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2003 card consolidation credit
- 1 CCJ, medium adverse - 2 CCJs and 1
default, heavy adverse - 3 CCJs and 2 defaults
Derbyshire BS 0871 855 0554 5.5% March 2010 6% 6.2% APR 90% No
overhang Our opinion: LIGHT ADVERSE TRACKER a good loan to
value ratio with a reasonable fee of 599. Will accept
applicants with 1 satisfied CCJ up to 500 and 1
unsatisfied CCJ up to 500. [John Myers] credit free online report
0871 855 0996 5.54% 2 Years 7.54% 7.4% APR 75% No overhang
Our opinion: LIGHT ADVERSE DISCOUNT low fee of 350 and
some good incentives such as a refund of valuation fee up to
400 and no early repayment charge. Applicants with up to
two satisfied CCJs of up to 500 in total will be
considered. [John Myers] National Counties BS 0871 855 1735
5.34% May 2013 7.59% 7% APR 80% No overhang credit federal first service
Our opinion: LIGHT ADVERSE FIXED reasonable fee of
695 and will accept 1 satisfied CCJ up to 250.
[John Myers] Norwich Peterborough BS 0871 855 1586 6.29%
2 Years 7.5% 7.5% APR 80% No overhang Our opinion: MEDIUM
ADVERSE - TRACKER a special broker-only deal with reasonable
599 fee and flexible lending criteria. Will accept any
number of satisfied or unsatisfied CCJs as long as the total
value is under 2, 000. [John Myers] consumer credit service
Manchester BS 0871 855 1549 6.19% 3 Years 6.5% 6.7% APR 80%
No overhang Our opinion: MEDIUM ADVERSE - FIXED a product from
a less well-known Society that has a low 495 fee and
good income multiples. Bankruptcy and IVAs over three years old
ignored, CCJs of up to 2, 000 allowed as long as there
have been no more arrears in the last six months. [John Myers]
Salt Finance 0871 855 1498 6.79% Mar 2011 7.75% 7.8% APR 75% No
overhang center credit family service
Our opinion: MEDIUM ADVERSE LIBOR TRACKER CCJs to a maximum
value of 7, 500 within the last 2 years are permitted,
as well as bankruptcies and IVAs that are discharged or
satisfied. [John Myers] credit reporting service
Chelsea BS 0871 855 1282 6.49% Apr 2010 7.49% 7.6% APR 75%
No overhang Our opinion: HEAVY ADVERSE FIXED Chelsea BS offers
a range of adverse credit products. The fee is 995 and
this will be added to your loan. All levels of CCJs will be
considered, as will people with a current satisfactory IVA.
[John Myers] First National 0871 855 1235 7.84% 3 Years 8.34%
8.6% APR 75% No overhang Our opinion: HEAVY ADVERSE FIXED First
National are part of the General Electric Company so they have
secure backing. This product has a fixed fee of 995 and
will accept unlimited CCJs and defaults will be ignored. Higher
loan to value products are available at a higher interest rate
too. [John Myers] cca credit division service
0871 855 1135 7.39% Mar 2011 8.75% 8.7% APR 75% No overhang
Our opinion: HEAVY ADVERSE LIBOR TRACKER another adverse
product from Salt, with a fee of 895 but more flexible
lending criteria. Defaults, CCJs and missed payments will be
ignored. Discharged bankrupts and satisfactory IVAs will also
be accepted. [John Myers] credit free report service
Buy to Let
Giraffe Money 0871 855 1735 5.57% October 2010 7% 7.1% APR
85% No overhang card credit customer discover
Our opinion: TRACKER a good loan to value ratio, with higher
lending charge being paid by provider. Arrangement fee of
999 however the lending fee of 195 which is due
on completion may be deferred until the mortgage is fully paid.
