Town Centre Mortgages

 

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Today's best deals

Below are our current best deals, however, to find the best deal for your needs and circumstances, please call one of our advisers today. We can search over 10,000 mortgages from over 80 lenders.

Remortgage

Initial rate:

3.99%

Fixed rate until 01/01/2010

  

Subsequent rate:

5.84%

Lender's Standard Variable Rate for 6 years, followed by tracker variable rate (0.25% below Lender's Standard Variable Rate), currently 5.59% for the rest of the mortgage

  

The overall cost for comparison is:

5.80% APR

The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

  

 

Details:

Early repayment charge: 4% of the outstanding loan if the mortgage is repaid before 01/01/2010.
If this mortgage is closed down as part of a Mortgage Review, a Mortgage Review Fee, currently £395.00, will also be payable.
Arrangement fee: £995 (non-refundable)
The maximum Loan to Value is 65% of the value of the property or purchase price, whichever is lower.

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Home mover

Initial rate:

4.39%

Tracker variable rate (1.39% above Bank of England base rate) until 31/01/2011.

 

Subsequent rate:

5.00%

Lender's standard variable rate.

  

The overall cost for comparison is:

5.30% APR

The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

  

 

Details:

Early repayment charge: 3% of the outstanding loan if the mortgage is repaid before 31/01/2010, and 2% if the mortgage is repaid before 31/01/2011.
Arrangement fee: 2.5% of the mortgage amount (non-refundable)
The maximum Loan to Value is 75% of the value of the property or purchase price, whichever is lower.

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First time buyer

Initial rate:

6.39%

Fixed until 31/12/2011

  

Subsequent rate:

6.59%

Lender's standard variable rate

  

The overall cost for comparison is:

7.00% APR

The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

  

 

Details:

Early repayment charge: 3% of the outstanding loan if the mortgage is repaid before 31/12/2011.
Arrangement fee: £499 (non-refundable)
The maximum Loan to Value is 95% of the value of the property or purchase price, whichever is lower.

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Buy to let remortgage

Initial rate:

6.04%

Fixed until 31/01/2012

  

Subsequent rate:

5.35%

Lender's standard variable rate

  

The overall cost for comparison is:

5.90% APR

The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

  

 

Details:

Early repayment charge: 4% of the outstanding loan if the mortgage is repaid before 31/01/2010, 3% if the mortgage is repaid before 31/01/2011, and 2% if the mortgage is repaid before 31/01/2012.
Arrangement fee: 2.5% of the mortgage amount (non-refundable)
The maximum Loan to Value is 75% of the value of the property or purchase price, whichever is lower.
Rental income must cover at least 125% of Payrate.

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Buy to let purchase

Initial rate:

6.04%

Fixed until 31/01/2012

  

Subsequent rate:

5.35%

Lender's standard variable rate

  

The overall cost for comparison is:

5.90% APR

The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

  

 

Details:

Early repayment charge: 4% of the outstanding loan if the mortgage is repaid before 31/01/2010, 3% if the mortgage is repaid before 31/01/2011, and 2% if the mortgage is repaid before 31/01/2012.
Arrangement fee: 2.5% of the mortgage amount (non-refundable)
The maximum Loan to Value is 75% of the value of the property or purchase price, whichever is lower.
Rental income must cover at least 125% of Payrate.

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Your home may be repossessed if you do not keep up repayments on your mortgage.

We normally make no charge for mortgage advice, however, a purely fee based option is available where we  charge 1.5% of the mortgage amount and you receive the commission from the lender.