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Mortgage & Equity Release - Call Us 0117 403 4474

or Book Appointment

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparison Product fee Monthly cost Enquire
Initial rate: 4.46%
Rate type: 2 year fixed
Monthly cost: £830.35 per month
Product fee: £999
Overall cost for comparison: 8.1% APRC
Halifax 4.46% 2 year fixed 8.1% APRC £999 £830.35 per month get quotes
Initial rate: 4.46%
Rate type: 2 year fixed
Monthly cost: £830.35 per month
Product fee: £999
Overall cost for comparison: 8.1% APRC
Halifax 4.46% 2 year fixed 8.1% APRC £999 £830.35 per month get quotes Broker Only Deal
Initial rate: 4.49%
Rate type: 2 year fixed
Monthly cost: £832.9 per month
Product fee: £899
Overall cost for comparison: 8.1% APRC
Barclays 4.49% 2 year fixed 8.1% APRC £899 £832.9 per month get quotes Broker Only Deal
Initial rate: 4.51%
Rate type: 2 year fixed
Monthly cost: £834.6 per month
Product fee: £1,495
Overall cost for comparison: 7.7% APRC
NatWest logo 4.51% 2 year fixed 7.7% APRC £1,495 £834.6 per month get quotes
Initial rate: 4.52%
Rate type: 2 year fixed
Monthly cost: £835.45 per month
Product fee: £899
Overall cost for comparison: 8.1% APRC
Barclays 4.52% 2 year fixed 8.1% APRC £899 £835.45 per month get quotes Broker Only Deal
Initial rate: 4.54%
Rate type: 2 year fixed
Monthly cost: £837.16 per month
Product fee: £999
Overall cost for comparison: 6.7% APRC
HSBC logo 4.54% 2 year fixed 6.7% APRC £999 £837.16 per month get quotes Broker Only Deal
Initial rate: 4.58%
Rate type: 2 year fixed
Monthly cost: £840.57 per month
Product fee: £995
Overall cost for comparison: 7.7% APRC
NatWest logo 4.58% 2 year fixed 7.7% APRC £995 £840.57 per month get quotes
Initial rate: 4.58%
Rate type: 2 year fixed
Monthly cost: £840.57 per month
Product fee: £0
Overall cost for comparison: 7.1% APRC
Santander logo 4.58% 2 year fixed 7.1% APRC £0 £840.57 per month get quotes Broker Only Deal
Initial rate: 4.63%
Rate type: 2 year fixed
Monthly cost: £844.86 per month
Product fee: £995
Overall cost for comparison: 7.7% APRC
NatWest logo 4.63% 2 year fixed 7.7% APRC £995 £844.86 per month get quotes
Initial rate: 4.64%
Rate type: 2 year fixed
Monthly cost: £845.71 per month
Product fee: £995
Overall cost for comparison: 8.2% APRC
TSB logo 4.64% 2 year fixed 8.2% APRC £995 £845.71 per month get quotes
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Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

12 Month Mortgage

Our Short Term Mortgage Service

Looking for property finance from 1 month to 5 years? We have solutions for residential and commercial properties on a second charge basis.

Special features of what we offer include:

  • Mortgages & bridging finance from 1 month to 5 years

  • 1st and second charge Loans

  • Finance from £20,000 to £25 million

  • Term - From 1 to 36 months

  • Bridging loans for individuals, limited companies, sole traders and partnerships

  • Interest roll up schemes

  • Whole of market service - we work directly with UK bridging lenders

  • Lowest rates - Access to leading bridging loan deals

  • Fast turnaround - speak to us today if you need to move quickly. 5 to 7 working days possible.

We specialise in arranging mortgage & bridging finance whatever your age.

Short Term Property Finance For 12 Months

Whether you are looking to purchase a residential home or renovate a property with the view to sell it on, you may need the right finance in place to minimise delays.

In the event that you require property finance quickly, approaching a traditional lender may not be the best option. High street lenders generally request a deposit, which can be up to 25% of the property’s value, and applications may take up to months to process.

Bridging loans are a specialist kind of loan designed solely for shorter term usage to provide a temporary cash flow solution or ‘bridge’ before additional permanent finance becomes available.

Bridging loans can be secured against commercial property, residential property, building plots or even land without planning permission - terms of finance over 12 months is fairly standard and some lenders will go to 5 years depending on your situation.

Bridging loans may provide:

  • Fast, short term finance when time is of the essence

  • Finance from £50,000 to £25m

  • Flexible terms of finance to suit your needs

Bridging Loan Calculator

See how much you could secure with our bridging loan calculator.

 Bridgingcalculator

Bridging loans may be used for a variety of different circumstances including:

  • For residential purchase                                                 

  • Downsizing                                                                       

  • Development and refurbishment                                        

  • Buying at auction                                                              

  • Buying property abroad                                                   

  • Extending a lease                                                           

  • Completing a purchase when there is a break in the property chain

Before a bridging loan lender provides any finance they will need details of the borrower’s exit plan. An exit plan is the method the borrower will use to repay the loan. An example of an exit plan is the sale of a borrower’s property.

You may require professional assistance to help you choose the right bridging loan for you, as the bridging loan market is potentially complex. If you need a mortgage or bridging loan for 12 months contact our specialist team.

Next Steps…

If you are unsure about what finance is suitable for you or you are concerned that your age is a barrier call us or complete our request callback form.

12 Month Mortgage

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Call or Request Callback for our Mortgage & Bridging Loan Service

Call us for a FREE initial conversation on 0117 403 4474 about your 12 month mortgage options or request a callback.

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Bridging Loans