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Our fixed rate mortgage offers predictable payments for up to 2 years, so you can plan your budget with confidence. You'll then benefit from a further discounted period, followed by great value for the remaining term.
This mortgage offers:
An attractive rate fixed at 4.95% until 31st March 2007.
Then a further 12 months at a 0.15% discount from our standalone variable mortgage rate, currently 5.80%.
Then our standalone variable mortgage rate for the remainder of the term, currently 5.95%.
The overall cost for comparison is 6.0% APR
Borrow from £25,001 to £1m, up to 80% of the value or purchase price of the property, whichever is lower.
Choose the term of your mortgage, from 5 years upwards (providing the loan's repaid by your 65th birthday).
Interest calculated on the basis of daily balances.
Choose your repayment type: repayment, interest only, or a combination of both.
Fees to pay up front
Arrangement fee:
£499
Possible additional charges
Early repayment charge:
2% of amount repaid on or before 31.03.06
1% of amount repaid on or before 31.03.07
Mortgage discharge fee:
£140
Legal and valuation fees: (remortgages only)
If you repay your mortgage during the fixed rate period, we'll also ask you to pay a £330 contribution towards our legal and standard valuation fees.
Bear in mind: Your home may be repossessed if you do not keep up repayments on your mortgage.
What does it mean?
Repayment:
A type of mortgage where your regular mortgage payment is split between paying
interest and repaying the money you borrowed.
Interest-only:
A type of mortgage where your regular mortgage payment only covers the interest on the loan.
Intelligent Finance is a division of Halifax plc. Registered in England No.2367076. Registered Office: Trinity Road, Halifax, West Yorkshire HX1 2RG. This site is intended only for people who live in the UK and you must be a UK resident to apply for our products.
