| Application Criteria | ||||
| Permanent UK Resident | yes | This product is only available to individuals who are permanent UK residents. | ||
| Existing Customers Only | no | This mortgage is not just available to existing customers | ||
| Existing Borrowers Only | no | This mortgage is not just available to existing borrowers. | ||
| Remortgage Only | no | This is not just available for remortgages. | ||
| First Time Buyers Only | no | This mortgage is not just available to first time buyers. | ||
| Available Via a Broker Only | no | Available direct. | ||
| Minimum Deposit | 40% | 40% | ||
| Available Direct | yes | This product is available direct from the provider. | ||
| Rates | ||||
| Initial Rate APR | 4.29% | 4.29% | ||
| Initial Rate End Date | 31 Jul 2012 | 31 Oct 2011 | ||
| Final Rate | 2.5% | The standard variable rate is 2.50% | ||
| Mortgage APR | 2.8% | 2.9% | ||
| Fixed Rate End Date | 31 Jul 2012 | Fixed interest rate until 31/07/2012 | ||
| Initial Rate Term | 24 months | 24 months. | ||
| Frequency of Interest Calculations | daily | Interest is calculated daily | ||
| Tie-in Period After Rate | 0 years | No tie-in period. | ||
| Suitability | ||||
| Mortgage Type | Fixed Rate | Fixed Rate | ||
| Repayment Mortgage | yes | Yes | ||
| Interest Only Mortgage | no | No | ||
| Endowment Mortgage | yes | Yes | ||
| Max LTV | 60% | The maximum loan to value is 60%. | ||
| Maximum Loan | £1,000,000 | The maximum loan is £1000000 | ||
| House Purchase Max LTV | 60% | The maximum loan to value for house purchase is 60% LTV 60% to £1,000,000 | ||
| Remortgage | no | This product is not available for remortgages. | ||
| First Time Buyers | yes | This product is available to first time buyers. | ||
| First Time Buyer Max LTV | 60% | The maximum loan to value for first time buyers is 60% LTV 60% to £1,000,000 | ||
| Existing Borrowers Moving Home | yes | This product is available to existing borrowers moving home. | ||
| Existing Borrowers Not Moving Home | yes | This product is available to existing borrowers not moving home. | ||
| Homemover | yes | This product is available to homemovers. | ||
| Shared Ownership | no | This product is not available for shared ownership. | ||
| Shared Equity | no | This product is not available for shared Equity. | ||
| Restrictions | ||||
| Maximum Term | 35 years | Maximum term 35 years. | ||
| Minimum Term | 2 years | Minimum term 2 years. | ||
| Incentives | ||||
| Legal Fees Contribution | no | No legal fees incentive offered. | ||
| No Higher Lending Charge | yes | No higher lending charge payable. | ||
| Facilities | ||||
| Portable Mortgage | yes | Can be transferred to another property if borrower moves house during product term. | ||
| Flexible Payments | yes | Flexible options available. | ||
| Overpayments Available | restricted | Up to 10% of the outstanding balance can be repaid each year without penalty. | ||
| Payment Holiday | yes | Payment holidays allowed. | ||
| Fees & Charges | ||||
| Application Fee £ | varies | £395 product fee payable. £99 up-front application fee payable. | ||
| Application Fee Added to Loan | yes | The product fee can be added to the loan. The application fee must be paid up front. | ||
| Early Repayment Charge | yes | There is an early redemption charge payable. | ||
| Early Repayment Charge Amount | 3/2% | ERC - 3% of the amount repaid until 31/07/2011 and then 2% until 31/07/2012. | ||
Cheltenham & Gloucester 2yr 4.49% Fixed H/P LTV 60% Direct Mortgage
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Cheltenham & Gloucester 2yr 4.49% Fixed H/P LTV 60% Direct Mortgage Features & Benefits
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You may want to compare the Cheltenham & Gloucester 2yr 4.29% Fixed H/P LTV 60% Direct with these mortgages
Northern Rock 5yr 5.59% Fixed H/P LTV 70% No Fee
- Get right to buy minimum loan of £0.
- The mortgage has a 70 percent right to buy maximum ltv/valuation.
- Mortgage interest of 5.59%.
- New customers get 5 percent interest rate only rate from Northern Rock.
- This mortgage offers an intro rate term of 60 months.
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Nationwide Flex 3yr BBR + 2.48% Tracker R/M LTV 70%
- Lender's base rate or SVR for trackers of 0.5% is offered by Nationwide.
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Northern Rock 2yr 4.59% Fixed H/P LTV 75% No Fee
- Minimum term of 7 years.
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Clydesdale Bank 2yr 5.99% Fixed Buy To Let LTV 70%
- Get final rate of 4.59 percent.
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Liverpool Victoria Flexible Lifetime Fixed (Age 81-85) <£599,999
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Marsden 2yr 2.86% Discount Offset LTV 70%
- Maximum LTV of 70 percent is offered with this mortgage.
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- Get a 1st time buyer minimum loan of £20,000 from this 2yr 2.86% Discount Offset LTV 70%.
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NatWest 2yr BBR+2.29% R/M LTV 75% Dir AdPt/Bus Ex/C no-ERC
- Enjoy 4.1% mortgage APR from NatWest.
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Cumberland 6yr BBR Tracker 4% C/B H/P LTV 80% Local Area
- Get right to buy max ltv/valuation of 80 percent.
- Max term of 40 years.
- Benefit from a cash back of 4%.
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Northern Rock 2yr BBR + 2.69% R/M Tracker LTV 70% No Fee
- You get £1,000,000 maximum loan from Northern Rock.
- Enjoy 4.5% mortgage APR.
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Nationwide Flex 3yr BBR + 3.28% Tracker H/P LTV 80% Dir Ex/B
- Applicants take advantage of 4.1% payment rate from Nationwide.
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