Buy-to-let Mortgages (continued) LTV
Rate %
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 3.79 F 4.20 F 4.35 F 4.80 F 4.89 F 4.95 F 5.44 F 5.59 F 5.15 F 5.30 F 5.24 F
1 yr - 1 yr - 1 yr - 1 yr - 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 - CAMBRIDGE BS STANDARD CONDITIONS
Interest Calculation: Daily 3.99 V
4.49 F 4.89 F 4.89 F 5.99 F
2 yrs - 2 yrs - 2 yrs - 2 yrs - 2 yrs -
Lends in: GB & NI Min Valn: -
Interest Calculation: Daily 4.29 V
4.99 V 4.99 F 5.39 F
31.3.14 - 31.3.14 - 31.3.14 - 31.3.14 -
CLYDESDALE BANK STANDARD CONDITIONS
Lends in: GB Min Valn: -
Interest Calculation: Daily 4.99 V
4.79 F 5.29 F 4.99 F 5.49 F
Term - 30.4.14 - 30.4.14 - 30.4.17 - 30.4.17 -
COVENTRY BS
STANDARD CONDITIONS Lends in: GB & NI Min Valn: -
Interest Calculation: Daily 3.49 V
3.89 V 4.19 V 4.35 V 3.75 F 4.09 F 4.40 F 4.35 F 4.75 F 4.99 F 5.25 F 5.60 F 5.99 F 4.99 C
31.3.14 - 31.3.14 - Term - Term - 31.3.14 - 31.3.14 - 31.3.14 - 31.3.15 - 31.3.15 - 31.3.17 - 31.3.17 - 31.3.17 - 31.3.17 - 31.3.14 -
- - - - -
- - - - -
- -
- -
- -
Term
Dis %
Tracks %
Revert Rate % FTB STB Remtg Expat % % % %
Tel: 01225 475702 LTV Limits: MA
80% to £250K
- -
BIRMINGHAM MIDSHIRES SOLUTIONS STANDARD CONDITIONS
Advance Fee
Min £
Max £
www.bathbuildingsociety.co.uk
High Lending Charge: No HLC
- 80 80 - 50K - - 75 75 - 30K -
www.bmsolutions.co.uk
LTV Limits: MA 75% to £1M
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 - - - - - - - - - - - -
- - - - - - - - - - -
BUCKINGHAMSHIRE BS STANDARD CONDITIONS
4.84 - 60 60 60 25001 - 4.84 - 60 60 60 25001 - 4.84 - 60 60 60 25001 - 4.84 - 75 75 75 25001 -
4.84 - 75 75 75 25001 - 4.84 - 75 75 75 25001 - 4.84 - 75 75 75 25001 - 4.84 - 75 75 75 25001 - 4.84 - 75 75 75 25001 - 4.84 - 75 75 75 25001 -
Tel: 01753 482100 LTV Limits: MA
60% to £500K
- 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 £500 rebate, no HLC. refer £500 rebate, no HLC. refer £500 rebate, no HLC. refer No HLC.
4.84 - 75 75 - 25001 500K refer No HLC. refer No HLC.
refer £500 rebate, no HLC. refer £500 rebate, no HLC. refer £790 rebate, no HLC. refer £790 rebate, no HLC. refer No HLC.
www.bucksbs.co.uk
High Lending Charge: No HLC
- 60 60 60 - 40K - Tel: 0845 601 3344 LTV Limits:
Lends in: Restricted lending area applies Neg Min Valn: -
- - - -
- - - -
refer No HLC.
www.cambridgebs.co.uk
High Lending Charge: No HLC
- BBR+3.49 4.99 70 70 70 70 20K 750K 3.50% No HLC. 4.99 70 70 70 70 20K 750K 3.50% No HLC. 4.99 70 70 70 70 20K 250K £2000 No HLC. 4.99 70 70 70 70 250K 750K 1.00% No HLC. 4.99 70 70 70 70 20K 500K - No HLC.
