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Ian Douglas Wordingham is not an employee of Poonam Estates. All mortgage and protection advice is given solely by Ian Douglas Wordingham and NOT Poonam Estates. Ian Douglas Wordingham is a freelance mortgage and insurance broker wholly separate and independent of Poonam Estates.
As an independent and impartial adviser I pride myself on providing simple and straightforward advice on all kinds of mortgages and protection products. I offer specialist mortgage advice on the full range of mortgages for purchase and re-mortgage, including commercial, and many exclusive products not available on the high street.
Here is a list of market leading mortgage rates currently available based on a mortgage size of £200,000 on a capital repayment basis for remortgage over 25 years (varying loan to value limits apply as stated): 60% Loan to Value a. 1.99% 2 year discount, (3.94% lender standard variable rate), £999 lender arrangement fee, £265 basic valuation fee, plus legal costs, early repayment charges 2% in year 1, 1% in year 2, APR 3.70%. b. 4.14% fixed to 31/03/13 (4.99% lender standard variable rate), £495 lender arrangement fee, free valuation, free legals, early repayment charges 3% to 31/03/13, APR 4.90%. c. 4.49% fixed to 02/06/14 (4.24% lender standard variable rate), £995 lender arrangement fee, free valuation, free legals, early repayment charges 4% to 02/06/14, APR 4.50%. d. 4.66% fixed to 31/05/15 (3.50% lender standard variable rate), £945 lender arrangement fee, free valuation, free legals, early repayment charges 4% to 31/05/13, 2% to 31/05/15, APR 4.10%. 75% Loan to Value a. 2.59% 2 year tracker, (3.50% lender standard variable rate), £795 lender arrangement fee, free valuation, free legals, early repayment charges 2% in 1st 2 years, APR 3.40%. b. 4.14% fixed to 31/03/13 (4.99% lender standard variable rate), £495 lender arrangement fee, free valuation, free legals, early repayment charges 3% to 31/03/13, APR 4.90%. c. 4.59% fixed to 31/03/14 (4.99% lender standard variable rate), £499 lender arrangement fee, free valuation, free legals, early repayment charges 5% to 31/03/14, APR 5.00%. d. 4.69% fixed to 31/05/15, (5.79% lender standard variable rate), £995 lender arrangement fee, free valuation, free legals, early repayment charges 4% to 31/05/15, APR 5.50%. 90% Loan to Value a. 5.49% term tracker (5.49% standard variable rate), £1395 lender arrangement fee, free valuation, free legals, no early repayment charges from day 1, APR 5.7%. b. 5.99% fixed to 30/04/12 (4.59% lender standard variable rate), £999 lender arrangement fee, £360 basic valuation fee, plus legal costs, early repayment charges 3% to 30/04/11, 2% to 30/04/12, APR 5.00%. c. 6.69% fixed to 02/06/15 (4.24% lender standard variable rate), £995 lender arrangement fee, £330 basic valuation fee, plus legal costs, early repayment charges 5% to 02/06/15, APR 5.50%.
You can contact me directly on 0208 570 1447 or email me direct at
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or via the Poonam Estates office.
Mortgages are invariably subject to provable income, status, credit score and credit check. Mortgage rates can be withdrawn with little or no notice by mortgage lenders. There may be a fee for mortgage advice, the precise amount of the fee will depend entirely on your circumstances. We estimate that it will be between zero and £1000. An average fee may be £500. Initial research is always free of charge. Before any further work is undertaken any fee, if applicable, will always be confirmed in writing. The Financial Services Authority (FSA) does not regulate most Buy to Let mortgages. Your Home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. All loans are subject to status. Ian Douglas Wordingham is authorised and regulated by the Financial Services Authority. FSA firm reference number is 301984. |