Page 13 - Hayman-Joyce

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3.2
Pleased to be working in
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association with our friends at

Hayman-Joyce Estate Agents
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Times salary is the average ratio
borrowed by irst-time buyers.
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We are a irm on Independent Financial Advisers based on
the Oxfordshire / Gloucestershire border servicing clients
right across the UK. Our advisers have in excess of 60 years C
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experience across a range of inancial planning matters.
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We established the business to meet the specialist needs

of our clients and relecting the changing climate of inancial
services. Being Independent means that we can offer advice U
Months until the Bank of England is
from the whole range of products available, and that we are
lexible on how we are paid.
most likely to raise interest rates.
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We advise on all aspects of personal inancial planning,
£140
including life cover, investments and savings, pensions and C
including life cover, investments and savings, pensions and

retirement planning, mortgages, and inheritance tax planning.
Our clients include individuals as well as small businesses.
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Difference in monthly repayments on
All our advisers are qualiied and some hold qualiications for E
advising on more specialist matters, pensions, equity release a £500,000 Halifax mortgage should
and tax affairs.
rates rise by 0.5 per cent.

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3%

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Cotswold Financial Planning Ltd

10a Astley House, Cromwell Park, Banbury Road, U
Chipping Norton Oxon OX7 5SR
Level at which the Bank of England
Tel: 01608 651608 • Fax: 01608 643096 base rate will peak, according to
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Email: admin@cotswoldfp.co.uk
analysts, rather than 5 per cent in
www.cotswoldinancialplanning.co.uk
pre-credit crunch days.

Fixed Rates - 5 Years / Variable, Including Tracker And Discount

Lender
Rate
Until
Rev. APR
Max. HLC
ERC
Product Exit Notes
Rate
LTV
Fee
Fee
NatWest
2.95%
31/7/19
4.00%
3.8% APR
60%
None
5/4/3/2/1% to 31/7/19. Can repay up to 10% p.a. ERC free.
£995
Nil
On remortgages free legal fees
Post Ofice
2.98%
31/3/19
4.49%
4.3% APR
75%
None
5% to 31/3/19. Can repay up to 10% p.a. ERC free.
£1,475
£195
Hinckley & Rugby
3.55%
5 years
5.64%
5.4% APR
80%
None
Nil
£990
£150
Free valuation. On remortgages free legal fees.

Leeds
3.79%
30/4/19
5.69%
4.3% APR
85%
None
5/5/4/3/12% to 30/4/19. Can repay up to 10% p.a. ERC free
£999
£199
Yorkshire B S
4.34%
30/4/19
4.99%
4.9% APR
90%
None
4/4/3/2/1% to 30/4/19. Can repay up to 10% p.a. ERC free
£975
£90
Flexible.
Santander
5.49%
2/5/19
4.74%
4.9% APR
95%
None
5% to 2/5/19 + £250 to 2/3/16. Can repay up to 10% p.a. ERC free
Nil
£225
Purchase only. Free valuation and £250 cashback

Coventry
2.00%
Term
N/A
2.1% APR
65%
None
Nil
£999
£125
Free valuation. On remortgages free legal fees.
Flexible.
Hanley
1.99% 2 years
5.19%
5.1% APR
80%
None
2% in 2 years.
£250
£56
Free valuation up to £250K.
(3.2% disc)
Can repay up to 25% p.a. ERC free
£250 cashback.
Coventry
2.75%
Term
N/A
2.8% APR
85%
None
Nil
£999
£125
Free valuation. On remortgages free legal fees.
Flexible.
3.25% 3% in 2 years.
Furness
(2.19% disc)
3 years
5.44%
5.2% APR
90%
None
Can repay up to 10% p.a. ERC free
£999
£90
On remortgages free valuation and free legal fees.
4.19% 2% in 2 years.
Purchase only. Free valuation up to £250K.
Hanley
(1.0% disc)
2 years
5.19%
5.2% APR
95%
None
Can repay up to 25% p.a. ERC free
£250
£56
£250 cashback.