Buy-to-let Mortgages (continued) LTV
Rate %
Term
Dis %
RBS INTERNATIONAL STANDARD CONDITIONS
Lends in: GB & NI Min Valn: £62.5K
4.68 V 4.88 V 5.38 V 5.47 F 5.49 F
Interest Calculation: Daily 4.18 V
31.1.14 - 31.1.14 - 31.1.14 - 31.1.14 - 31.1.14 - 31.1.14 -
Lends in: GB
3.89 V 4.39 F
Min Valn: £50K Interest Calculation: Daily
31.3.14 - 31.3.14 -
SAFFRON BS
STANDARD CONDITIONS Lends in: Eng & Wales Min Valn: -
30.4.15 - SCOTTISH BS
STANDARD CONDITIONS Lends in: Scotland Min Valn: £50K
Interest Calculation: Monthly 4.79 V
3 yrs 0.50 - SHEPSHED BS STANDARD CONDITIONS
Interest Calculation: Daily 4.10 V
SKIPTON BS
STANDARD CONDITIONS Lends in: GB & NI
3.79 V 3.99 V 3.89 F 4.09 F 4.29 F 4.29 F 4.59 F 4.89 F
2 yrs - 2 yrs - 30.4.14 - 30.4.14 - 30.4.14 - 30.4.15 - 30.4.17 - 30.4.17 -
Min Valn: £50K Interest Calculation: Daily
- - - - - -
- - - - - -
Interest Calculation: Daily 4.59 F
- -
Tracks %
Revert Rate % FTB STB Remtg Expat % % % %
Tel: 01481 702574 LTV Limits:
Neg Advance Fee
Min £
Max £
www.rbsint.com
High Lending Charge: No HLC
- -
- BBR+3.68 4.00 - - - 60 100K - 1.00% No HLC. - BBR+4.18 4.00 - 70 70 - 100K - 1.00% No HLC. - BBR+4.38 4.00 - - - 70 100K - 1.00% No HLC. - BBR+4.88 4.00 - 75 75 - 100K - 1.00% No HLC. 4.00 - - - 70 100K - 1.00% No HLC. 4.00 - 75 75 - 100K - 1.00% No HLC.
- -
ROYAL BANK OF SCOTLAND MORTGAGES DIRECT STANDARD CONDITIONS
LTV Limits: MA 75% to £500K
Direct Tel: 0800 056 0567 High Lending Charge:
No HLC
www.rbs.co.uk
Standard Redemption Conditions: Max Age: None
- LBR+3.39 4.00 75 75 75 - 25K - £1999 Remtg free legal fees, remtg free valn, no HLC. 4.00 75 75 75 - 25K - £1999 Remtg free legal fees, remtg free valn, no HLC.
75% to £500K - -
Tel: 01799 522211 LTV Limits: MA
www.saffronbs.co.uk
High Lending Charge: No HLC
Direct Tel: 0800 072 1100
Standard Redemption Conditions: Max Age: Deeds fee £50, sealing fee £80
5.39 - 75 75 - 50K - 2.50% Remtg free legal fees, remtg refund valn (max £500), no HLC. Tel: 0131 313 7700 LTV Limits: MA
www.scottishbldgsoc.co.uk 75% to £250K - 5.29 - 75 75 75 -
Lends in: England (excl M25) & Wales 70% to £250K Min Valn: £70K
3 yrs 1.89 - -
Tel: 01509 822000 LTV Limits: MA
5.99 70 70 70 - Tel: 0800 707 6009 LTV Limits: MA
70% to £500K -
High Lending Charge: No HLC
Standard Redemption Conditions: Max Age: Int to e.o.m, Rdm admin fee £50, deeds fee £50
70 at end of mortgage Non standard conditions:
- £699 Remtg, EXPREM refund valn, remtg, EXPREM free legal fees or remtg, EXPREM £150 towards 1st 3 yrs - - - 75 - - - All 3 £500K legal fees, no HLC.
www.theshepshed.co.uk
High Lending Charge: No HLC
- £999 No HLC.
www.skipton-intermediaries.co.uk
High Lending Charge: No HLC
Direct Tel: 0845 717 1777
Standard Redemption Conditions: Max Age: Int to e.o.m, Rdm admin fee £125
- BBR+3.29 4.95 - 60 60 - 25K - £1240 Remtg free legal fees, remtg free valn, no HLC. - BBR+3.49 4.95 - 70 70 - 25K - £1240 Remtg free legal fees, remtg free valn, no HLC. 4.95 - 70 70 - 25K - £2495 Remtg free legal fees, remtg free valn, no HLC. 4.95 - 60 60 - 25K - £1240 Remtg free legal fees, remtg free valn, no HLC. 4.95 - 70 70 - 25K - £995 Remtg free legal fees, remtg free valn, no HLC. 4.95 - 70 70 - 25K - £1295 Remtg free legal fees, remtg free valn, no HLC. 4.95 - 70 70 - 25K - £2495 Remtg free legal fees, remtg free valn, no HLC. 4.95 - 70 70 - 25K - 2.00% Remtg free legal fees, remtg free valn, no HLC.
