Home Mortgages
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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.
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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and rates are withdrawn with little notice.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 Tracker
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Product
Type: -
|
Tracker
|
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Initial
Rate of Interest (%): -
|
5.69%
|
|
Structure
of the Initial Rate (%): -
|
Bank
Base Rate plus 0.69%
|
|
Duration
of the Initial rate: -
|
2
years
|
|
Reversionary
rate after the initial rate (%): -
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7.09%
|
|
Structure
of the Reversionary rate (%): -
|
Lenders
Standard Variable Rate
|
|
The
Overall Cost Of Comparison (%): -
|
7.1%
APR
|
|
Maximum
Potential Loan To Value (%): -
|
60%
LTV
|
|
Early
Repayment Charge: -
|
2%
of outstanding balanace until 2nd anniversary of
completion
|
|
Incentives:
-
|
Free
Legals and Free Valuation
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|
Availability:
-
|
Remortgage
Only
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|
Other
Features: -
|
|
|
Valuation
Fee: -
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0
|
|
Lender
Arrangement Fee: -
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£1849
can be added
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|
Lender
Booking Fee: -
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£150
upfront and non-refundable
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|
Higher
Lending Charge: -
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0
|
|
Broker
Fee per property: -
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0
|
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Conditions:
-
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Completion
deadline 31.10.2008. Maximum loan £550,000
|
|
Product
Code: -
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LMLABB
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2
Years Tracker
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Product
Type: -
|
Tracker
|
|
Initial
Rate of Interest (%): -
|
5.79%
|
|
Structure
of the Initial Rate (%): -
|
Bank
Base Rate plus 0.79%
|
|
Duration
of the Initial rate: -
|
2
years
|
|
Reversionary
rate after the initial rate (%): -
|
7.09%
|
|
Structure
of the Reversionary rate (%): -
|
Lenders
Standard Variable Rate
|
|
The
Overall Cost Of Comparison (%): -
|
7.1%
APR
|
|
Maximum
Potential Loan To Value (%): -
|
75%
LTV
|
|
Early
Repayment Charge: -
|
2%
of outstanding balance until 2nd anniversary of
completion
|
|
Incentives:
-
|
Free
legals and Free Valuation
|
|
Availability:
-
|
Remortgage
Only
|
|
Other
Features: -
|
|
|
Valuation
Fee: -
|
0
|
|
Lender
Arrangement Fee: -
|
£1849
can be added
|
|
Lender
Booking Fee: -
|
£150
upfront and non-refundable
|
|
Higher
Lending Charge: -
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0
|
|
Broker
Fee per property: -
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0
|
|
Conditions:
-
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Completion
deadline 31.10.2008.
Maximum
loan £550,000
|
|
Product
Code: -
|
LMLABB
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3
Years Fixed Rate
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Product
Type: -
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Fixed
|
|
Initial
Rate of Interest (%): -
|
6.44%
|
|
Structure
of the Initial Rate (%): -
|
Fixed
|
|
Duration
of the Initial rate: -
|
3
years until 31/07/2011
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|
Reversionary
rate after the initial rate (%): -
|
7.00%
|
|
Structure
of the Reversionary rate (%): -
|
Lenders
Standard Variable Rate
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|
The
Overall Cost Of Comparison (%): -
|
7.2%
APR on Purchase and 7.1% on Remortgage
|
|
Maximum
Potential Loan To Value (%):
|
75%
LTV
|
|
Early
Repayment Charge: -
|
3%
to 31/07/2009, 2% to 31/07/2011
|
|
Incentives:
-
|
Free
Valuation and Free Legals
|
|
Availability:
-
|
Purchase
and Remortgage
|
|
Other
Features: -
|
Based
on affordability
|
|
Valuation
Fee: -
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Scale
depending on value of the property
|
|
Lender
Arrangement Fee: -
|
£999
|
|
Lender
Booking Fee: -
|
0
|
|
Higher
Lending Charge: -
|
0
|
|
Broker
Fee per property: -
|
0
|
|
Conditions:
-
|
Complete
by 31/10/2008. Maximum loan £500,000.
|
|
Product
Code: -
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LMLHLX
|
5
Lifetime Tracker
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Product
Type: -
|
Fixed
|
|
Initial
Rate of Interest (%): -
|
6.49%
|
|
Structure
of the Initial Rate (%): -
|
Fixed
|
|
Duration
of the Initial rate: -
|
5
years until31/07/2013
|
|
Reversionary
rate after the initial rate (%): -
|
7.00%
|
|
Structure
of the Reversionary rate (%): -
|
Lenders
Standard Variable Rate
|
|
The
Overall Cost Of Comparison (%): -
|
7.2%
APR on Purchase, 7.1% APR on Remortgage
|
|
Maximum
Potential Loan To Value (%): -
|
75%
LTV
|
|
Early
Repayment Charge: -
|
5%
to 31/07/2009, 4% to 31/07/2010, 3% to 31/07/2013
|
|
Incentives:
-
|
Free
Valuation and Free Legals on a remortgage only
|
|
Availability:
-
|
Purchase
and Remortgage
|
|
Other
Features: -
|
Based
on affordability
|
|
Valuation
Fee: -
|
Scale
depending on value of property
|
|
Lender
Arrangement Fee: -
|
£999
can be added
|
|
Lender
Booking Fee: -
|
0
|
|
Higher
Lending Charge: -
|
0
|
|
Broker
Fee per property: -
|
0
|
|
Conditions:
-
|
Complete
by 31/10/2008. Maximum loan £500,000.
|
|
Product
Code: -
|
LMLHLX
|
10 Years Fixed
|
Product
Type: -
|
Fixed
|
|
Initial
Rate of Interest (%): -
|
6.24%
|
|
Structure
of the Initial Rate (%): -
|
Fixed
|
|
Duration
of the Initial rate: -
|
10
Years
|
|
Reversionary
rate after the initial rate (%): -
|
7.09%
|
|
Structure
of the Reversionary rate (%): -
|
Lenders
Standard Variable Rate
|
|
The
Overall Cost Of Comparison (%): -
|
6.6%
APR
|
|
Maximum
Potential Loan To Value (%): -
|
75%
LTV
|
|
Early
Repayment Charge: -
|
6%
of outstanding balance until 02/10/2018
|
|
Incentives:
-
|
Free
valuation and free legals on a remortgage
|
|
Availability:
-
|
Purchase
and Remortgage
|
|
Other
Features: -
|
|
|
Valuation
Fee: -
|
Scale
depending on value of property
|
|
Lender
Arrangement Fee: -
|
£849
can be added
|
|
Lender
Booking Fee: -
|
£150
upfront and non-refundable
|
|
Higher
Lending Charge: -
|
0
|
|
Broker
Fee per property: -
|
0
|
|
Conditions:
-
|
Completion
Deadline 31/12/2008. Maximum loan £2 million
|
|
Product
Code: -
|
LMLABB
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ALL RATES CHANGING
Whilst Landlord Mortgages endeavours to show you the best rates available , please be aware that the rates shown above may not be available due to the current market where many lenders are currently withdrawing all their rates at short notice.
Many good products are still available although we can’t guarantee for how long and if you would like a quote then please phone our dedicated residential help line on 0118 3774541 and we will be pleased to help you.
New rates will be put back on the system as soon as possible.
Landlord Mortgages and Home are trading names of Landlord Mortgages Ltd who are
authorised and regulated by the Financial Services Authority. Your home may be repossessed
if you do not keep up repayments on your mortgage.
The actual rate will depend upon your circumstances. Please ask for a Key Facts
Illustration
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