Capital Home Loans

What are mortgage intermediaries?

Intermediaries are organisations or individuals that specialise in arranging mortgages for their customers via a range of mortgage providers, but who do not provide mortgages of their own.

Capital Home Loans offer the following types of mortgage:

• Buy to Let Fixed
• Buy to Let Flexible Tracker
• Self Certification
• Full status products

Buy to Let Fixed: your mortgage will be fixed at a set rate. After the fixed period has concluded, your rate will go back to the Bank base rate plus a set charge.

• The maximum loan is 85% LTV
• There is an early repayment charge during the fixed rate period
• A completion fee is payable

Buy to Let Flexible Tracker: your mortgage is set according to the Bank base rate with a charge added for a set period. After the flexible tracker period has over, your rate will relapse to the Bank base rate plus a higher charge.

• There is also a mortgage product that tracks the Bank base rate for the entire term
• The maximum loan depends on which flexible tracker product you choose
• There is an early repayment charge
• A completion fee is payable

Self Certification: these products are only offered for the self employed. You can choose between fixed, discount flexible and flexible self certification mortgages:

Fixed: your rate will be fixed for an agreed period, after which your mortgage will track the Bank base rate in addition to a charge.

Flexible Discount: your mortgage is set according to the Bank base rate plus a charge for a set period. After the flexible tracker discount period is over, your rate will be set to the Bank base rate plus a higher charge.

Flexible Term: your mortgage rate is set based on the Bank base rate plus a charge for a term of your mortgage.

• The maximum loan depends on which self certification product you select
• There is an early repayment charge
• A completion fee is payable
• You will need to have been self employed for at least 1 year

Full status products: you can choose between two flexible tracker products:

Flexible: your mortgage is set according to the Bank base rate plus a charge for an agreed interval, after which your rate will be set at the Bank base rate plus a higher set charge.

Flexible Term: your mortgage rate is set based on the Bank base rate, with an added charge for a term of your mortgage.

• The maximum loan depends on which full status product you choose
• There is an no early repayment charge
• A completion fee is payable
• Minimum period of employment is 3 months

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