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Latest Mortgage Rates and Deals

 

Intercounty do not sell or advise on mortgages but instead work very closely with Embrace Financial Services and introduce you to them.  The rates below are examples of rates that could be available if you meet certain criteria and once you have spoken to one of their advisers.  Contact Embrace Financial Services for further information.

Product Initial Interest Rate Until Follow On Interest Rate Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
Purchases Only - 3.94% Fixed until 31/03/2023 3.94% 31/03/2023 4.24% 95% 4.23% (APRC) £0 More Details
Purchases Only - 2.39% Fixed until 31/05/2023 2.39% 31/05/2023 3.75% 90% 3.27% (APRC) £0 More Details
Purchases & Remortgages - 1.39% Fixed until 31/05/2020 1.39% 31/05/2020 3.94% 85% 3.61% (APRC) £900 More Details
Remortgages Only - 1.50% Fixed until 30/06/2020 1.5% 30/06/2020 3.99% 80% 3.65% (APRC) £999 More Details
Purchases Only - 1.92% Fixed until 31/07/2023 1.92% 31/07/2023 3.99% 75% 3.27% (APRC) £995 More Details
BTL Purchases & Remortgages - 2.99% until 31/05/2020 2.99% 31/05/2020 4.99% 75% 4.93% (APRC) £1995 More Details
Purchases Only - 3.94% Fixed until 31/03/2023
Initial Interest Rate Until Follow On Interest Rate
3.94% 31/03/2023 4.24%
Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
95% 4.23% (APRC) £0
Book an Appointment

Features:

Maximum loan: £250,000

Representative example:

A mortgage of £142,500 payable over 25 years, initially on a fixed rate for 5 years at 3.94% and then on a variable rate of 4.24% for the remaining 20 years would require 59 monthly repayments of £747.45 then followed by 241 monthly payments of £767.21. The total amount repayable would be £229,480.16 including interest. The overall cost for comparison is 4.23% APRC representative.

Incentives:

No booking fee

No arrangement fee

Free basic valuation

Early repayment charges:
Tapered Early Repayment Charges: 5/5/4/3/2% until 31/03/2023.

Purchases Only - 2.39% Fixed until 31/05/2023
Initial Interest Rate Until Follow On Interest Rate
2.39% 31/05/2023 3.75%
Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
90% 3.27% (APRC) £0
Book an Appointment

Features:

Maximum loan: £450,000

Representative example:

A mortgage of £142,500 payable over 25 years, initially on a fixed rate for 5 years at 2.39% and then on a variable rate of 3.75% for the remaining 20 years would require 61 monthly repayments of £631.41 followed by 239 monthly payments of £713.34. The total amount repayable would be £209,234.27 including interest. The overall cost for comparison is 3.27% APRC representative.

Incentives:

No booking fee

No arrangement fee

Early repayment charges:
Tapered early repayment charges: 5/4/3/3/2% until 31/05/2023.

Purchases & Remortgages - 1.39% Fixed until 31/05/2020
Initial Interest Rate Until Follow On Interest Rate
1.39% 31/05/2020 3.94%
Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
85% 3.61% (APRC) £900
Book an Appointment

Features:

Maximum loan: £400,000

Representative example:

A mortgage of £142,500.00 payable over 25 years, initially on a fixed rate for 2 years at 1.39% and then on a variable rate of 3.94% for the remaining 23 years would require 25 monthly repayments of £566.17 followed by 275 monthly payments of £736.63. The total amount repayable would be £217,151.50 including interest and fees (£900, Arrangement Fee). The overall cost for comparison is 3.61% APRC representative.

Incentives:

No booking fee

Free basic valuation

Free legals for remortgages

Early repayment charges:
Tapered early repayment charges: 2/1% until 31/05/2020.

Remortgages Only - 1.50% Fixed until 30/06/2020
Initial Interest Rate Until Follow On Interest Rate
1.5% 30/06/2020 3.99%
Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
80% 3.65% (APRC) £999
Book an Appointment

Features:

Maximum loan: £1,000,000

Representative example:

A mortgage of £142,500.00 payable over 25 years, initially on a fixed rate for 2 years at 1.50% and then on a variable rate of 3.99% for the remaining 23 years would require 26 monthly repayments of £573.90 followed by 274 monthly payments of £740.83. The total amount repayable would be £217,908.82 including interest and fees (£999, Arrangement fee). The overall cost for comparison is 3.64% APRC representative.

Incentives:

No booking fee

Free basic valuation

£250 Cashback

Early repayment charges:
Tapered early repayment charges: 1.75/0.8% until 30/06/2020.

Purchases Only - 1.92% Fixed until 31/07/2023
Initial Interest Rate Until Follow On Interest Rate
1.92% 31/07/2023 3.99%
Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
75% 3.27% (APRC) £995
Book an Appointment

Features:

Maximum loan: £1,500,000

Representative example:

A mortgage of £142,500 payable over 25 years, initially on a fixed rate for 5 years at 1.92% and then on a variable rate of 3.99% for the remaining 20 years would require 63 monthly repayments of £602.64 followed by 237 monthly repayments of £725.17. The total amount repayable would be £210,227.11 including interest and fees (£995, Arrangment fee). The overall cost for comparison is 3.27% APRC representative.

Incentives:

No booking fee

Free legals

£250 Cashback

Early repayment charges:
Tapered early repayment charges: 4/4/3/2/1% until 31/07/2023.

BTL Purchases & Remortgages - 2.99% until 31/05/2020
Initial Interest Rate Until Follow On Interest Rate
2.99% 31/05/2020 4.99%
Maximum Loan To Value (LTV) The overall cost for comparison is Lender’s Arrangement Fee
75% 4.93% (APRC) £1995
Book an Appointment

Features:

Maximum loan: £1,500,000

Representative example:

A mortgage of £142,500 payable over 25 years, initially on a fixed rate for 2 years at 2.99% and then on a variable rate of 4.99% for the remaining 23 years. This would require 25 monthly repayments of £360.03 then followed by 275 payments of £600.86. The total amount repayable would be £318,941.90 including interest and fees (£1,995, Arrangement fee). The overall cost for comparison is 4.93% APRC representative. You will still owe £142,500 at the end of the mortgage term. You will need to make separate arrangements to repay this. When comparing the payments on this mortgage with a repayment mortgage, remember to add any money that you may need to pay into a separate savings plan to build up a lump sum to repay this amount.

Incentives:

No booking fee

Free basic valuation

Early repayment charges:
Tapered early repayment charges: 3/2% until 31/05/2020.

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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Embrace Financial Services usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.