Other Mortgage Types

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There used to be no shortage of mortgage products available on the market. Since the credit crunch, however, many mortgage plans have been withdrawn from the shelves eg. 100% mortgages and many Fixed Rate plans. Irrespective of the housing market slump, there is still a variety of mortgages on offer so it pays to know your ISA from your Interest only.

The main types of mortgages are covered in our Types of Mortgage page.

The three additional mortgages covered here are: More...

LenderRateDurationStandard RateMax LTVTie inProceed
Fixed (no tie-in beyond benefit period)
First Direct Offset5.49%2 years6%80%No OverhangProceed
 
Alliance & Leicester Prime6.14%To Aug 20107.19%75%No OverhangProceed
 
Derbyshire BS (Direct)6.79%To Sep 20187.09%90%No OverhangProceed
 
Fixed (with tie-in beyond the benefit period)
Market Harborough BS (Direct)3.99%2 years7.15%75%OverhangProceed
 
Capped
LenderRateDurationStandard RateMax LTVTie inProceed
Light Adverse Payment History
Skipton BS6.19%To Aug 20186.45%75%No OverhangProceed
 
Ipswich BS6.49%To Aug 20117.24%80%No OverhangProceed
 
Medium Adverse Payment History
Heavy Adverse Payment History
LenderRateDurationStandard RateMax LTVTie inProceed
Discount (with tie-in beyond the benefit period)
Discount (no tie-in beyond benefit period)
HSBC Bank plc (Direct) Purchase5.43%2 years6.25%90%No OverhangProceed
 
Mansfield BS (Direct)5.65%3 years7.19%75%No OverhangProceed
 
Barnsley BS (Direct) Branch only5.69%2 years7.19%85%No OverhangProceed
 
Market Harborough BS (Direct)5.95%Term7.15%75%No RedemptionProceed
 
LenderRateDurationStandard RateMax LTVTie inProceed
HSBC Bank plc (Direct) Purchase5.43%2 years6.25%90%No OverhangProceed
 
First Direct Offset5.49%2 years6%80%No OverhangProceed
 
Alliance & Leicester Prime5.89%2 years7.19%75%No RedemptionProceed
 
Market Harborough BS (Direct)5.95%Term7.15%75%No RedemptionProceed
 
LenderRateDurationStandard RateMax LTVTie inProceed
Direct Line6.39%To Jun 20106.5%95%No OverhangProceed
 
Bank of Ireland 1st Start6.99%To Jul 20137.09%95%No OverhangProceed
 
Bristol & West Mortgages First Start7.19%To Jul 20137.09%95%No OverhangProceed
 
Coventry BS7.39%To Sep 20137.09%95%No OverhangProceed
 
LenderRateDurationStandard RateMax LTVTie inProceed
LenderRateDurationStandard RateMax LTVTie inProceed
Barnsley BS (Direct) BTL6.19%3 years7.19%75%No OverhangProceed
 
Principality BS Buy to Let6.39%To Jun 20107.09%60%No RedemptionProceed
 
Lloyds TSB BTL (Direct)6.54%To Aug 20117%80%No OverhangProceed
 
National Counties BS Investment6.79%To Aug 20137.35%75%No OverhangProceed
 
LenderRateDurationStandard RateMax LTVTie inProceed
Market Harborough BS (Direct)6.1%Term7.15%75%No RedemptionProceed
 
Scottish Widows Bank Offset6.29%2 years6.49%75%No OverhangProceed
 
Yorkshire BS (Direct)6.54%To Jun 20136.9%75%No OverhangProceed
 
LenderRateDurationStandard RateMax LTVTie inProceed
Mansfield BS (Direct)5.9%2 years7.19%75%No OverhangProceed
 
Principality BS Direct5.99%To Jun 20107.09%75%No OverhangProceed
 
HSBC Bank plc (Direct) Fee Free5.99%Term6.25%90%No RedemptionProceed
 

Interest Only Mortgage
ISA Mortgage
Pension Plan & Endowment Mortgage

The number of mortgage approvals fell by more than 40% in November 07 compared to the same month the previous year. Whilst obtaining property finance is becoming increasingly difficult, it should not cause needless concern. Debts believe having the right kind of knowledge is vital when making a mortgage application, so here we lay out the the above mortgages in a concise and easy to understand format.

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