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Product summary Product : 01432 KSHO19F5

  • LTV 75%
  • Mortgage type Fixed
  • Term 5
  • Initial rate 4.39%
  • Product fee £399
  • ERC

    Yes

    (see below)


Repayment terms available?

Interest-only terms available?

Porting available?

Term

5-35 years

Early repayment charges

Year one: 5%

Year two: 4%

Year three: 3%

Year four: 3%

Year five: 3%

Standard variable rate

6.33%

Maximum share value

95%

Client share

25%-75% of the full property value

Minimum loan

£50,000

Maximum loan

£1,000,000

Minimum property value

£125,000

First time buyers permitted?

Maximum no. of applicants

4

Ages

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

Professional applicants

Must be employed in a senior position by a UK, EU, US agency or by a recognised and traceable company abroad

Self-employed applicants

Must be an equity partner in a law firm, professional contractor or a business owner with an internationally recognised accountant

Missed mortgage/rent arrears

In the last 12 months are not normally accepted but may be considered subject to individual case review

County court judgments (CCJs) and defaults

None in the last 36 months. Must be satisfied prior to mortgage application.

These are acceptable where one of the following applies:

  • All CCJs/defaults were registered more than three years ago and satisfied prior to mortgage application.
  • All CCJs/defaults were satisfied more than 12 months prior to application regardless of date of registration.
  • The CCJs/defaults in aggregate amount to less than £300, regardless of date of registration, and satisfied prior to mortgage application.

Individual voluntary agreement (IVA) & discharged bankrupts

IVA/ bankrupts who have been discharged over three years ago and who have no residual debt may be accepted subject to individual case assessment

Repossessions

Not acceptable

Product fee

£399

Application fee

£130

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