STAFFORD RAILWAY BS STANDARD CONDITIONS
Interest Calculation: Daily 4.50 V
Term - TEACHERS BS
STANDARD CONDITIONS Lends in: GB Min Valn: -
Interest Calculation: Daily 3.99 V
Lends in: GB
3.49 V 3.94 V 3.49 V 3.99 V 3.49 F 3.74 F 3.89 F 4.04 F 4.14 F 4.14 F 4.49 F 4.49 F 3.89 F 4.19 F 4.39 F 4.84 F 4.84 F 4.84 F 4.99 F 5.14 F
Min Valn: £50K -
Lends in: Restricted lending area applies 75% to £500K Min Valn: -
-
Tel: 0845 456 1001 LTV Limits: P
www.srbs.co.uk
High Lending Charge: No HLC
- 75 75 75 75 5K - Direct Tel: 01202 843500 LTV Limits:
Neg 2 yrs 1.75 -
THE MORTGAGE WORKS STANDARD CONDITIONS
Interest Calculation: Monthly 2.94 V
31.3.13 - 31.3.13 - 31.3.13 - 31.3.14 - 31.3.14 - 31.3.13 - 31.3.13 - 31.3.13 - 31.3.13 - 31.3.13 - 31.3.13 - 31.3.13 - 31.3.13 - 31.3.14 - 31.3.14 - 31.3.14 - 31.3.14 - 31.3.14 - 31.3.14 - 31.3.14 - 31.3.14 -
- - No HLC.
www.teachersbs.co.uk
High Lending Charge: No HLC
5.74 75 75 75 - 25K - £1499 No HLC. Teachers only. Tel: 0845 601 0763 LTV Limits: MA
80% to £350K, 65% to £1M No HLC 50% to £1.5M
High Lending Charge: - BBR+2.44 4.99 - 65 65 - 25001 - 3.50% No HLC.
Deeds fee £25, sealing fee £15, Rdm 65 at end of mortgage admin fee £35, Rdm statement fee £15
Standard Redemption Conditions: Max Age:
www.themortgageworks.co.uk Direct Tel: 0845 454 5900
Standard Redemption Conditions: Max Age: Rdm admin fee £145
90 at end of mortgage
Lending & LTV restrictions apply on some products refer to
eMoneyfacts.co.uk. Selected products also for foreign nationals - refer to lender
Non standard conditions:
- - - - - - - - - - - - - - - -
- BBR+2.99 4.99 - - 65 - 25001 325K refer Eng & Wales free legal fees (max £500K valn), Eng & Wales free valn (max £615), no HLC. To 31.3.13 - 65 - - 65 - - IW,DT - Any Refer - BBR+3.44 4.99 - 65 65 - 25001 - 2.50% No HLC. - BBR+2.99 4.99 - 65 65 - 25001 - 3.50% No HLC. - BBR+3.49 4.99 - 65 65 - 25001 - 2.50% No HLC. 4.99 - 75 75 - 25001 - 3.50% No HLC.
To 31.3.13 - 65 - 65 65 - - IW,DT - Any Refer To 31.3.13 - 65 - 65 65 - - IW,DT - Any Refer
- - - - - - - - - - - - - - - -
To 31.3.14 - 65 - 65 65 - - IW,DT - Any Refer To 31.3.14 - 65 - 65 65 - - IW,DT - Any Refer To 31.3.13 - 75 - 65 75 - - IW,DT - Any Refer
4.99 - - 65 - 25001 325K refer Eng & Wales free legal fees (max £500K valn), Eng & Wales free valn (max £615), no HLC. To 31.3.13 - 65 - - 65 - - IW,DT - Any Refer 4.99 - 75 75 - 25001 350K refer Eng & Wales free valn (max £615), no HLC.