CHELTENHAM & GLOUCESTER Direct Tel: 0800 272 131 STANDARD CONDITIONS
LTV Limits: Neg
www.cheltglos.co.uk
High Lending Charge: No HLC
Standard Redemption Conditions: Max Age: None
- BBR+3.79 4.84 - 60 60 60 5K 1M £1260 Remtg, EXPREM free legal fees, remtg, EXPREM free valn, no HLC. - BBR+4.49 4.84 - 75 75 75 5K 1M £1260 Remtg, EXPREM free legal fees, remtg, EXPREM free valn, no HLC. 4.84 - 60 60 60 5K 1M £1260 Remtg, EXPREM free legal fees, remtg, EXPREM free valn, no HLC. 4.84 - 75 75 75 5K 1M £1260 Remtg, EXPREM free legal fees, remtg, EXPREM free valn, no HLC.
- -
- -
Direct Tel: 0800 419000 LTV Limits:
Neg
www.cbonline.co.uk
High Lending Charge: No HLC
- 80 80 80 80 25K - £999 No HLC. Offset Option. 4.99 70 70 70 70 25K - £999 No HLC. 4.99 80 80 80 80 25K - £999 No HLC. 4.99 70 70 70 70 25K - £999 No HLC. 4.99 80 80 80 80 25K - £999 No HLC.
Direct Tel: 0845 766 5522 LTV Limits: MA
www.coventrybuildingsociety.co.uk High Lending Charge:
85% to £300K, 80% to £350K No HLC 75% to £500K, 50% to £1M
Standard Redemption Conditions: Max Age: Rdm admin fee £125
- BBR+2.99 4.74 - 65 65 - 25K - £1499 Free valn (max £700), remtg free legal fees, no HLC. - BBR+3.39 4.74 - 65 65 - 25K - £250 Free valn (max £700), remtg free legal fees, no HLC. - 65 65 - 25K - £1249 Free valn (max £700), remtg free legal fees, no HLC. - 65 65 - 25K - £250 Free valn (max £700), remtg free legal fees, no HLC. 4.74 - 65 65 - 25K - £2249 Free valn (max £700), remtg free legal fees, no HLC. 4.74 - 65 65 - 25K - £950 Free valn (max £700), remtg free legal fees, no HLC. 4.74 - 65 65 - 25K - £250 Free valn (max £700), remtg free legal fees, no HLC. 4.74 - 65 65 - 25K - £1249 Free valn (max £700), remtg free legal fees, no HLC. 4.74 - 65 65 - 25K - £250 Free valn (max £700), remtg free legal fees, no HLC. 4.74 - 65 65 - 25K - £1249 Free valn (max £700), remtg free legal fees, no HLC. 4.74 - 65 65 - 25K - £250 Free valn (max £700), remtg free legal fees, no HLC. 4.74 - 75 75 - 25K - £1249 Free valn (max £700), remtg free legal fees, no HLC. 4.74 - 75 75 - 25K - £250 Free valn (max £700), remtg free legal fees, no HLC.
- - - - - - - - - - -
- - - - - - - - - - -
- -
- BBR+3.49 4.74 - 65 65 - 25K - £1499 Free valn (max £700), remtg free legal fees, no HLC. Current pay rate 3.99% to 31.3.14.
