Cluttons Private Finance - Best Buys
A selection of the mortgages we have available are shown below. For more information please call 020 7647 7171.
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- LOW RATE - 2 year tracker rate up to 65%
1.89% above Bank of England base rate to 28/02/2012 reverting to lenders SVR. The overall cost for comparison is 5.5% APR.
- Available up to 65% Loan to Value
- Lenders arrangement fee of £1,995
- 4% Early Repayment Charges until 28/02/2012
- Available for purchase and remortgage
- Overpayments up to 10% available without penalty
- Maximum loan amount £750,000
- LARGER LOAN - 2 year tracker up to 80%
2.39% above Bank of England base rate to 31/12/2012 reverting to lenders SVR for term. The overall cost for comparison 3.8% APR.
- Available up to 80% Loan to Value
- Lenders application fee up to £1,499
- Arrangement fee of 0.5% of loan
- No early repayment charge option available
- Switch and fix option available during initial tracker period
- Available for purchases only
- Available for mortgages up to £2,000,000
- MEDIUM TERM CERTAINTY - 5 year fixed rate up to 70%
4.99% fixed until 02/05/2015 reverting to lenders standard variable rate for term. The overall cost for comparison is 4.8% APR.
- Available up to 70% Loan to Value
- Lenders arrangement fee of £995
- Free basic valuation (on properties up to £1m)
- 5% Early Repayment Charge (erc) until 02/05/2015
- 10% redemptions without ercs allowable per annum
- Available for purchases only
- Maximum loan amount £500,000
- HIGHER LTV - 2 year tracker to 90% (professionals only)
5.29% above Bank of England base rate for two years reverting to lenders standard variable rate for term. The overall cost for comparison is 4.5% APR.
- Available up to 90% Loan to Value
- No lender arrangement fee or higher lending fee
- 2% Early Repayment Charge if redeemed to less than £100 in first two years
- No charges for partial redemptions and offset facility available
- Available for purchase and remortgage
- SHORT TERM FIXED - 2 year fixed rate
3.59% fixed to 1st April 2012 reverting to lenders standard mortgage rate for term. The overall cost for comparison is 4.6% APR
- Available up to 70% Loan to Value
- Lenders arrangement fee of up to £995
- Early Repayment Charges(ercs) of 4% if redeemed before 1st April 2012
- 10% redemptions allowed without ercs
- Available for purchases and remortgages - free basic legal service on remortgages
- Loans up to £1,000,000
- BUY TO LET - 2 year fixed rate to 60%
4.74% fixed until 31/03/2012, reverting to lenders SVR. The overall cost for comparison is 4.9% APR
- Available to 60% Loan to Value
- Lenders Arrangement fee of £1,050
- Early Repayment Charges of 4% until 31/03/2012
- rent to cover 125% interest payments
- Available for purchases and remortgages
- Maximum loan £500,000
These rates were prepared on 22/02/2010 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.
