Buy-to-let Mortgages (continued) LTV
Rate %
Term
Dis %
CUMBERLAND BS STANDARD CONDITIONS
Min Valn: £70K Interest Calculation: Daily
3.79 V 3.99 V 4.29 F 4.49 F
3 yrs - 3 yrs - 1.4.15 - 1.4.15 -
DARLINGTON BS
STANDARD CONDITIONS Lends in: Eng & Wales
Min Valn: £100K Interest Calculation: Daily
3.99 V 3.99 V
31.5.15 1.96 - 31.5.15 1.96 -
Lends in: Eng
Min Valn: £200K Interest Calculation:
6.99 F 8.99 F 6.99 F 7.99 F 8.99 F 9.99 F
2 yrs - 2 yrs - 3 yrs - 3 yrs - 3 yrs - 3 yrs -
DUDLEY BS
STANDARD CONDITIONS Lends in: Eng & Wales Min Valn: £70K
Interest Calculation: Monthly 4.99 V
4.99 V
3 yrs 0.50 - 3 yrs 0.50 -
EARL SHILTON BS STANDARD CONDITIONS
Lends in: Eng & Wales Min Valn: -
Interest Calculation: Daily 5.19 V
Term - ECOLOGY BS
STANDARD CONDITIONS Lends in: GB & NI
Min Valn: £25K Interest Calculation: Daily
5.15 V Term - FURNESS BS
STANDARD CONDITIONS Lends in: GB Min Valn: -
Interest Calculation: Monthly 5.30 F
31.8.16 -
GODIVA MORTGAGES 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
HALIFAX
STANDARD CONDITIONS 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 -
HARPENDEN BS
STANDARD CONDITIONS Lends in: Eng & Wales Min Valn: £150K
Interest Calculation: Products offered to meet applicants individual circumstances 28
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 -
- - - - - 70 70 -
Tel: 0800 220568 LTV Limits: MA
70% to £500K - 15K - £350 No HLC. Short Tenancy only.
www.furnessbs.co.uk/intermediaries.aspx
High Lending Charge: No HLC
Standard Redemption Conditions: Max Age: Deeds fee £40, sealing fee £50
Non standard conditions: 75 at end of mortgage
5.44 - 70 70 - 50K - £999 Remtg free valn (max £335), remtg £150 towards legal fees or Eng & Wales remtg free legal fees, no HLC.
Tel: 0845 757 3612 LTV Limits: MA
www.thecoventry.co.uk/intermediaries 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.
Direct Tel: 0845 850 3705 LTV Limits: MA
75% to £1M
www.halifax.co.uk/mortgages
High Lending Charge: No HLC
Standard Redemption Conditions: Max Age: None
- BBR+3.79 4.84 - 60 60 - 25005 - £1240 Remtg free legal fees, remtg free valn, no HLC. - BBR+4.49 4.84 - 75 75 - 25005 - £1240 Remtg free legal fees, remtg free valn, no HLC. 4.84 - 60 60 - 25005 - £1240 Remtg free legal fees, remtg free valn, no HLC. 4.84 - 75 75 - 25005 - £1240 Remtg free legal fees, remtg free valn, no HLC.
- -
- -
Tel: 01582 765411 LTV Limits: P
60% to £500K
www.harpendenbs.co.uk
High Lending Charge: No HLC
Standard Redemption Conditions: Max Age: 1st yr: 3 mths int, 1st 2 yrs: 2 mths int, 1st 3 yrs: 1 mth int, deeds fee £50, discharge fee £75
Non standard conditions: Individually assessed 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
Non standard conditions: 75 at end of mortgage
To 31.3.14 - 65 - 65 - 65 - To 31.3.14 - 65 - 65 - 65 - No penalty - 65 - 65 - 65 - No penalty - 65 - 65 - 65 - To 31.3.14 - 65 - 65 - 65 - No penalty - 65 - 65 - 65 - No penalty - 65 - 65 - 65 - No penalty - 65 - 65 - 65 - No penalty - 65 - 65 - 65 - To 31.3.17 - 65 - 65 - 65 - To 31.3.17 - 65 - 65 - 65 - No penalty - 75 - 75 - 75 - No penalty - 75 - 75 - 75 - No penalty - 65 - 65 - 65 -
I I I I I I I I I I I I I I
- 3 £1M - 3 £1M - 3 £1M - 3 £1M - 3 £1M - 3 £1M - 3 £1M - 3 £1M - 3 £1M - 3 £1M - 3 £1M - 3 £1M - 3 £1M - 3 £1M
To 31.8.16 - 70 - - - - - All - 5 £1M Std - - - 70 70 - - All - 4 £2.4M - -
- -
- - - - - -
- - - - - -
- - - - - -
- 70 70 70 50K - - 70 70 70 50K - - 70 70 70 50K -
- 70 70 70 50K -
Tel: 01384 231414 LTV Limits: MA
70% to £500K
refer No HLC. 2% deferred option. refer No HLC.
refer No HLC. 2% deferred option.
- 70 70 70 50K 10M refer No HLC. HMO. refer No HLC.
- 70 70 70 50K 10M refer No HLC. HMO.
www.dudleybuildingsociety.co.uk
High Lending Charge: No HLC
5.49 70 70 70 - 25K - £999 No HLC. 5.49 70 70 70 - 35K - £999 No HLC.
