• Tel: 0345 230 9091 (Mon-Fri 09:00 - 17:00)
  • Fax: 0333 123 9093
  • Avenue & Co Private Finance, 25 Sackville Street, London
  • W1S 3AX

Current Best Buys  

WE HAVE NEW RESIDENTIAL AND BUY TO LET PRODUCTS EVERY DAY. Call 0345 230 9091 or click ENQUIRE  for any size mortgage loan.

For Private Bank lending rates (Loans above £2m to £45m), Offset Mortgages and Buy to Let Rates, please contact us for an individual quotation as all rates are subject to individual criteria. 


RESIDENTIAL REMORTGAGE - 5 YR FIXED - 60% LTV

Based on  £1,000,000 valuation and 60% LTV - Loan of £600,000 based on a 25 year term  (figures correct as of 23-01-18)  

PRODUCT TYPE

5 YR FIXED - REMORTGAGE ONLY

1.75% Fixed 5 yrs to 31-03-2023

thereafter lender SVR of 4.49% variable for the remainder of the term.

Max 65% LTV.

Current Pay Rate 1.75%

THE OVERALL COST FOR COMPARISON IS

3.50% APRC

MONTHLY REPAYMENTS - INITIAL RATE 

VARIABLE RATE: CURRENTLY

 £2,474.85 pcm (Repayment)

4.49% remainder of the term

BASIC VALUATION FEE

FREE 

LENDER BOOKING /ARRANGEMENT FEE

£999 - can be added to loan

EARLY REPAYMENT CHARGE

5% of the outstanding loan if the mortgage is repaid before 31 March 2019.
3% of the outstanding loan if the mortgage is repaid before 31 March 2021.
1% of the outstanding loan if the mortgage is repaid before 31 March 2023.

OVERPAYMENTS

10% per annum without penalty

FEATURES

CASH BACK / OTHER INCENTIVES / OTHER FEATURES

Maximum age to 75 yrs old.

New Build Acceptable

Mortgage is portable if you move home.

Min 2 years accounts for self employed.

INCOME MULTIPLES

Based on affordability  

MAXIMUM LOAN SIZE
MAXIMUM LOAN TO VALUE (LTV)

£1m at 65% LTV.

 

 ENQUIRE ABOUT THIS DEAL

 

BUY TO LET

Based on  £750,000 valuation and 65% LTV - Loan of £487,500  based on a 25 year term (figures correct as of 23-01-18)  

PRODUCT TYPE

2 YEAR FIXED - REMORTGAGE ONLY

1.59% 2 yr FIXED to 30-04-2020thereafter lender SVR of 4.74% variable for the remainder of the term.

Max 65% LTV.

Current Pay Rate 1.59%

THE OVERALL COST FOR COMPARISON IS

4.29% APRC

MONTHLY REPAYMENTS - INITIAL RATE

 

VARIABLE RATE: CURRENTLY

£1,976.43 pcm (Repayment)

£647.92 pcm (Interest Only)

 4.74% variable rate for remainder of the term

BASIC VALUATION FEE

FREE  Valuation and LEGAL Fees for remortgage cases

LENDER ARRANGEMENT FEE

£1,499 (can be added to loan)

EARLY REPAYMENT CHARGE

2% of the outstanding loan if the mortgage is repaid before 30 April 2019.
1% of the outstanding loan if the mortgage is repaid before 30 April 2020.

OVERPAYMENTS

10% capital repayments allowed per year without penalty

FEATURES

CASH BACK / OTHER INCENTIVES / OTHER FEATURES

MAX AGE

Min 1 yrs Accounts of for self employed

Mortgage is portable if you move home.

Lending to age 85 allowed.


INCOME MULTIPLES / CRITERIA INCOME

Rental Income must be 140% of the monthly mortgage payments when calculated using a rate of 5.50% (Where the total loan has 5 years or more remaining on a Fixed rate product, or for remortgage applications with no additional borrowing, the reference rate is currently 5.0%)

MAXIMUM LOAN SIZE
MAXIMUM LOAN TO VALUE (LTV)

£1,000,000 at 65% LTV 

 ENQUIRE ABOUT THIS DEAL

  

 

COST OF ADVICE 

As comprehensive mortgage advisers, you can choose how we are paid.  We usually charge an admnistration and advice fee to process a mortgage application.  This fees is usually £599.00. We may on completion receive a commission from the lender. 

Alternatively, you can pay us a fee of 0.35% of the loan and we will refund any commission back to you that we receive. We adhere to the principles of treating customers fairly and if we do charge you a fee, we will put in writing to you details of any fees before commencing any work.

The FCA does not regulate Foreign mortgages, Foreign loans, Commercial mortgages, Trusts and some forms of Buy to Let mortgages.  

The FCA does not regulate some forms of Bridging Finance.

Changes in the exchange rate may increase the sterling equivalent of your debt.

We act as introducers for Foreign Mortgages, Commercial mortgages and Trusts.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT 

  • Tel: 0345 230 9091 (Mon-Fri 09:00 - 17:00)
  • Fax: 0333 123 9093
  • Avenue & Co Private Finance, 25 Sackville Street, London
  • W1S 3AX

 


Enquiry Form

Enquire here or just call us - 0345 230 9091 open Mon-Fri - 9.30 am to 5.00 pm

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