Buy-to-let Mortgages
Rate %
ABBEY
STANDARD CONDITIONS Lends in: GB & NI
Min Valn: £100K Interest Calculation: Daily
4.29 F 4.29 F 5.19 F 5.19 F
2.3.14 - 2.3.14 - 2.3.14 - 2.3.14 -
ALDERMORE STANDARD CONDITIONS
Interest Calculation: Daily 4.78 V
5.08 V 4.68 V 4.98 V 4.98 V 5.28 V 5.88 V 4.58 F 4.78 F 5.88 F 4.48 F 4.98 F 4.98 F 5.68 F 5.88 F 5.88 F 5.88 F 6.28 F 5.68 F 5.78 F 6.48 F
Lends in: GB Min Valn: £50K
Interest Calculation: Daily 3.50 V
3.88 V 3.88 V
Lends in: NI
Min Valn: £40K Interest Calculation: Monthly
4.99 F 5.29 F
BATH BS
STANDARD CONDITIONS Lends in: Eng & Wales Min Valn: £100K
Interest Calculation: Annually 5.29 V
6.08 V
Term - Term -
Lends in: GB & NI Min Valn: £40K
Interest Calculation: Daily 3.85 V
4.25 V 4.74 V 4.89 V 4.24 V 4.39 V 5.15 V 5.30 V 3.79 F 4.20 F 4.35 F 4.89 F 5.10 F 5.25 F 5.74 F 5.89 F 5.30 F 5.45 F 5.39 F
1 yr 1 yr 1 yr 1 yr
- - - -
2 yrs - 2 yrs - 2 yrs - 2 yrs - 31.3.14 - 31.3.14 - 31.3.14 - 31.3.14 - 31.3.14 - 31.3.14 - 31.3.14 - 31.3.14 - 31.3.15 - 31.3.15 - 31.3.17 -
Lends in: Eng & Wales Min Valn: -
Interest Calculation: Annually 5.99 V
Term -
31.1.14 - 31.1.15 -
- -4.74 - -4.74
- -
75 75
80% to £250K
- -- - - -- -
BIRMINGHAM MIDSHIRES SOLUTIONS STANDARD CONDITIONS
80 75
80 75
LTV Limits: MA 75% to £1M
- -
75 75
- -
Tel: 01225 475702 LTV Limits: MA
25001 25001
- -
1.50% No HLC. 1.50% No HLC.
www.bathbuildingsociety.co.uk
High Lending Charge: No HLC
50K -refer No HLC. 30K -refer No HLC. Holiday Let only.
www.bmsolutions.co.uk
High Lending Charge: No HLC
- BBR+3.75 4.84 - 60 60 60 25001 - - BBR+4.24 4.84 - 75 75 75 25001 - - BBR+4.39 4.84 - 75 75 75 25001 - - BBR+3.74 4.84 - 60 60 60 25001 - - BBR+3.89 4.84 - 60 60 60 25001 - - BBR+4.65 4.84 - 75 75 75 25001 - - BBR+4.80 4.84 - 75 75 75 25001 - - -4.84 - -4.84 - -4.84 - -4.84 - -4.84 - -4.84 - -4.84 - -4.84 - -4.84 - -4.84 - -4.84
- - - - - - - - - - -
BUCKINGHAMSHIRE BS STANDARD CONDITIONS
60 60 60 75 75 75 75 75 75 75 75
60% to £500K - -- 60 60 60 -
60 60 60 75 75 75 75 75 75 75 75
60 60 60 -
75 75 75 75 75 75 75
Tel: 01753 482100 LTV Limits: MA
25001 25001 25001 25001 25001 25001 25001 25001 25001 25001 25001
- BBR+3.35 4.84 - 75 75 - 25001 500K refer No HLC. refer No HLC.
refer £500 rebate, no HLC. refer £500 rebate, no HLC. refer £500 rebate, no HLC. refer £500 rebate, no HLC. refer No HLC. refer No HLC.
- - -
500K - - - - - - -
refer £500 rebate, no HLC. refer £500 rebate, no HLC. refer £500 rebate, no HLC. refer No HLC. refer No HLC. refer No HLC.
refer £500 rebate, no HLC. refer £500 rebate, no HLC. refer £790 rebate, no HLC.
refer £300 rebate, refund valn (max £490), no HLC. refer No HLC.
www.bucksbs.co.uk
High Lending Charge: No HLC
40K -refer No HLC.
