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1) Residential Fixed Rates
LENDER
Principality BS
Britannia BS
Britannia BS
Initial Rate
5.49%
5.69%
5.39%
Initial Rate Expiry
31/12/2009
3 yrs
5 yrs
Subsequent Rate
7.70%
7.45%
7.45%
Overall Cost for Comparison APR
7.60%
7.30%
6.90%
Early Repayment Charges
3%
3/2/1%
6/5/3/2/1%
Lenders Arrangement Fee
£1,500
£499
£999
Max LTV
95%
95%
95%
Higher Lending Charge
90%
90%
90%

 

2) Residential Variable/
Tracker Rates
LENDER
C & G
Ipswich BS
Norwich & Peterborough BS
Initial Rate
4.74%
5.49%
5.59%
Initial Rate Expiry
31/12/2009
31/10/2010
5 yrs
Subsequent Rate
7.75%
7.49%
7.74%
Overall Cost for Comparison APR
8%
7.30%
7.10%
Early Repayment Charges
3/2%
3%
3%
Lenders Arrangement Fee
2.50%
£1,398
£599
Max LTV
90%
90%
90%
Higher Lending Charge
N/A
N/A
N/A

 

3) BTL Fixed Rates
LENDER
The Mortgage Works
Principality BS
The Mortgage Works
Initial Rate
5.18%
5.69%
5.74%
Initial Rate Expiry
31/12/2009
31/10/2010
31/12/2012
Subsequent Rate
7.74%
7.69%
7.74%
Overall Cost for Comparison APR
7.80%
7.60%
7%
Early Repayment Charges
5%
4%
5%
Lenders Arrangement Fee
2.50%
2%
2.50%
Max LTV
75%
85%
85%
Higher Lending Charge
N/A
N/A
N/A

 

4) BTL Discount/
Tracker Rates
LENDER
C&G
Shared Exclusive
Bank of Ireland
Shared Exclusive
Astra Mortgages
Initial Rate
4.99%
5.40%
6.19%
Initial Rate Expiry
2 yrs
30/11/2010
5 yrs
Subsequent Rate
7.75%
7.50%
6.19%
Overall Cost for Comparison APR
7.80%
7.50%
6.50%
Early Repayment Charges
2%
5/5/4%
NIL
Lenders Arrangement Fee
2.50%
2.50%
£599
Max LTV
85%
85%
85%
Higher Lending Charge
N/A
N/A
N/A

LAST UPDATED 23rd October 2007







You should not regard any of the products in the tables as being recommendations either by thisisjam.com or Thinc Group Ltd Ltd.

Mortgage products are subject to change at short notice and the details should be verified with the provider

The tables won't recommend which financial product you should buy, so never buy a product just on the basis of what you see in the tables. If you don't understand how the kind of product you're looking for works, or if you're not sure whether it's suitable for you, then get advice before coming back to the tables.

The tables do not include stepped rates or products with extended early redemption charges.

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