Non standard conditions: 75 at end of mortgage
To 31.3.14 - 65 - 65 - 65 - DB - 3 £1M To 31.3.14 - 65 - 65 - 65 - DB - 3 £1M No penalty - 65 - 65 - 65 - DB - 3 £1M No penalty - 65 - 65 - 65 - DB - 3 £1M To 31.3.14 - 65 - 65 - 65 - DB - 3 £1M No penalty - 65 - 65 - 65 - DB - 3 £1M No penalty - 65 - 65 - 65 - DB - 3 £1M No penalty - 65 - 65 - 65 - DB - 3 £1M No penalty - 65 - 65 - 65 - DB - 3 £1M To 31.3.17 - 65 - 65 - 65 - DB - 3 £1M To 31.3.17 - 65 - 65 - 65 - DB - 3 £1M No penalty - 75 - 75 - 75 - DB - 3 £1M No penalty - 75 - 75 - 75 - DB - 3 £1M No penalty - 65 - 65 - 65 - DB - 3 £1M
Can add on = Charge can be added to mortgage debt but total debt must not exceed max loan to value shown LANDLORD TYPES: FT Landlords = First Time Landlords Ltd Co. = Limited Companies SPV = Special Purpose Vehicle Limited Companies CHANNELS: All = Intermediary & Direct Business DB = Direct business I = Intermediary IW = Intermediary web application DW = Direct web application DT = Direct telephone application SI = Selected Intermediaries TRACKS: BBR = Bank’s base rate LBR = Lender’s bank base rate LIBOR = London Interbank Offered Rate BORROWER TYPE: EXPA = Expatriates EXPREM = Expatriates remortgages FTB = First time buyer STB = Second time buyer Remtg = Remortgages For flexible criteria refer to Buy-to-Let Flexible Options page.
RATES: V= Variable F = Fixed C = Capped INCENTIVES/NOTES: A = Accident B = Buildings C = Contents S = Sickness U = Unemployment E = Free Home Emergency Cover HLC = Higher Lending Charge Intmds = Intermediary STANDARD CONDITIONS: LTV = Loan to Value MA = Refers to mortgage advance Min valn = Minimum valuation P = Lower of purchase price or valuation STD = Standard Interest to e.o.m = Interest is charged up to the last day of the month in which the mortgage is being redeemed (rather than to the date of repayment)
Free or discounted legal fees may only be available via nominated solicitor. Internal switching - not all products above are available. Contact Lender direct. The editor reserves the right to limit the product range shown or details covered on pages due to space limitations. Full details of all products are available on
www.emoneyfacts.co.uk. No liability can be accepted for any direct or consequential loss arising from the use of this information.
March 2012 READERS ARE REMINDED THAT BUSINESS MONEYFACTS IS COPYRIGHT 27
Standard Redemption Conditions: Max Age: Deeds fee £195
Non standard conditions: Individually assessed
No penalty - - - 80 - - - DB - 3- 1st 2 yrs - - - 70 - - - DB - 3- 1st 2 yrs - - - 80 - - - DB - 3- 1st 5 yrs - - - 70 - - - DB - 3- 1st 5 yrs - - - 80 - - - DB - 3-
Non standard conditions: 75 at end of mortgage
To 31.3.14 - 60 - 60 60 60 - DB - 3 £2M To 31.3.14 - 75 - 75 75 75 - DB - 3 £2M To 31.3.14 - 60 - 60 60 60 - DB - 3 £2M To 31.3.14 - 75 - 75 75 75 - DB - 3 £2M
Standard Redemption Conditions: Max Age: Discharge fee £60
Non standard conditions: Individually assessed
1st 2 yrs - 70 - 70 - - - All 1st 2 yrs - 70 - 70 - - - All 1st 2 yrs - 70 - 70 - - - All 1st 2 yrs - 70 - 70 - - - All 1st 2 yrs - 70 - 70 - - - All
- 5 £2.5M - 5 £2.5M - 5 £2.5M - 5 £2.5M - 5 £2.5M
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
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 -
1st 2 yrs - 60 - 60 60 60 - 1st 2 yrs - 60 - 60 60 60 - 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
refer No HLC. refer No HLC. Holiday Let only. Standard Redemption Conditions: Max Age: Deeds fee £50, Rdm admin fee £100 Individually assessed Non standard conditions:
LTV restrictions apply on some products, refer to
eMoneyfacts.co.uk
1st 2 yrs - 80 - 80 - 80 - All -- 1 £250K 1st 3 yrs - 75 - - - - - All -- 1 £250K
Incentives/Notes
Repayment Charges
(See also Std Redemption Conditions)
Early
Landlord Types
Step Number
Self-c
cert
Offshore Co’s Prof L’lords Ltd Co.
FT Landlords Foreign Nat’s Prop Devrs
P’ships/Trusts Channel Flexible
Overpayments
Max No of Properties
Total Adv BUY-TO-LET MORTGAGES
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