Buy-to-let Mortgages (continued) LTV
Rate %
Term
Dis %
HINCKLEY & RUGBY BS STANDARD CONDITIONS
Lends in: Eng & Wales Min Valn: -
Interest Calculation: Daily 3.54 V
5.64 V HOLMESDALE BS
STANDARD CONDITIONS Lends in: Eng & Wales Min Valn: -
Interest Calculation: Annually 5.89 V HSBC
Term -
STANDARD CONDITIONS Lends in: GB Min Valn: -
Interest Calculation: Daily 3.99 V
4.49 V 3.99 F 4.49 F 5.49 F 5.99 F
Term - Term - 31.5.14 - 31.5.14 - 31.5.17 - 31.5.17 -
IPSWICH BS
STANDARD CONDITIONS Lends in: Eng & Wales Min Valn: -
Interest Calculation: Daily 4.99 V
4.99 V 5.25 F 5.25 F
31.3.14 0.50 - 31.3.14 0.50 - 31.3.14 - 31.3.14 -
- -
KENSINGTON
STANDARD CONDITIONS Lends in: Eng & Wales
Min Valn: £90K Interest Calculation:
No products currently available. LEEDS BS
STANDARD CONDITIONS Lends in: GB & NI Min Valn: £50K
Interest Calculation: Annually 3.99 V
5.99 V 5.99 V 3.99 F 4.39 F 5.99 F 4.19 F 4.59 F 4.79 F 4.99 F 5.49 F
2 yrs 2.00 - Term - Term - 30.4.14 - 30.4.14 - 31.5.14 - 30.4.15 - 30.4.15 - 30.4.15 - 28.2.17 - 28.2.17 -
LEEK UNITED BS
STANDARD CONDITIONS Lends in: Eng & Wales
Min Valn: £100K Interest Calculation: Daily
4.19 V 2 yrs 1.00 - - LEGAL & GENERAL MORTGAGE CLUB 4.40 V
Lends in: GB 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 -
LOUGHBOROUGH BS STANDARD CONDITIONS
Lends in: Eng & Wales Min Valn: -
Interest Calculation: Daily 3.99 V
MANCHESTER BS
STANDARD CONDITIONS Lends in: Eng & Wales
Min Valn: £125K Interest Calculation: Monthly
3.99 V 4.49 V 4.74 F
3 yrs 1.50 - 3 yrs 1.00 - 3 yrs -
-
- - -
5.49 - 65 65 - 30K 250K £495 No HLC. 5.49 - 75 75 - 30K 250K £495 No HLC. 5.49 - 70 70 - 30K 250K £995 No HLC.
1st 3 yrs 65 65 65 65 - 65 65 All 1st 3 yrs 75 75 75 75 - 75 75 All 1st 3 yrs 70 70 70 70 - 70 70 All
- 4- - 4- - 4-
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 29 2 yrs 1.00 - - 2 yrs 1.59 -
LLOYDS TSB SCOTLAND STANDARD CONDITIONS
-
5.19 - 75 75 - 75K - £995 No HLC. Tel: 01226 230504
Standard conditions may vary dependent on funder. Refer to
eMoneyfacts.co.uk. Funded by Leeds BS
5.99 - 70 70 - 25K - £399 Remtg free legal fees, free valn (max £335), no HLC. Direct Submission. Direct Tel: 0800 056 0156 LTV Limits:
www.lloydstsb.com Neg
High Lending Charge: No HLC
Standard Redemption Conditions: Max Age: None
Non standard conditions: 75 at end of mortgage
- BBR+3.79 4.84 - 60 60 60 5K 1M £1094 Remtg free legal fees (advs £25K to £500K), remtg free valn (advs £25K to £500K), no HLC. To 31.3.14 - - - 60 - - - DB - 3 £2M - BBR+4.49 4.84 - 75 75 75 5K 1M £1094 Remtg free legal fees (advs £25K to £500K), remtg free valn (advs £25K to £500K), no HLC. To 31.3.14 - - - 75 - - - DB - 3 £2M 4.84 - 60 60 60 5K 1M £1094 Remtg free legal fees (advs £25K to £500K), remtg free valn (advs £25K to £500K), no HLC. To 31.3.14 - - - 60 - - - DB - 3 £2M 4.84 - 75 75 75 5K 1M £1094 Remtg free legal fees (advs £25K to £500K), remtg free valn (advs £25K to £500K), no HLC. To 31.3.14 - - - 75 - - - DB - 3 £2M
- -
- -
Tel: 01509 631950 LTV Limits: MA
75% to £200K
www.theloughborough.co.uk
High Lending Charge: No HLC
4.99 - 75 75 - 25K - £999 No HLC. Tel: 0161 923 8040 LTV Limits: MA
75% to £350K
High Lending Charge: No HLC
Standard Redemption Conditions: Max Age: Deeds fee £50, sealing fee £90
Non standard conditions: Individually assessed
Lending restrictions apply on some products, refer to
eMoneyfacts.co.uk
1st 2 yrs - 75 - 75 - - 75 DB - 4 £500K
www.mbsbrokers.co.uk
Standard Redemption Conditions: Max Age: Deeds fee £70, sealing fee £195
Non standard conditions: 70 at end of mortgage 1st 2 yrs - 70 - 70 - 70 - I - 4 £1.25M 1st 2 yrs - 75 - 75 - 75 - All
www.landg.com/mortgageclub - 20 -
- - - - - - - - - -
- - - - - - - - - - -
Tel: 0845 234 0672 LTV Limits: MA
80% to £500K
- -
www.leedsintroducer.co.uk
High Lending Charge: No HLC
5.99 - 70 70 - 25K - £1249 No HLC. - 60 60 - 25K - £999 No HLC. - 70 70 - 25K - £1549 No HLC. 5.99 - 65 65 - 25K - £1499 No HLC. 5.99 - 70 70 - 25K - £999 No HLC. 5.99 - 80 80 - 25K - £1299 No HLC. 5.99 - 65 65 - 25K - £1499 No HLC. 5.99 - 70 70 - 25K - £999 No HLC.
