We are delighted to be able to offer 100% Parent Assisted Mortgages

Caz Blake-Symes • February 19, 2019

A fantastic mortgage to enable parents to help their children onto the property ladder

This type of mortgage will suit parents who want to help their children get onto the property ladder, but they don't have the spare funds for a full deposit. The lender will require a collateral charge over the parental property.

100% Parent Assisted Mortgages

Lending Criteria

Loan size Minimum £50,000, Maximum £350,000.

Term: Minimum 5 years, Maximum 40 years.

Repayment: Capital Repayment Only.

Property Minimum Value: £100,000. Must be in England or Wales.

Applicant Age: Minimum 21, Maximum 85, subject to income in retirement.

Minimum income of £20,000, no minimum period of employment but must have passed probation, or self-employed for at least 3 years

Parental Income is not considered when deciding how much we will lend

Please call one of our team in Bristol, Bath or Exeter for a full personal illustration

Example: AA mortgage of £304,000 taken out for a period of 29 years on a repayment basis.

Monthly instalments: £1,385.29 per month for 35 months, followed by £1,714.56 per month for 312 months. Total amount payable, including fees: £585,613.87

Over and above our fee of £490 the lender’s fees will include a product fee £1,216.00, valuation fees of up to £395, administration fee £125, closing fee £100, collateral valuation fee £125 and completion fee £75.

3.44% variable for 3 years followed by Standard Variable Rate (SVR), currently 5.44%. The example is based on a typical mortgage and assumes that fees are not added to the mortgage.

The actual rate and APRC for the case will depend on the circumstances of the case and our assessment of the risk.

Early redemption fees = 3% in years 1 & 2 , 2% in year 3, plus a Closing Administration Fee (currently £100.

Remember as an Independent Mortgage Broker, we are regulated to offer you the best advice.

For expert advice and more information or to book your FREE consultation please visit one of our websites, call or email.

Bristol Mortgages Online www.bristolmortgagesonline.com Tel 0117 325 1511

Bath Mortgages Online www.bathmortgagesonline.com Tel 01225 584 888

Exeter Mortgages Online www.exetermortgagesonline.com Tel 01392 690 888

Email info@swmortgages.com

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.

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