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Limited near prime mortgage – free valuations and no product fees

Free valuations and no product fees

New Limited near prime mortgage – free valuations and no product fees. Have you seen the latest from Pepper?

We think it’s really great – especially if you have a potential case on your desk now.
Here’s an overview

Residential re-mortgages:

  • Free Valuations on 2 & 5 year fixed rate products
  • £0 completion fee on 2 year fixed product
  • Free standard legals on all re-mortgages
  • DMP’s accepted
  • Other reduced rates on selected products in Residential range
  • Capital Raising/Debt Consolidation to max LTV
  • Let to Buy – no additional rules
  • Rates from 2.90%
  • 100% cash gifted deposit considered

Buy to Let mortgages

  • 5 year fixed rate 75% LTV product at 3.30% with £1,995 flat fee
  • Rates from 3.28% on 5 year fixed for customers with ccjs or defaults 48 months ago
  • BTL landlords with existing portfolios not penalised on affordability check
  • No limit on CCJ’s/don’t have to be satisfied (0 in last 6 months)
  • Interest Only all products
  • Minimum earned Income £18k – can be combined of both applicants

Promise can package cases for you on these terms so please give the team a call on 01902 275297

www.promisemoney.co.uk

01902 585052

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2 out of 3 borrowers get a lower rate than our representative example of a regulated secured loan below:

Mortgages and Remortgages

Representative example

£80,000 over 240 months at an APRC OF 4.3% and a discounted variable annual interest rate for two years of 2.12% at £408.99 per month followed by 36 payments of £475.59 and 180 payments of £509.44. The total charge for credit is £39,873 which includes a £995 broker / processing fee and £125 application fee. Total repayable £119,873.

Secured / Second Charge Loans

Representative example

£63,000 over 228 months at an APRC OF 6.1% and an annual interest rate of 5.39% (Fixed for five years – variable thereafter) would be £463.09 per month, total charge for credit is £42,584.52 which includes a £2,690 broker / processing fee. Total repayable £105,584.52.

Unsecured Loans

Representative example

£4,000 over 36 months at an APR OF 49.9% (fixed) and an annual interest rate of 49.9% would be £216.21, total charge for credit is £3,783.56. Total repayable £7,783.56.


THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME

REPAYING YOUR DEBTS OVER A LONGER PERIOD CAN REDUCE YOUR PAYMENTS BUT COULD INCREASE THE TOTAL INTEREST YOU PAY. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.


If you have been introduced to Promise Money by a third party / affiliate, Promise may pay them a share of any fees or commission it earns. Written terms available on request. Loans are subject to affordability status and available to UK residents aged 18 or over. Promise Money is a trading style of Promise Solutions Ltd. Promise Solutions is a broker offering products which represent the whole of the specialist second mortgage market and is authorised and regulated by the Financial Conduct Authority – Number 681423.

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