.25% may be charged, although we are happy to discuss payment choices. Authorised and regulated by the Financial Services Authority. The FSA does not regulate some forms of mortgage. YOUR HOME MAY BE REPOSSESED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