5.99 - 65 65 - 25K - £199 Remtg free legal fees, free valn (max £335), no HLC. 5.99 - 70 70 - 25K - £999 No HLC.
5.99 - 70 70 - 25K - £199 Remtg free legal fees, free valn (max £335), no HLC. Tel: 0800 781 6350 LTV Limits: MA
www.leekunited.co.uk 75% to £500K
High Lending Charge: No HLC
Direct Tel: 0845 219 0250
Standard Redemption Conditions: Max Age: Sealing fee £125
Non standard conditions: 65 at end of mortgage Direct Tel: 0845 050 5062
Standard Redemption Conditions: Max Age: Int to e.o.m, Rdm admin fee £134, deeds fee £65
Non standard conditions: 80 at end of mortgage
Std Std
Minimum valuation restrictions apply on some products, refer to
eMoneyfacts.co.uk
1st 2 yrs - 70 - 70 - 70 - All - 60 - 60 - 60 - All - 70 - 70 - 70 - All
To 30.4.14 - 65 - 65 - 65 - All To 30.4.14 - 70 - 70 - 70 - All To 31.5.14 - 80 - 80 - 80 - All To 30.4.15 - 65 - 65 - 65 - All To 30.4.15 - 70 - 70 - 70 - All To 30.4.15 - 65 - 65 - 65 - All To 28.2.17 - 70 - 70 - 70 - All To 28.2.17 - 70 - 70 - 70 - All
- 4 £1.25M - 4 £1.25M - 4 £1.25M - 4 £1.25M - 4 £1.25M - 4 £1.25M - 4 £1.25M - 4 £1.25M - 4 £1.25M - 4 £1.25M - 4 £1.25M
- - - -
- -
2 yrs 2.10 - Term -
-
- -
Tracks %
Revert Rate % FTB STB Remtg Expat % % % %
Tel: 01455 894084 LTV Limits: MA
65% to £300K - Advance Fee
Min £
Max £
www.hrbsintroducer.co.uk
High Lending Charge: No HLC
5.64 - 60 60 - 25K 300K £995 No HLC. - 65 65 - 25K 300K £745 No HLC.
Tel: 01737 245716 LTV Limits: MA
70% to £400K
www.holmesdale.org.uk
High Lending Charge: No HLC
- 70 70 70 - 26K - £495 No HLC. Direct Tel: 0800 494999 LTV Limits: MA
75% to £1M
High Lending Charge: No HLC
- BBR+3.49 - 65 65 65 65 25K - £1499 No HLC. - BBR+3.99 - 75 75 75 75 25K - £1499 No HLC. 5.00 65 65 65 65 25K - £1499 No HLC. 5.00 75 75 75 75 25K - £1499 No HLC. 5.00 65 65 65 65 25K - £1499 No HLC. 5.00 75 75 75 75 25K - £1499 No HLC.
- - - -
- - - -
Tel: 0845 230 9696 LTV Limits: MA
75% to £350K
www.ibs.co.uk
High Lending Charge: No HLC
5.49 - 75 75 - 50K 250K £1149 No HLC. 5.49 - 75 75 - 50K 250K £1149 No HLC. 5.49 - 75 75 - 50K - £1500 No HLC. 5.49 - 75 75 - 50K - £1500 No HLC.
Tel: 0800 111020 LTV Limits: MA
85% to £350K
www.kmc.co.uk
High Lending Charge: No HLC
Standard Redemption Conditions: Max Age: Deeds fee £45, Rdm admin fee £145 75 at end of mortgage Non standard conditions: Direct Tel: 0845 230 8686
Standard Redemption Conditions: Max Age: Discharge fee £95
Non standard conditions: Individually assessed
Lending restrictions apply on some products, refer to
eMoneyfacts.co.uk
To 31.3.14 - 75 - 75 75 - - DB - 4 £500K I
To 31.3.14 - 75 - 75 75 - - To 31.3.14 - 75 - 75 75 - -
To 31.3.14 - 75 - 75 75 - - DB - 4 £500K I
- 4 £500K - 4 £500K
Standard Redemption Conditions: Max Age: 1st 5 yrs: 42/34/26/17/9 days int, sealing fee £50
www.hsbc.co.uk
Standard Redemption Conditions: Max Age: None
Non standard conditions: Individually assessed
No penalty - 65 - 65 65 - - DB - 5 £1M No penalty - 75 - 75 75 - - DB - 5 £1M To 31.5.14 - 65 - 65 65 - - DB - 5 £1M To 31.5.14 - 75 - 75 75 - - DB - 5 £1M To 31.5.17 - 65 - 65 65 - - DB - 5 £1M To 31.5.17 - 75 - 75 75 - - DB - 5 £1M
Non standard conditions: Individually assessed Std - 70 70 70 70 70 70 All -- 5- Direct Tel: 01455 251234
Standard Redemption Conditions: Max Age: Sealing fee £150
Non standard conditions: 65 at end of mortgage
No penalty - 60 - 60 - 60 - All No penalty - 65 - 65 - 65 - All
- 4- - 4-
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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