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Home Mortgages


Emma Fellows CeMap is a longstanding employee of Home & Landlord Mortgages with over six years experience in the Financial Services sector. Emma has an extensive portfolio of properties herself and recently appeared on the BBC documentary ‘What makes Britain rich?’ Emma is a fully qualified Mortgage Advisor and is an integral part of the Company and offers advice on a full range of mortgages for your home.

The rates below are only a small selection of the rates that are currently available through Home. Whilst we have tried to highlight the lowest rates, these may not always be the best rate for you. In an ever competitive market lenders are always bringing out new rates and incentives in a bid to gain your business . Each persons situation is different and at Home we will look at your individual needs and help you compare the best products available for you. Other websites may offer fantastic deals which no-one else appears to have but as with most things in life, you don't get something for nothing and it may not be the best option for you. The rates below are correct as at 31st March 2008 however product changes occur daily and rates are withdrawn with little notice.

2 Years Fixed

Product Type: -

2 Years Fixed

Initial Rate of Interest (%): -

5.95

Structure of the Initial Rate (%): -

Fixed until 31/08/2010

Duration of the Initial rate: -

2 Years

Reversionary rate after the initial rate (%): -

Currently 7.00%

Structure of the Reversionary rate (%): -

Standard Variable Rate

The Overall Cost Of Comparison (%): -

7.4% APR

Maximum Potential Loan To Value (%): -

75 LTV

Early Repayment Charge: -

 3% till 01/09/09, 2% till 31/08/10

Incentives: -

Free valuation and free legals subject to terms and conditions on a remortgage

Availability: -

Purchases and Remortgages

Other Features: -

Based on Value of the property

Valuation Fee: -

£995 , can be added upon completion

Lender Arrangement Fee: -

£99 on application and non refundable

Lender Booking Fee: -

None

Higher Lending Charge: -

None

Broker Fee per property: -

Nil

Conditions: -

Loans must start by 31 August 2008

Product Code: -

LMLCNG

 

3 Years Fixed

Product Type: -

3 years Fixed

Initial Rate of Interest (%): -

 5.89%

Structure of the Initial Rate (%): -

 Fixed

Duration of the Initial rate: -

 3 years to 31/08/2011

Reversionary rate after the initial rate (%): -

 7.00%

Structure of the Reversionary rate (%): -

Standard Variable Rate

The Overall Cost Of Comparison (%): -

7.3%

Maximum potential Loan to value

 75%LTV

Early Repayment Charge: -

3% to 01/09/09, 3% to 31/08/09, 2% to 31/08/11

Incentives: -

Free valuation and free legals on a remortgage subject to terms and conditions

Availability: -

Purchase and Remortgage

Valuation Fee: -

Yes, on a Purchase and on properties over £1 million on a remortgage

Lender Arrangement Fee: -

£995

Lender Booking Fee: -

£99 on application and non refundable

Higher Lending Charge: -

 0

Broker Fee per property: -

 0

Conditions : -

Loan must start by 31 August 2008

Product Code: -

 LMLCNG

 

5 Years Fixed

Product Type: -

10 Years Fixed

Initial Rate of Interest (%): -

 5.59%

Structure of the Initial Rate (%): -

Fixed until 31/07/2013

Duration of the Initial rate: -

10 Years

Reversionary rate after the initial rate (%): -

Currently 5.95% for the remainder of the loan

Structure of the Reversionary rate (%): -

BBBR + 0.95%

The Overall Cost Of Comparison (%): -

 5.9% APR

Maximum Potential Loan To Value (%): -

 60% LTV

Early Repayment Charge: -

6% of the balance repaid until 31/07/2018

Incentives: -

Free Legals and valuation on a remortgage

Availability: -

Purchase and Remortgage

Other Features / Conditions: -

-

Valuation Fee: -

 Depends on Value of the property

Lender Arrangement Fee: -

 £995

Lender Booking Fee: -

 0

Higher Lending Charge: -

 0

Broker Fee per property: -

 0

Conditions -

 -

Product Code: -

 LMLWOI

 

2 Year Tracker / Discount

Product Type: -

Lifetime Tracker

Initial Rate of Interest (%): -

 6.25%

Structure of the Initial Rate (%): -

Bank Base + 1.25%

Duration of the Initial rate: -

Lifetime

Reversionary rate after the initial rate (%): -

 N/A

Structure of the Reversionary rate (%): -

N/A

The Overall Cost Of Comparison (%): -

 6.7%

Maximum Potential Loan To Value (%): -

 75% LTV

Early Repayment Charge: -

 4.00% of the balance repaid until 30.06.11

Incentives: -

Free Valuation and legals subject to terms and conditions

Payment holiday option available

Ability to repay up to 5% of balance per annum without incurring early redemption charges.

Availability: -

 Purchases and Remortgages

Other Features / Conditions: -

 None

Valuation Fee: -

 Free up to a value of £650

Lender Arrangement Fee: -

 £800 can be added

Lender Booking Fee: -

£199 paid on application and non refundable

Higher Lending Charge: -

 None

Broker Fee per property: -

 None

Conditions -

-

Product Code: -

 LMLCOV

 

Lifetime Tracker

Product Type: -

Offset Fixed

Initial Rate of Interest (%): -

 6.19%

Structure of the Initial Rate (%): -

 Fixed until 30.06.18

Duration of the Initial rate: -

10 Years

Reversionary rate after the initial rate (%): -

 Privilege Rate currently 6.90%

Structure of the Reversionary rate (%): -

 N/A

The Overall Cost Of Comparison (%): -

 6.8% APR

Maximum Potential Loan To Value (%): -

75% LTV

Early Repayment Charge: -

 4% of the balance repaid until 30/06/18

Incentives: -

 Free legals on a remortgage and free valuation up to £650 for both Purchase and Remortgage

Availability: -

 Purchase and Remortgage

Other Features / Conditions: -

-

Valuation Fee: -

Free up to a value of £650

Lender Arrangement Fee: -

 £800 can be added

Lender Booking Fee: -

 £199 paid on application

Higher Lending Charge: -

 None

Broker Fee per property: -

None

Conditions : -

-

Product Code: -

 LMLWOI

 

10 Year Offset Fixed

Product Type: -

 Offset Fixed

Initial Rate of Interest (%)

 5.99%

Structure of the Initial Rate (%): -

 Fixed

Duration of the Initial rate: -

 10 years until 30/06/2018

Reversionary rate after the initial rate (%): -

 7.03%

Structure of the Reversionary rate (%): -

Privilege Rate

The Overall Cost Of Comparison (%): -

 6.7% APR

Maximum Potential Loan To Value (%): -

 90%

Early Repayment Charge: -

 4% of the balance repaid until 30.06.13

Incentives: -

 Free legals for remortgage and free valuation up to £650

Availability: -

 Purchase and Remortgage

Other Features / Conditions: -