Standard Redemption Conditions: Max Age: Int to e.o.m, sealing fee £100
Non standard conditions: Individually assessed 1st yr - 60 60 60 - 60 60 All - Any £500K
Standard Redemption Conditions: Max Age: None
Non standard conditions: 75 at end of mortgage
1st yr 1st yr 1st yr 1st yr
1st 2 yrs 1st 2 yrs 1st 2 yrs 1st 2 yrs
LTV & Minimum valuation restrictions apply on some products, refer to
eMoneyfacts.co.uk
- 75 - 75 75 75 - - 60 - 60 60 60 - - 75 - 75 75 75 - - 75 - 75 75 75 - - 60 - 60 60 60 - - 60 - 60 60 60 - - 75 - 75 75 75 - - 75 - 75 75 75 -
To 31.3.14 - 60 - 60 60 60 - To 31.3.14 - 60 - 60 60 60 - To 31.3.14 - 60 - 60 60 60 - To 31.3.14 - 75 - 75 75 75 - To 31.3.14 - 75 - 75 75 75 - To 31.3.14 - 75 - 75 75 75 - To 31.3.14 - 75 - 75 75 75 - To 31.3.14 - 75 - 75 75 75 - To 31.3.15 - 75 - 75 75 75 - To 31.3.15 - 75 - 75 75 75 - To 31.3.17 - 75 - 75 75 75 -
IW -- 3£2M IW -- 3£2M IW -- 3£2M IW -- 3£2M IW -- 3£2M IW -- 3£2M IW -- 3£2M IW -- 3£2M IW -- 3£2M IW -- 3£2M IW -- 3£2M IW -- 3£2M IW -- 3£2M IW -- 3£2M IW -- 3£2M IW -- 3£2M IW -- 3£2M IW -- 3£2M IW -- 3£2M
Standard Redemption Conditions: Max Age: Deeds fee £50, Rdm admin fee £100 Individually assessed
1st 2 yrs 1st 3 yrs
Non standard conditions:
LTV restrictions apply on some products, refer to
eMoneyfacts.co.uk
- 80 - 80 - 80 - All -- 1£250K - 75 - - - - - All -- 1£250K
To 31.1.14 - 75 - 75 - 75 - DB - 2£600K To 31.1.15 - 75 - 75 - 75 - DB - 2£600K
Term - Term - Term -
BANK OF IRELAND UK STANDARD CONDITIONS
- -4.24 - -4.24 - -4.24 - -4.24
- - - -
60 60 75 75
60 -
75 -
- - - -
Tel: 0333 321 1000 LTV Limits: MA
65% to £1M
- -
2 yrs 0.20 - -4.98 2 yrs 0.40 - -5.48 Term 0.30 - -- - Term - Term - Term - Term - 2 yrs - 2 yrs - 2 yrs - 3 yrs - 3 yrs - 3 yrs - 3 yrs - 3 yrs - 3 yrs - 3 yrs - 3 yrs - 5 yrs - 5 yrs - 5 yrs -
- -- - - -- - - -- - - -- - - -4.98 - -5.48 - -5.73 - -4.98 - -5.48 - -4.98 - -5.48 - -5.73 - -4.98 - -5.48 - -5.73 - -4.98 - -5.48 - -5.73
- - - - - - - - - - - - - -
BANK OF CHINA (UK) STANDARD CONDITIONS
65 75 65 65 75 75 -
65 75 80 65 75 65 75 80 - -
80 65 75 80
65 75 65 65 75 75 75 65 75 80 65 75 65 75 80 65 75 80 65 75 80
- - - - - - - - - - - - - - - - - - - - -
Tel: 0845 602 7083 LTV Limits: P
25K 25K
25K 25K 25K 25K
- - - -
Lends in: England (excl Scilly Isles) & Wales 80% to £400K, 75% to £600K No HLC Min Valn: £75K
- -
£1495 No HLC.
£1495 Eng, Wales & NI free valn (max £1190), £250 rebate, no HLC. £1495 No HLC.
£1495 Eng, Wales & NI free valn (max £1190), £250 rebate, no HLC.
www.aldermore-mortgages.co.uk
High Lending Charge:
Standard Redemption Conditions: Max Age: Discharge fee £90
2.00% Remtg free legal fees, no HLC. 2.00% Remtg free legal fees, no HLC.
25K 25K 25K 25K 25K 25K 25K 25K 25K 25K 25K 25K 25K 25K
25K -2.75% Remtg free legal fees, no HLC. 25K -2.00% Remtg free legal fees, no HLC. 25K -2.75% Remtg free legal fees, no HLC. 25K -2.00% Remtg free legal fees, no HLC. 25K -- Free legal fees, free valn, no HLC. £1999 Remtg free legal fees, no HLC. £1999 Remtg free legal fees, no HLC. £1999 Remtg free legal fees, no HLC. 2.50% Remtg free legal fees, no HLC. 2.50% Remtg free legal fees, no HLC. £999 Remtg free legal fees, no HLC. £999 Remtg free legal fees, no HLC. 2.50% Remtg free legal fees, no HLC. Free legal fees, free valn, no HLC. Free legal fees, free valn, no HLC.
