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Intelligent Finance Mortgage

Interest Rates Schedule
Effective Date 24th May 2004 Proposed rates
    APR Nominal Monthly
Fixed rate Mortgage Fixed Rate 5.6% 5.69% 0.47%
  12 month discount   5.30% 0.44%
  SVR   5.45% 0.45%
         
Tracker Mortgage Tracker Rate 5.5% 4.69% 0.39%
  SVR   5.45% 0.45%

From 25th June 2004 :
  APR Nominal Monthly
Discounted (1st 3 months) 5.8% 4.10% 0.34%
Variable   5.70% 0.48%


updated October 2004:
Offset Mortgage
Interest Rates End Date Rate APR
1.6% discount* 3 months after start date 4.35% 6.10%
Variable mortgage rate - 5.95% (variable)
* The 1.6% discount is off our variable mortgage rate
Item Charge
Arrangement fee £199.00
80% Tracker Rate Mortgage
Interest Rates End Date Rate APR
Tracks the Bank of England's base rate (variable) 31st October 2006 4.75% 5.90%
Standalone variable mortgage rate - 5.95% (variable)
Item Charge
Arrangement fee £349.00
Early repayment charge 2% of amount repaid on or before 31st October 2005
1% of amount repaid on or before 31st October 2006
95% Tracker Rate Mortgage
Interest Rates End Date Rate APR
0.44% above the Bank of England's base rate (variable) 31st October 2006 5.19% 6.00%
Standalone variable mortgage rate - 5.95% (variable)
Item Charge
Arrangement fee £399.00
Early repayment charge 2% of amount repaid on or before 31st October 2005
1% of amount repaid on or before 31st October 2006
Legal and valuation fees contribution If you repay your mortgage on or before 31st October 2006 you'll have to pay a £330 contribution towards the legal and standard valuation fees paid by us at the start of the mortgage - remortgage cases only
Fixed Rate Mortgage
Interest Rates End Date Rate APR
Fixed 31st October 2006 4.95% 5.90%
0.15% discount** 31st October 2007 5.80% (variable)
Standalone variable mortgage rate 5.95%
** The discount is off our standalone variable mortgage rate
Item Charge
Arrangement fee £499.00
Early repayment charge 2% of amount repaid on or before 31st October 2005
1% of amount repaid on or before 31st October 2006
Legal and valuation fees contribution If you repay your mortgage during the fixed rate period you'll have to pay a £330 contribution towards the legal and standard valuation fees paid by us at the start of the mortgage - remortgage cases only


  • Flexible mortgages require a favourable credit record, free online credit check here.
  • Offset Mortgages or remortgages
  • Low introductory rate for 3 months
  • No early repayment fee
  • They pay their conveyancers fees for remortgages
  • Standard valuation fee refunded after completion (remortgages only)
  • Interest calculated on basis of daily balances.
  • Take up to two payment holidays per year.
  • Borrow £25,000 to £1,000,000
  • Borrow up to 95% of value or purchase price of property.
Flexible features
  • Take up to  two payment holidays per year
  • Pay more than your monthly payment
  • Make one off payments whenever you want to.......
  • ......plus withdraw your overpayments.

Apply for an Intelligent Finance Home mortgage
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Intelligent Finance Residential Offset Mortgage
 


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