Tel: 01455 844422 LTV Limits:
Neg
www.esbs.co.uk
High Lending Charge: No HLC
- 70 70 70 - 20K 250K £499 No HLC. Tel: 0845 674 5566 LTV Limits: MA
70% to £500K
High Lending Charge: No HLC
Standard Redemption Conditions: Max Age: Deeds fee £50, sealing fee £100
Non standard conditions: 70 at end of mortgage 1st 2 yrs - 70 - 70 70 70 70 All
www.ecology.co.uk
Standard Redemption Conditions: Max Age: 1st 4 yrs: 3 mths int
Non standard conditions: Individually assessed - Any £500K Standard Redemption Conditions: Max Age:
Discharge fee £125, Rdm statement fee 65 at end of mortgage £50
Non standard conditions:
Minimum valuation restrictions apply on some products refer to
eMoneyfacts.co.uk. Lending restrictions apply, refer to
eMoneyfacts.co.uk
No penalty - 70 - 70 - - - I - Any £1M No penalty - 70 - 70 - - - DB - Any £1M
1st 2 yrs 70 70 70 70 70 70 70 1st 2 yrs 70 70 70 70 70 70 70 1st 3 yrs 70 70 70 70 70 70 70 1st 3 yrs 70 70 70 70 70 70 70 1st 3 yrs 70 70 70 70 70 70 70 1st 3 yrs 70 70 70 70 70 70 70
I -- Any £25M I -- Any £25M I -- Any £25M I -- Any £25M I -- Any £25M I -- Any £25M
- -
DRAGONFLY PROPERTY FINANCE STANDARD CONDITIONS
5.95 60 60 60 - 30K - £774 No HLC. 5.95 70 70 70 - 30K - £774 No HLC.
Tel: 0800 294 6850
LTV Limits: MA 70% to £15M
www.dragonflyfinance.com
High Lending Charge: No HLC
Standard Redemption Conditions: Max Age: None
Non standard conditions: 65 at start of mortgage
To 31.5.15 - - - 60 - - - All To 31.5.15 - - - 70 - - - All
- 3 £300K - 3 £300K
- BBR+3.29 5.40 60 60 60 - 30K 500K £995 No HLC. - BBR+3.49 5.40 70 70 70 - 30K 500K £995 No HLC. 5.40 60 60 60 - 30K - £995 No HLC. 5.40 70 70 70 - 30K - £995 No HLC.
- -
- -
Tel: 01325 366366 LTV Limits: MA
70% to £300K
www.darlington.co.uk
High Lending Charge: No HLC
Standard Redemption Conditions: Max Age: Deeds fee £40, Rdm admin fee £60 Individually assessed Non standard conditions:
1st 3 yrs - 60 - 60 60 60 - DB - 4 £1M 1st 3 yrs - 70 - 70 70 70 - DB - 4 £1M To 1.4.15 - 60 - 60 60 60 - DB - 4 £1M To 1.4.15 - 70 - 70 70 70 - DB - 4 £1M
Tracks %
Revert Rate % FTB STB Remtg Expat % % % %
Advance Fee
Min £
Direct Tel: 01228 403135 LTV Limits: MA
Lends in: Restricted lending area applies 70% to £750K
Max £
www.cumberland.co.uk
High Lending Charge: No HLC
Standard Redemption Conditions: Max Age: Rdm admin fee £110, deeds fee £40 Individually assessed Non standard conditions: Incentives/Notes
Repayment Charges
(See also Std Redemption Conditions)
Early
Landlord Types
READERS ARE REMINDED THAT BUSINESS MONEYFACTS IS COPYRIGHT
March 2012
BUY-TO-LET MORTGAGES Step Number
Self-c
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 |
Page 27 |
Page 28 |
Page 29 |
Page 30 |
Page 31 |
Page 32 |
Page 33 |
Page 34 |
Page 35 |
Page 36 |
Page 37 |
Page 38 |
Page 39 |
Page 40 |
Page 41 |
Page 42 |
Page 43 |
Page 44 |
Page 45 |
Page 46 |
Page 47 |
Page 48 |
Page 49 |
Page 50 |
Page 51 |
Page 52 |
Page 53 |
Page 54 |
Page 55 |
Page 56 |
Page 57 |
Page 58 |
Page 59 |
Page 60 |
Page 61 |
Page 62 |
Page 63 |
Page 64 |
Page 65 |
Page 66 |
Page 67 |
Page 68 |
Page 69 |
Page 70 |
Page 71 |
Page 72 |
Page 73 |
Page 74 |
Page 75 |
Page 76 |
Page 77 |
Page 78 |
Page 79 |
Page 80 |
Page 81 |
Page 82 |
Page 83 |
Page 84 |
Page 85 |
Page 86 |
Page 87 |
Page 88 |
Page 89 |
Page 90 |
Page 91 |
Page 92 |
Page 93 |
Page 94 |
Page 95 |
Page 96 |
Page 97 |
Page 98 |
Page 99 |
Page 100 |
Page 101 |
Page 102 |
Page 103 |
Page 104 |
Page 105 |
Page 106 |
Page 107 |
Page 108 |
Page 109 |
Page 110 |
Page 111 |
Page 112 |
Page 113 |
Page 114 |
Page 115 |
Page 116 |
Page 117 |
Page 118 |
Page 119 |
Page 120 |
Page 121 |
Page 122 |
Page 123 |
Page 124