- - - - - - - - - - - - - -
75% to £150K, 70% to £500K No HLC 65% to £1M, 55% over £1M
- BBR+3.00 - 65 65 65 65 2M 10M 1.00% No HLC.
- BBR+3.38 - 75 75 75 - 35K 2M refer Eng & Wales Direct remtg free legal fees, no HLC. - - - 75 35K 2M refer Eng & Wales Direct EXPREM free legal fees, no HLC.
- BBR+3.38 -
Direct Tel: 0800 085 0444 LTV Limits: MA
75% to £300K
www.bankofireland.co.uk
High Lending Charge: No HLC
Standard Redemption Conditions: Max Age: Deferred arrangement fee £195
Non standard conditions: Individually assessed
- -
£999 Remtg free legal fees, no HLC. £1999 Remtg free legal fees, no HLC. £1999 Remtg free legal fees, no HLC. £1999 Remtg free legal fees, no HLC.
www.bankofchina.com/uk/pbservice/pb2/intermediaries High Lending Charge:
Standard Redemption Conditions: Max Age: Discharge fee £95
Non standard conditions: 65 at end of mortgage
1st yr 1st yr 1st yr
Lending, LTV & Minimum valuation restrictions apply on some products, refer to
eMoneyfacts.co.uk
65 - 65 65 65 - - All 75 - 75 75 75 - - All 75 - - 75 75 - - All
- 1£10M - 10 £2M - 10 £2M
To 2.3.14 - 60 - 60 60 60 - To 2.3.14 - 60 - 60 60 60 - To 2.3.14 - 75 - 75 75 75 - To 2.3.14 - 75 - 75 75 75 -
Non standard conditions: 85 at end of mortgage
1st 2 yrs 1st 2 yrs 1st 3 yrs 1st 3 yrs 1st 3 yrs 1st 3 yrs 1st 3 yrs 1st 2 yrs 1st 2 yrs 1st 2 yrs 1st 3 yrs 1st 3 yrs 1st 3 yrs 1st 3 yrs 1st 3 yrs 1st 3 yrs 1st 3 yrs 1st 3 yrs 1st 5 yrs 1st 5 yrs 1st 5 yrs
LTV restrictions apply on some products, refer to
eMoneyfacts.co.uk
- 65 - 65 - 65 - SIW - 5 - 75 - 75 - 75 - SIW - 5
£2M £2M
- 65 - 65 - 65 - SIW - 5£2M - 65 - 65 - 65 - SIW - 5£2M - 75 - 75 - 75 - SIW - 5£2M - 75 - 75 - 75 - SIW - 5£2M - 75 - - - 75 - SIW - 5£2M - 65 - 65 - 65 - SIW - 5£2M - 75 - 75 - 75 - SIW - 5£2M - 80 - 75 - 80 - SIW - 5£2M - 65 - 65 - 65 - SIW - 5 - 75 - 75 - 75 - SIW - 5 - 65 - 65 - 65 - SIW - 5
- 75 - 75 - 75 - SIW - 5£2M - 80 - 75 - 80 - SIW - 5£2M - 65 - - - 65 - SIW - 5£2M - 75 - - - 75 - SIW - 5£2M - 80 - 75 - 80 - SIW - 5£2M - 65 - 65 - 65 - SIW - 5£2M - 75 - 75 - 75 - SIW - 5£2M - 80 - 75 - 80 - SIW - 5£2M
I I I I
- 2 - 2 - 2
£1M £1M £1M
- 2£1M Term
Dis %
Tracks %
Revert Rate %
LTV
FTB STB Remtg Expat % % % %
Tel: 0845 600 8210 LTV Limits: MA
75% to £500K Advance Fee
Min £
Max £
www.abbeyforintermediaries.com
High Lending Charge: No HLC
Standard Redemption Conditions: Max Age: Deferred arrangement fee £225
Non standard conditions: 75 at end of mortgage Incentives/Notes
Repayment Charges
Early
(See also Std Redemption Conditions)
Landlord Types
£2M £2M £2M
February 2012
READERS ARE REMINDED THAT BUSINESS MONEYFACTS IS COPYRIGHT
BUY-TO-LET MORTGAGES Step Number
Self-cert
Offshore Co’s Prof L’lords
Ltd Co. FT Landlords
Foreign Nat’s P’ships/Trusts
Prop Devs
Channel Flexible
Overpayments
Max No of Properties
Total Adv
Page 1 |
Page 2 |
Page 3 |
Page 4 |
Page 5 |
Page 6 |
Page 7 |
Page 8 |
Page 9 |
Page 10 |
Page 11 |
Page 12 |
Page 13 |
Page 14 |
Page 15 |
Page 16 |
Page 17 |
Page 18 |
Page 19 |
Page 20 |
Page 21 |
Page 22 |
Page 23 |
Page 24 |
Page 25 |
Page 26