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Product summary Product : 01412 KRES19F5

  • LTV 90%
  • Mortgage type Fixed
  • Term 5
  • Initial rate 4.37%
  • Product fee 0.5%
  • ERC

    Yes

    (see below)


Maximum no. of applicants

4

Ages

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

Contractors considered?

Self-employed considered?

Trading a minimum of 12 months

CCJs

0 in the last 36 months. Must be satisfied prior to mortgage application. Ignore if <£300 in total and satisfied.

Defaults

0 in the last 36 months. Must be satisfied prior to mortgage application. Ignore if <£300 in total and satisfied.

Missed mortgage/secured loan repayments

0 in the last 12 months and currently up to date

Unsecured arrears

0 in the last 12 months and currently up to date

Maximum status

Must be currently up to date. Maximum 2 down in the last 24 months

Debt management plan

Not acceptable

IVA/DRO/bankruptcy

Not acceptable

Repossession

Not acceptable

Repayment terms available?

Part interest-only and part capital terms available?

Pure interest-only terms available?

Asset-backed interest-only available?

Subject to a minimum property value of £500,000. Not available at 90% LTV

Porting available?

Term

5-35 years

Standard variable rate

6.33%

Early repayment charges

Year one: 5%

Year two: 4%

Year three: 3%

Year four: 3%

Year five: 3%

Minimum loan

£50,000

When the LTV exceeds 75%: £100,000

Maximum loan

£500,000

Minimum property value

£75,000

Product fee

0.5%

Application fee

£130

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