[John Myers] credit repair report service
0871 855 1235 6% 2 Years 6.95% 7.1% APR 85% No overhang Our
opinion: TRACKER good loan to value ratio in mortgage
specifically tailored for Buy to Let customers from a
well-known building society. There is a fee of 999 for
this product; however the provider also offers another mortgage
with a smaller arrangement fee which has a corresponding higher
interest rate. [John Myers] 0871 855 1730 6.25% 2 Years 7% 7.2%
APR 75% No overhang credit legal repair service
Our opinion: TRACKER a competitive interest rate of 6.25%
with no arrangement fee. The minimum loan amount is 30,
000 and you must be at least 25 years of age. [John Myers]
Darlington BS 0871 855 0820 5.69% May 2011 7.37% 7.3% APR 80%
No overhang Our opinion: DISCOUNT an average (for BTL) fee of
674 and decent loan-to-value make this a good offering
from a smaller provider. You will need 134% rental cover and
the maximum loan is 300, 000. [John Myers] cic credit monitoring service
Bath BS 0871 855 1549 6.1% 3 Years 7.5% 7.7% APR 80% No
overhang Our opinion: DISCOUNT arrangement fee of 0.4% of the
loan (minimum 395) is reasonable and the maximum loan
size is 2.2 million. Requires 125% rental cover. [John
Myers] 0871 855 1498 6.2% March 2011 7.5% 7.5% APR 85% No
overhang Our opinion: DISCOUNT a good loan to value ratio with
reasonable 599 application fee. No higher lending charge
is payable, and has the option to pay up to 10% in overpayments
per year with no early repayment charges. [John Myers] ccs credit division service
0871 855 1121 5.59% May 2013 7.85% 7% APR 80% No overhang
Our opinion: FIXED - a good loan to value ratio for Buy to Let
properties, with a low fixed rate and average fee of
695. [John Myers] Cheshire BS 0871 855 0848 5.65% 2
Years 7.34% 7.4% APR 80% No overhang Our opinion: FIXED only
100 of arrangement fee is payable on application. The
remaining 1, 399 will be added to the mortgage with no
interest charged for the first 12 months. Available to
applicants aged 25 and over who have a single income of at
least 20, 000. Featured in the Mail on Sunday (17-02-08)
Best Buy tables. [John Myers] credit service union worker
The Mortgage Works 0871 855 1135 5.99% June 2013 7.24% 7%
APR 85% No overhang Our opinion: FIXED a longer term fixed rate
ideal for those who don want to remortgage frequently. No
arrangement fee or higher lending charge is payable. [John
Myers] 1st credit service union
Fixed/Capped
first direct 0871 855 1735 4.75% 2 Years 6.25% 6.3% APR 80%
No overhang Our opinion: FIXED very low rate that comes with an
offset facility so you can use your savings to reduce the
amount of interest you pay on the mortgage. The maximum loan
size is 300K and there is a fee of 1, 498. This
product has appeared in the Sunday Telegraph (17-02-08), Mail
on Sunday (17-02-08) and Sunday Times (17-02-08) Best Buy
tables. [John Myers] card chase credit customer
0800 066 5802 5.25% March 2010 7.59% 7.6% APR 95% No
overhang Our opinion: FIXED great value 2 year fixed rate up to
95% of property value, with a reasonable fee. Exceptionally
good value for 90% and 95% mortgages as unusually there is no
rate loading or higher lending charge for higher loan to value.
[John Myers] 0871 855 1730 5.29% April 2013 6.75% 6.3% APR 95%
No overhang Our opinion: FIXED a low arrangement fee of
499 with a good loan to value ratio. However if you
borrow over 90% of the loan to value there is a higher lending
charge of 1.5% of your total borrowing. [John Myers] card chase credit service
Dunfermline BS 0871 855 1599 5.29% May 2013 7.39% 6.6% APR
90% No overhang Our opinion: FIXED a competitive interest rate
from a smaller provider with a reasonable arrangement fee of
599. [John Myers] 0871 855 1735 5.39% 3 Years 6.54% 6.5%
APR 90% No overhang Our opinion: FIXED low arrangement fee of
499 with free valuation for all customers. There are no
legal fees to pay for remortgages. Also has the ability to
offset your savings against the mortgage to reduce the interest
payable. Featured in the Mail on Sunday (17.02.2008) Best Buy
tables. [John Myers] citi credit monitoring service
0871 855 1586 5.39% 2 Years 7.34% 7.3% APR 95% No overhang
Our opinion: FIXED has an arrangement fee of 1, 499,
however only 100 is payable on application and the
remaining 1, 399 will be added to the loan on completion
with no interest charged for the first 12 months. No higher
lending charge if you borrow up to 90% loan to value. For loans
over 90% loan to value there will be a higher lending charge
but this can also be added to the loan. [John Myers] credit plus service union
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