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Mortgage & Equity Release - Call Us 0117 403 4474

What is your mortgage for?

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0.94% APR 

  • Fixed for 28 months
  • 60% LTV - Interest only option
  • Overall cost for comparison 3.20%

Representative Example: 

Mortgage of £100,000 on property valued at £200,000 over term of 25 years.

Rate fixed for 2 years after which reverts to NatWest variable rate of 3.59%.

Call RBS on 0800 068 7706

1.13% APR

  • Fixed for 64 Months
  • 60% LTV - Interest Only
  • Overall cost for comparison 2.70%

Representative Example: 

Mortgage of £180,000 on property valued at £300,000 over term of 25 years.

Rate fixed for 5 years after which reverts to NatWest variable rate of 3.59%.

Call NatWest FREE on 0800 068 8567

3.64% APR 

  • Fixed for 26 months
  • 95% LTV - £500 CASHBACK Offer!
  • Overall cost for comparison 3.30%

Representative Example: 

Mortgage of £100,000 on property valued at £200,000. Term of 25 years.

Rate fixed for 26 months then reverts to variable rate of 4.34%.

Call Virgin Money FREE on 0330 057 1528

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 0.92%
Rate type: Fixed 28 months
Monthly cost: £671.87 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
NatWest logo 0.92% Fixed 28 months 3.2% APRC 60% £995 £250 cashback £671.87 per month get quotes Call direct0800 068 8567
Initial rate: 0.92%
Rate type: Fixed 28 months
Monthly cost: £671.87 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
NatWest Int Sols logo 0.92% Fixed 28 months 3.2% APRC 60% £995 £250 cashback £671.87 per month get quotes Call us0117 403 4474 Broker Only Deal
Initial rate: 0.92%
Rate type: Fixed 28 months
Monthly cost: £671.87 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
Royal Bank of Scotland logo 0.92% Fixed 28 months 3.2% APRC 60% £995 £250 cashback £671.87 per month get quotes Call direct0800 068 7706
Initial rate: 0.94%
Rate type: Fixed 28 months
Monthly cost: £673.49 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.1% APRC
HSBC logo 0.94% Fixed 28 months 3.1% APRC 60% £999 £673.49 per month get quotes Call us0117 403 4474 More details
Initial rate: 0.94%
Rate type: Fixed 36 months
Monthly cost: £673.49 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.0% APRC
Nationwide BS logo 0.94% Fixed 36 months 3.0% APRC 60% £999 £673.49 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.94%
Rate type: Fixed 24 months
Monthly cost: £673.49 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.2% APRC
Nationwide BS logo 0.94% Fixed 24 months 3.2% APRC 60% £999 £673.49 per month get quotes Call us0117 403 4474 More details Broker Only Deal
Initial rate: 0.94%
Rate type: Fixed 28 months
Monthly cost: £673.49 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
NatWest logo 0.94% Fixed 28 months 3.2% APRC 60% £995 £673.49 per month get quotes Call direct0800 068 8567
Initial rate: 0.94%
Rate type: Fixed 28 months
Monthly cost: £673.49 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
NatWest Int Sols logo 0.94% Fixed 28 months 3.2% APRC 60% £995 £200 cashback £673.49 per month get quotes Call us0117 403 4474 Broker Only Deal
Initial rate: 0.94%
Rate type: Fixed 28 months
Monthly cost: £673.49 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
Royal Bank of Scotland logo 0.94% Fixed 28 months 3.2% APRC 60% £995 £673.49 per month get quotes Call direct0800 068 7706
Initial rate: 0.94%
Rate type: Fixed 28 months
Monthly cost: £673.49 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
TSB logo 0.94% Fixed 28 months 3.2% APRC 60% £995 £673.49 per month get quotes Call us0117 403 4474 More details
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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

Mortgages For Older Borrowers

Mortgage Service for Older Borrowers

If you are of pension age getting a mortgage can be more challenging - Special features of what we offer include:

  • Mortgage solutions for over 60s
  • Access to lenders where age is not an issue
  • Whole of market service - we work with most UK lenders
  • Access to leading market mortgage rates
  • Access to exclusive loan deals not available on high street
  • Fast turnaround - speak to us today if you need to move quickly
  • We have lenders who will take into account previous defaults and missed payments 
  • Looking to raise additional finance on top of your existing mortgage or buy to let mortgage? - we have access to a range of finance solutions

To investigate your mortgage options if you are in pre or post retirement call our mortgage team on 0117 313 7780 or fill in our call back form.

"The essence of the Fair Mortgages service is professional independent mortgage and protection advice brought to you by a team of specialist advisers and experienced administration support. 

As your mortgage is such an important transaction, good advice is imperative.

Mortgages For Older Borrowers

Mortgages For Older Borrowers

If you are an older borrower you may have concerns that you will not be able to find a lender who will be able to offer you a suitable mortgage. However while getting a mortgage as an older person can be more difficult due to specific lender’s own restrictions there may still be a range of suitable mortgages available to you depending on both your age and financial circumstances.

Getting a mortgage as an older borrower

  • Age – Many mortgage lenders have an upper limit for taking out a mortgage with them, this age tends to be between 65 and 70 depending on lender. Lender’s may also have an age limit for by when a borrower must repay a mortgage, which means that the exact term of your mortgage may affect what is available. However, there are a number of lenders who have much higher age limits and a few where age is not an issue providing certain criteria.
  • Affordability – As does any borrower, older borrowers will need to illustrate to the lender that they can afford to make their mortgage payments. If you have retired or you are planning to retire within the term of the mortgage, then you will need to provide evidence to the lender that the income you will receive from any pensions, annuities, investments or other sources of income will be sufficient to repay the mortgage.

Before taking out a mortgage

While there might be a more limited selection of products available to older borrowers, whatever kind of mortgage you are interested in it may be wise to shop around different providers to see what is available to you. By comparing the market you can try to find the best deal for a mortgage that fits your criteria.

Mortgage Adviser

Borrowers interested in taking out any kind of mortgage might wish to consider using the services of an independent mortgage adviser. In addition to being able to offer their clients impartial advice, mortgage advisers that offer a whole of market service, can use their professional knowledge to search across a range of different lenders to try and find the best mortgage products available to their clients. There are also some mortgages which can only be accessed via an intermediary, which in some instances might present the best deal to a borrower.

To find out if Fair Mortgages could help you, fill in the online contact form to request a call back. Alternatively call directly on: 0117 313 7780

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