This month's offers

A selection of the mortgages we have available are shown below. For more information please call 020 3040 4400

INNOVATIVE PRODUCT – TRACK WHILST FIXING FOR THE FUTURE

2 year tracker (from 1.99% above BOE base rate) followed by 3 year fixed rate (from 3.59%) – INTERMEDIARY EXCLUSIVE

Take advantage of the anticipated low base rate for a couple of years whilst purchasing the certainty of a fixed rate for years 3 to 5 priced at today’s competitive rates.
The overall cost for comparison is 5.0% APR (to 75%) or 5.4% APR (to 85%)

• 75% Loan to value – Bank of England base rate plus 1.99% to 31^st March 2014 then fixed at 3.59% to 31^st March 2017 
• 85% Loan to value - Bank of England base rate plus 2.99% to 31^st March 2014 then fixed at 4.69% to 31^st March 2017 
• Lender fees of £1,995 (£95 payable on application) –these fees are doubled for loans above £750k 
• Early repayment charges of 5% to 31/03/15 reducing to 4% to 31/03/2016 and to 3% to 31/03/2017 
• Available for purchase and remortgage 
• Maximum loan £1,500,000 

FIVE YEAR FIXED - 3.89% with no early repayment charges at any time

3.89% fixed until 31^st March 2017 reverting to the lenders standard variable rate (currently 4.49%).　The overall cost for comparison is 4.4% APR.

• Available up to 65% LTV - 4.69% fixed to 75% LTV 
• Lender fees of £999 (£199 on application) 
• No early repayment charges at any time 
• For purchase and remortgage (remortgage package available) 
• Maximum loan £500,000 

LARGE LOANS - 2.19% two year tracker with no early repayment charges

1.69% above BOE base rate to 31^st March 2014 reverting to the lenders standard variable rate for term.　The overall cost for comparison is 4.0% APR.

• Available up to 60% Loan to Value 
• Lender fees of £1,499 
• No early repayment charges at any time 
• Available for purchase and remortgage 
• Bank account required 
• No Maximum Loan

HIGHER LTV - 3 year fixed rate to 90% LTV – LOW FEES OPTION

5.39% fixed for three years from completion reverting to the lenders standard variable rate (currently 3.99%).　The overall cost for comparison is 4.5% APR.

• Available up to 90% Loan to Value 
• Capital and interest repayment only 
• Lender fees of £999 (£99 payable on application) 
• No higher lending fee payable 
• Early repayment charges of 4% for three years 
• Maximum loan £500,000 

BUY TO LET – 3.49% tracker to 31^st December 2013 – LOW FEES OPTION

2.99% above BOE base rate (capped at 4.49%) until 31^st December 2013 reverting to the lenders　standard variable rate (currently 4.74%).　 The overall cost for comparison is 4.7% APR.

• Available to 65% loan to value 
• Lender fee of £1,249 (£999 can be added to loan) 
• No early repayment charges at any time 
• Rental coverage of 125% interest at pay rate 
• Available for purchases and remortgages 
• Available for loans　up to £1,000,000 

For more information please call 020 3040 4400

These rates were prepared on 11 January 2012 and have been selected giving consideration to factors such as rate of interest charged and quality of lenders administration. Rates may be subject to change and terms are dependent upon individual circumstances. Broker fees of up to 1.25% may be charged. Authorised and regulated by the Financial Services Authority.The FSA do not regulate some forms of mortgage.