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Product summary Product : 01339 KNPC1802

  • LTV 80%
  • Mortgage type Fixed
  • Term 2
  • Initial rate 5.29%
  • Product fee 0.5%
  • ERC

    Yes

    (see below)


CCJs

0 in the last 6 months

1 in the last 24 months

Must be satisfied prior to mortgage application. Ignore if one of the following apply:

  • Satisfied >12 months
  • <£300 in total and satisfied prior to application
  • Registered >24 months whether satisfied or not

Defaults

0 in the last 6 months

2 in the last 24 months

Must be satisfied prior to mortgage application. Ignore if one of the following apply:

  • Satisfied >12 months
  • <£300 in total and satisfied prior to application
  • Registered >24 months whether satisfied or not

Missed mortgage/secured loan payments

0 in the last 6 months and currently up to date

Unsecured arrears

2 in the last 12 months and currently up to date

Maximum status

Currently up to date. Previous maximum status ignored

Communication, utility and mail order

Performance ignored where the account balance is less than £500 (single or in aggregate)

Debt management plan

Satisfactorily conducted for a minimum of 12 months

IVA/DRO/bankruptcy

>3 years discharged

Repossessions

Not acceptable

Maximum no. of applicants

4

Contractors considered?

No minimum income required

Self-employed considered?

Trading a minimum of 12 months

Ages

18-79. Maximum age at end of term is 85 (including lending into retirement)

Repayment terms available?

Part interest-only and part capital terms available?

By exception only

Interest-only terms available?

By exception only

Porting available?

Term

5-35 years

Standard variable rate

6.33%

Early repayment charges

Year one: 3%

Year two: 3%

Minimum loan

£50,000

When the LTV exceeds 75%: £100,000

Maximum loan

£1,000,000

Loans over £500,000 are subject to a maximum LTV of 80%

Minimum property value

£75,000

Product fee

0.5%

Application fee

£130

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