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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: £999
Overall cost for comparison: 3.2% APRC
Barclays Mortgage logo 0.92% Fixed 28 months 3.2% APRC 60% £999 £671.87 per month get quotes Call us0117 403 4474 More details 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
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
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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 the elderly

Our Mortgage Service For Older Borrowers

"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 the elderly

Mortgages for the elderly

If you are an older person who is looking for a mortgage, it’s a good idea to find out all you can about mortgage options for people over 55.

As well as standard mortgage deals, mortgage options for the elderly also include equity release schemes. Essentially, an equity release scheme is a means by which you can unlock some of the money that is held in your property without having to sell the house or move out of it.

Equity release schemes are likely to vary from lender to lender in the details of how exactly they are structured, but there are basically two types of equity release plan. These are as follows:

Lifetime mortgage

A lifetime mortgage is similar to a standard mortgage in that you continue to fully own your home. You take out a loan secured against your home which lasts for your lifetime, or until you move into full time residential care and need to sell the property.

Lifetime mortgages can be taken out jointly and the amount that can be borrowed will depend on the age of the younger applicant.

You may be able to borrow up to a maximum of around half your property’s value, depending on your age, property valuation and other circumstances.

Home reversion plans

A home reversion plan could be an option for those older people who are prepared to become a co-owner of their property, but remain living in it.

With a home reversion plan, you sell a percentage of your property to a reversion company and continue to live there as a tenant.  You can often choose to either take the money released as a lump sum, or take it as a regular income over a set period of time.

Speak to our specialist team to help you find the right mortgage option for you. To speak to one of our mortgage advisers click here »

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