Countrywide Mainstream products
| 65% |
4.09% |
£1,795 |
Free valuation†
£250 cashback
|
| 70% |
4.19% |
£1,795 |
| 75% |
4.39% |
£1,795 |
| 80% |
4.89% |
£1,795 |
| 65% |
4.59% |
£1,795 |
Free valuation†
£250 cashback
|
| 70% |
4.69% |
£1,795 |
| 75% |
4.79% |
£1,795 |
| 80% |
5.09% |
£1,795 |
| 65% |
4.89% |
£1,795 |
Free valuation†
£250 cashback
|
| 70% |
4.99% |
£1,795 |
| 75% |
5.19% |
£1,795 |
| 80% |
5.49% |
£1,795 |
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* If Bank Base Rate falls below 0.50% the initial/reversionary
rate will be charged at 0.50% + product reversionary rate
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† One free valuation accepted per
application, per customer
Mainstream fixed product full
details
Additional information
Available to employed and self-employed applicants
Available to first time buyers
All products are portable
Arrangement fee can be added to the loan
Reversionary rate up to 75% LTV - 4.75% (BBR*+4.25%)
Reversionary rate up to 85% LTV - 5.25% (BBR*+4.75%)
Remortgage maximum LTV's:
|
Remortgage type |
Maximum LTV |
| Home improvements |
80% |
| £ for £ |
80% |
| Capital
raising |
75% |
| Debt consolidation |
75% |
Early repayment charges (ERC)
| 4 year fixed |
4% of the amount redeemed until 31 October 2012
3% of the amount redeemed until 31 October 2013
2% of the amount redeemed until 31 October 2014
|
| 7 year fixed |
6% of the amount redeemed until 31 October 2012
5% of the amount redeemed until 31 October 2014
3% of the amount redeemed until 31 October 2015
2% of the amount redeemed until 31 October 2017
|
| 10 year fixed |
7% of the amount redeemed until 31 October 2013
4% of the amount redeemed until 31 October 2016
3% of the amount redeemed until 31 October 2019
1% of the amount redeemed until 31 October 2020
|
Loan details
| |
Minimum loan amount |
Maximum loan amount |
Minimum term |
Maximum term |
| Purchase |
£25,001 |
£1,000,000 up to 60% LTV
£750,000 up to 70% LTV
£500,000 up to 85% LTV
|
5 years |
40 years** |
| Remortgage £ for £ |
£25,001 |
£1,000,000 up to 60% LTV
£750,000 up to 70% LTV
£500,000 up to 85% LTV
|
5 years |
40 years** |
| Remortgage Home Improvements |
£25,001 |
£1,000,000 up to 60% LTV
£750,000 up to 70% LTV
£500,000 up to 85% LTV
(with supporting estimates)
|
5 years |
40 years** |
| Remortgage Capital Raising |
£25,001 |
£1,000,000 up to 60% LTV
£750,000 up to 70% LTV
£500,000 up to 75% LTV
Not available up to 85% LTV
|
5 years |
40 years** |
| Remortgage Debt Consolidation |
£25,001 |
£1,000,000 up to 60% LTV
£750,000 up to 70% LTV
£500,000 up to 75% LTV
Not available up to 85% LTV
|
5 years |
40 years** |
**Subject to maximum age criteria. If the term of the mortgage
goes beyond the projected retirement age as declared by the
applicant, Platform will decline the application or exclude this
income for joint applications.
Minimum/maximum age
Minimum age is 18 at application.
Maximum age is 75 at the end of the term.
Fees
Introducer fee
| 4 year fixed |
0.35% |
| 7 year fixed |
0.45% |
| 10 year fixed |
0.55% |
|
Property valuation |
Valuation fee |
Additional home buyer fee |
| AVM |
£20 |
N/A |
| Up to
£75,000 |
£105 |
£220 |
| £75,001 to
£100,000 |
£115 |
£220 |
| £100,001 to
£150,000 |
£135 |
£230 |
| £150,001 to
£200,000 |
£165 |
£235 |
| £200,001 to
£250,000 |
£200 |
£250 |
| £250,001 to
£300,000 |
£225 |
£300 |
| £300,001 to
£350,000 |
£255 |
£370 |
| £350,001 to
£400,000 |
£295 |
£370 |
| £400,001 to
£500,000 |
£355 |
£370 |
| £500,001 to
£600,000 |
£420
|
£405 |
| £600,001 to
£700,000 |
£490 |
£435 |
| £700,001 to
£800,000 |
£540 |
£485 |
| £800,001 to
£900,000 |
£600 |
£525 |
| £900,001 to
£1m |
£670 |
£555 |
| £1m -
£1.5m |
£970 |
By
negotiation |
|
Buildings insurance administration fee
one off fee if buildings insurance is not
arranged through Legal & General
|
£30 |
| Telegraphic transfer
fee |
£15 |
| Higher lending
charge |
None |
Flexible
features
Overpayments - can be made at
any time up to the value of £12,000 a year or 10% of the mortgage
balance (whichever is higher).
Underpayments and payment holidays
- a maximum of 6 underpayments/payment holidays are
permitted in a period of 12 consecutive months (provided there is
sufficient balance of overpayments)
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