4.99 - - 75 - 25001 350K refer Eng & Wales free legal fees (max £500K valn), Eng & Wales free valn (max £615), no HLC. To 31.3.13 - 75 - - 75 - - IW,DT - Any Refer refer £350 rebate, no HLC.
4.99 - 75 - 4.99 - 75 -
- 25001 -
5.19 - 65 65 - 25001 - 3.50% No HLC. HMO. 4.99 - 75 75 - 25001 - 2.50% No HLC. 4.99 - 65 65 - 25001 - 3.50% No HLC.
4.99 - 75 - 4.99 - 75 -
- 25001 350K refer Eng & Wales free legal fees (max £500K valn), Eng & Wales free valn (max £615), no HLC. To 31.3.13 - 75 - 65 75 - - IW,DT - Any Refer To 31.3.13 - 65 - - - - - All
To 31.3.13 - 75 - 65 75 - - IW,DT - Any Refer To 31.3.13 - 75 - 65 75 - - IW,DT - Any Refer - Any Refer
To 31.3.13 - 75 - 65 75 - - IW,DT - Any Refer To 31.3.14 - 65 - 65 65 - - IW,DT - Any Refer
4.99 - - 65 - 25001 325K refer Eng & Wales free legal fees (max £500K valn), Eng & Wales free valn (max £615), no HLC. To 31.3.14 - 65 - - 65 - - IW,DT - Any Refer 4.99 - 65 65 - 25001 - 2.50% No HLC.
To 31.3.14 - 65 - 65 65 - - IW,DT - Any Refer
4.99 - - 75 - 25001 350K refer Eng & Wales free legal fees (max £500K valn), Eng & Wales free valn (max £615), no HLC. To 31.3.14 - 75 - - 75 - - IW,DT - Any Refer - 25001 350K refer Eng & Wales free legal fees (max £500K valn), Eng & Wales free valn (max £615), no HLC. To 31.3.14 - 75 - 65 75 - - IW,DT - Any Refer refer £350 rebate, no HLC.
- 25001 -
4.99 - 75 75 - 25001 - 2.50% No HLC. 4.99 - 75 -
To 31.3.14 - 75 - 65 75 - - IW,DT - Any Refer To 31.3.14 - 75 - 65 75 - - IW,DT - Any Refer
- 25001 350K refer Eng & Wales free legal fees (max £500K valn), Eng & Wales free valn (max £615), no HLC. To 31.3.14 - 75 - 75 - - - IW,DT - Any Refer
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)
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.
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 33 Non standard conditions: 1st 2 yrs - - - 75 - - - SI,DB - Any -
Standard Redemption Conditions: Max Age: None
Individually assessed Lending restrictions apply, refer to
eMoneyfacts.co.uk Non standard conditions: No penalty - 75 - 75 - - - DB Any £750K 75 at end of mortgage Non standard conditions:
1st 2 yrs - 60 - 60 - - - All 1st 2 yrs - 70 - 70 - - - All To 30.4.14 - 70 - 70 - - - All To 30.4.14 - 60 - 60 - - - All To 30.4.14 - 70 - 70 - - - All To 30.4.15 - 70 - 70 - - - All To 30.4.17 - 70 - 70 - - - All To 30.4.17 - 70 - 70 - - - All
- 5 £1M - 5 £1M - 5 £1M - 5 £1M - 5 £1M - 5 £1M - 5 £1M - 5 £1M
Deeds fee £50, sealing fee £65, Rdm Individually assessed statement fee £75
Standard Redemption Conditions: Max Age: Non standard conditions: No penalty - 70 70 70 - 70 70 All - 1 £250K 65 at end of mortgage
Lending restrictions apply on some products refer to
eMoneyfacts.co.uk
Non standard conditions: To 30.4.15 - 75 - 75 75 75 - All - 10 £1.5M 70 at end of mortgage Non standard conditions:
To 31.3.14 - - - 75 75 - - DB - 10 £3.5M To 31.3.14 - - - 75 75 - - DB - 10 £3.5M
Standard Redemption Conditions: Max Age: None
65 at end of mortgage
Lending restrictions apply on some products, refer to
eMoneyfacts.co.uk
Non standard conditions:
To 31.1.14 60 60 60 60 60 60 60 All -- 10 - To 31.1.14 70 70 70 70 - 70 70 All -- 10 - To 31.1.14 70 70 70 70 70 70 70 All -- 10 - To 31.1.14 75 75 75 75 - 75 75 All -- 10 - To 31.1.14 70 70 70 70 70 70 70 All -- 10 - To 31.1.14 75 75 75 75 - 75 75 All -- 10 -
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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