| Application Criteria | ||||
| 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 | yes | Only 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 | 25% | 25% | ||
| Available Direct | yes | This product is available direct from the provider. | ||
| Rates | ||||
| Initial Rate APR | 6.70% | 6.70% | ||
| Initial Rate End Date | 31 Dec 2012 | 28 Sep 2012 | ||
| Final Rate | 5.34% | The standard variable rate is 5.34% | ||
| Mortgage APR | 5.9% | 5.9% | ||
| Fixed Rate End Date | 31 Dec 2012 | Fixed rate term until 31/12/2012 | ||
| Initial Rate Term | 36 months | 36 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 | yes | Yes | ||
| Endowment Mortgage | yes | Yes | ||
| Max LTV | 75% | The maximum LTV is 75% | ||
| Maximum Loan | £500,000 | The maximum loan is £500000 | ||
| Remortgage | yes | This product is available for Remortgages | ||
| Remortgage Max LTV | 75% | The maximum loan to value remortgage 75% LTV 75% to £500,000 | ||
| First Time Buyers | no | This product is not available to First Time Buyers | ||
| Existing Borrowers Moving Home | no | This product is not available to Existing borrowers moving home | ||
| Existing Borrowers Not Moving Home | no | This product is not available to Existing borrowers not moving home | ||
| Homemover | no | This product is not available to Homemovers | ||
| Shared Ownership | no | Not available for shared ownership schemes | ||
| Shared Equity | no | This product is not available for shared Equity. | ||
| Restrictions | ||||
| Maximum Term | 40 years | 40 years | ||
| Minimum Term | 3 years | 3 years | ||
| Incentives | ||||
| Legal Fees Contribution | yes | Free legals through nominated solicitor or £250 contribution towards costs. | ||
| No Higher Lending Charge | yes | There is no higher lending charge. | ||
| Facilities | ||||
| Portable Mortgage | yes | This product is portable | ||
| Flexible Payments | yes | There are flexible options available | ||
| Overpayments Available | restricted | 10% overpayment allowed each year during the fixed rate period. Unlimited overpayments are allowed penalty free after the end of the fixed rate period. | ||
| Payment Holiday | yes | When 6 months consecutive payments have been made, two payment holidays can be taken in any one year, subject to available reserve and ability to repay. | ||
| Fees & Charges | ||||
| Application Fee £ | varies | There is a booking fee of £799 payable. £99 fee payable option to choose cash reserve on application. | ||
| Application Fee Added to Loan | yes | The booking fees can be added to the loan. | ||
| Early Repayment Charge | yes | There is an early redemption charge payable. | ||
| Early Repayment Charge Amount | 5 months | ERC - 5 months gross interest at the fixed rate on the amount redeemed until 31/12/2012. | ||
Standard Life Bank Flex 3yr 6.70% Fxd R/M LTV 75% Mortgage
Compare the Standard Life Bank Flex 3yr 6.70% Fxd R/M LTV 75% with the UK's best mortgages, including application criteria, suitability, restrictions, incentives, facilities, fees & charges and rates.
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Standard Life Bank Flex 3yr 6.70% Fxd R/M LTV 75% Mortgage Features & Benefits
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You may want to compare the Standard Life Flex 3yr 6.70% Fxd R/M LTV 75% with these mortgages
Bank of Scotland 3yr 5.99% Fixed S/C LTV 85% Ex/B Direct
- A 30 sep 2013 introductory rate end date is offered.
- You get fixed rate end date of 30 sep 2013.
- Bank of Scotland gives repayment rate of 4.3 percent.
- Max loan of £1,000,000 is offered.
Ipswich Building Society 3yr 7.00% Fxd LTV 90% Shared Ownership Local Area
- Shared ownership minimum loan of £25,000 is available with this mortgage.
- You get £25,000 first time buyer minimum loan from this mortgage.
- Customers get final rate of 5.49%.
- 90% shared ownership max LTV is offered with this mortgage.
- 31 jul 2013 fixed interest end date.
- You get 6.2% interest rate only rate from Ipswich Building Society.
Lloyds TSB 5yr 5.59% Fixed R/M LTV 75% Intermediary
- You get initial rate APR of 5.59 percent.
- The mortgage gives a 30 sep 2015 intro rate end date.
- A fixed rate end date of 30 sep 2015 is available from Lloyds TSB.
- 3.99% final interest.
- The Lloyds TSB mortgage has 35 yrs max term.
- The mortgage offers a mortgage APR of 4.9%.
Halifax 2yr BBR + 4.74% Tracker R/M LTV 85% Direct
- Have the benefit of a shared ownership maximum LTV of 85%.
- The mortgage gives a 4% payment rate.
- Enjoy a standard variable rate date of 30 sep 2012 from the 2yr BBR + 4.74% Tracker R/M LTV 85% Direct.
- Shared ownership minimum loan of £0 is offered.
- This mortgage gives an 85 percent maximum LTV.
Cheltenham & Gloucester Term BBR+5.49% Tracker R/M LTV 90% <£750k Direct
- Cheltenham & Gloucester gives remortgage maximum LTV of 90 percent.
- Cheltenham & Gloucester gives minimum length of 1 yrs.
- A 90 percent maximum LTV is available.
- Get a mortgage interest of 5.99 percent.
- £5,000 remortgage minimum loan.
Santander 4yr 5.84% Fixed FTB C/B LTV 85%
- Santander gives mortgage interest of 5.84%.
- This mortgage gives a final interest of 4.24%.
- This mortgage has a 5.84 percent initial rate APR.
- Applicants get 5 years minimum length from the mortgage.
- Customers will get right to buy minimum loan of £6,000.
- Benefit from a max LTV of 85%.
Lloyds TSB 5yr 6.99% Fixed H/P LTV 90% Ex/C Direct
- 90% 1st time buyer max LTV is offered with this mortgage.
- Get a house purchase minimum loan of £5,000 from this 5yr 6.99% Fixed H/P LTV 90% Ex/C Direct.
- Applicants can benefit from 3.99 percent final interest.
- New customers will get right to buy minimum loan of £5,000.
Halifax 2yr 4.19% Fixed H/P LTV 75% Direct
- The Halifax mortgage has a right to buy minimum loan of £0.
- 75 percent max LTV.
- Maximum loan of £500,000 is available.
- Get 0 years minimum period.
- Customers can get 4.19% intro rate APR.
- Customers get £0 first time buyer minimum loan.
Halifax 5yr 5.49% Fixed H/P FTB LTV 75% Ex/C Direct
- 0 yrs tie-in duration after rate is available to customers.
- Get a right to buy minimum loan of £0 from the 5yr 5.49% Fixed H/P FTB LTV 75% Ex/C Direct.
- New customers get 40 yrs max term from Halifax.
- A maximum LTV of 75 percent is available from Halifax.
- New customers get 75 percent right to buy max ltv/valuation from Halifax.
Nationwide Flex 3yr BBR + 5.28% Tracker H/P LTV 95% Dir Ex/B
- Lender's base rate or SVR for trackers of 0.5 percent is available with this mortgage.
- Customers take advantage of 4.9% interest only rate.
- The mortgage gives a tie-in duration after rate of 0 yrs.
- A house purchase max LTV of 95 percent is available from Nationwide.
- Get a maximum loan of £500,000 from this Flex 3yr BBR + 5.28% Tracker H/P LTV 95% Dir Ex/B.
- A £0 house purchase minimum loan is offered.
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