Unique Homes

If your clients are buying, or already own, an unusual property, we will be pleased to talk to you about a mortgage. We may be able to lend up to 65% of the value of the property. In the past we have lent on medieval houses, barns, timber properties, converted mills and lighthouses, cottages in need of refurbishment and properties that combine both a residential and retail/commercial use.

The Key features of this mortgage are detailed below. In addition to this, copies of our Tailored Mortgages and Mortgage Information leaflets are available as a PDF download.

For further details and to discuss your clients requirements please contact our Mortgage Department on 01582 765 411 or email mortgages@harpendenbs.co.uk.

pdf iconTailored Mortgages Leaflet PDF2.2MB
pdf iconMortgage Information Leaflet PDF2.4 MB
You will need to have Adobe Acrobat Reader installed on your computer to view or print any of our forms. Click here to download.

This mortgage will be regulated by the Financial Services Authority (FSA). Follow this link for information regarding Mortgage Regulation.

Building insurance cover is required and can be arranged by the Society.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The Society is authorised and regulated by the Financial Services Authority
Terms
Minimum loan: £10,000
Maximum loan: £1,000,000
Value of property: Not less than £75,000
Max Loan to Value: 65% of the property value
Current variable rate: From 4.94% *
Overall cost for comparison: 5.2% APR *
Leasehold: Plus 0.15% to above rates
Portable: Yes
Ages: Minimum 18 - no maximum
Income capacity: Based on affordability
Property location: England and Wales
Repayment methods: Repayment, interest-only, part & part
Administration Fee: £25
Arrangement Fee: Refer
Valuation Fee: Refer
Legal Fee: Refer
Deeds Release fee: £50
Redemption Fee: £75
Available for new purchase: Yes
Available for remortgage: Yes
Early repayment charge: For the first 3 years