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 The rates below are correct as at 31st March 2008 however product changes occur daily and rates are withdrawn with little notice.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: -