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Lowest rates on the market

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Option 1 – Best interest only rates

Option 2 - Lowest fixed rate - can be used for refinance

Option 3 – No Life Assurance required, up to 80 years old

Option 4 – Lowest capped rates up to 20 years

Option 5 - Variable rate, but with a fixed monthly payment


Option 1 – Lowest Interest-only rates.

Three interest-only options:

1.1 - Interest only for five years fixed at 5.6% or 10 years at5.7%

  • A great choice for investors. Normally for 80% of the price, this can become 99% of a newbuild leaseback where vat is advanced by the developer

1.2 - 80% purchase price.

  • 10 years interest-only, followed by 15 years repayment (max duration 25 years).
  • 4,85% - 5,15% year one depending on the amount Then Eurobor one month plus 1,85% - +1,75% loans over 300,000.
  • No repayment penalty during the first 10 years. (£1000 minimum prepayment).
  • Early repayment penalty of 3% in the following 15 years.

1.3 - 80% of purchase price including agents’ fees,
minimum loan €100,000.

  • Up to 20 years interest only.
  • 5.15% three months, then 1.6% above 3 months Euribor.
  • No early repayment penalty.
  • Can use UK life assurance. Borrower must have net worth of 150% of loan amount.

>>>APPLY

Option 2 – Lowest fixed rates. Can be used for refinance

  • Up to 80% of price including agent.
  • Fixed rate

    15 years 4.90%
    20 years 4.95%
    25 years 5.00%

>>>APPLY

Option 3 – No Life Assurance, up to 80 years old.

  • Up to 60% of the purchase price including agent.
  • 4,3% for first three years then 1,1% above 3 months Euribor.
  • No penalty after 5 years. Before then, early repayment penalty is 1.7% of amount pre-paid.

>>>APPLY

Option 4 – Lowest capped rates, up to 20 years.

  • 80% of price including agent. 4.55% for the first year, then a tracker at 1.25% above 12 months Euribor, but capped at 5.55%.
  • Early repayment penalty is 1.5% of amount pre-paid.

>>>APPLY

Option 5 – Variable rate, but with fixed monthly payment.

  • 80% of purchase price including agent.
  • 4.25% for year one, then 3 month Euribor plus 1.1% with monthly payment fixed while term varies.
  • Early repayment nil after 5 years.

>>>APPLY



*Euribor = Euro Interbank Offered Rate (this is the "base rate" for the Euro); the rate at which euro interbank term deposits within the euro zone are offered by one prime bank to another prime bank.

NOTE: Your home is at risk if you do not keep up the repayment on a mortgage loan or other loan secured on it. The sterling equivalent of your liability under a foreign currency mortgage may be increased by exchange rate movements.

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