| 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 | 6.40% | 6.40% | ||
| Initial Rate End Date | 31 Dec 2014 | 30 Sep 2014 | ||
| Final Rate | 5.34% | The standard variable rate is 5.34% | ||
| Mortgage APR | 6% | 6.0% | ||
| Fixed Rate End Date | 31 Dec 2014 | Fixed rate term until 31/12/2014 | ||
| Initial Rate Term | 60 months | 60 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 £1,299 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 | 7/7/6/6/5 months | ERC - 7 months gross interest at the fixed rate on the amount redeemed in the first two years, 6 months in years 3 and 4, 5 months in year 5 until 31/12/2014. | ||
Standard Life Bank Flex 5yr 6.40% Fxd R/M LTV 75% Freestyle Low Rate Mortgage
Compare the Standard Life Bank Flex 5yr 6.40% Fxd R/M LTV 75% Freestyle Low Rate 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 5yr 6.40% Fxd R/M LTV 75% Freestyle Low Rate Mortgage Features & Benefits
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You may want to compare the Standard Life Flex 5yr 6.40% Fxd R/M LTV 75% Freestyle Low Rate with these mortgages
Leeds Building Society 2yr 4.29% Fixed Offset LTV 75% Fee Assist Direct
- New customers take advantage of 75 percent right to buy maximum ltv/valuation from the mortgage.
- A maximum LTV of 75 percent is offered by Leeds Building Society.
- A 4.29% initial rate APR is offered.
- You get 3 maximum no of linked accounts.
- Applicants will get choice gross or net repayment.
Britannia Term BBR + 3.39% Offset LTV 60% Option 2 Direct
- Get £5,000 house purchase minimum loan.
- The mortgage gives a minimum duration of 5 years.
- Customers get maximum LTV of 60%.
- A remortgage minimum loan of £5,000 is available from Britannia.
Furness Building Society Long Term 0.90% Disc R/M LTV 75% Direct
- Furness Building Society gives mortgage APR of 4.7%.
- Remortgage minimum loan of £20,000.
- This mortgage offers a 4.7 percent rate only rate.
- Have the benefit of a remortgage maximum LTV of 75% from this Long Term 0.90% Disc R/M LTV 75% Direct.
- Customers can get maximum LTV of 75 percent.
- Get 4.54% final rate.
Cumberland 3yr 4.19% Fixed R/M LTV 75% Local Area
- Take advantage of 4.19% mortgage interest rate from Cumberland.
- The mortgage has a 4.49 percent final interest.
- Customers enjoy 0 percent minimum loan to value.
- Applicants get 01 oct 2013 fixed interest rate end date from Cumberland.
- 75 percent remortgage maximum LTV is available with the mortgage.
- 4.6 percent mortgage APR.
Tipton & Coseley 2yr 6.69% Fxd FTB LTV 90% SharedOwnership Ex/C Dir
- Get a 1st time buyer minimum loan of £25,000.
- Introductory rate APR of 6.69%.
- Only shared ownership is available.
- An interest only rate of 5.5% is offered by Tipton & Coseley.
Accord 2yr 6.64% Fxd Offset S/C Ex/B LTV >100% Fee Free
- Get maximum no of linked accounts of 3.
- You get current account/offset from this mortgage.
- Get choice gross or net repayment.
- Accord offers mortgage interest rate of 6.64 percent.
- 6.64% introductory rate APR is offered with this mortgage.
Earl Shilton 5yr 0.75% Discount LTV 75%
- This mortgage has 40 years max term.
- Customers can get 1st time buyer max LTV of 75 percent.
- A mortgage APR of 5 percent is offered by Earl Shilton.
- Get a right to buy max ltv/valuation of 75% from the 5yr 0.75% Discount LTV 75%.
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