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Mortgage Illustration for Sophora 17/12 - valid as of 17th March 2020
Full T+Cs available from First Mortgage.
Amount and currency of the loan to be granted: £285,600.00.
Duration of the loan: 30 years.
This illustration is based on a mortgage loan for a property purchase.
Repayment Method: Capital repayment
This illustration is provided on Halifax is a division of Bank of Scotland plc's FBF516 1.42% fixed until 30/06/2022 (Homemover Only) No MAF mortgage.
Step 1 of your mortgage is a fixed interest rate of 1.42% that will apply from completion until 30 June 2022.
Step 2 of your mortgage product starts after 30 June 2022, and the rate that will apply is Halifax is a division of Bank of Scotland plc's Standard Variable Rate, currently 4.24% for the remaining term of the mortgage.
This rate will be adjusted within 30 days of a change to the Bank of England base rate.
Total amount to be repaid: £486,163.20
This means that you will pay back £1.70 for every £1 borrowed.
The amount is illustrative and may vary, for example, in the event of changes to interest rates.
Value of the property assumed to prepare this information sheet: £336,000.00
Maximum available loan amount relative to the value of the property: 85.00%.
This means you will be borrowing 85.00% of the property's purchase price.
This Mortgage loan will be secured against this property or an alternative property deemed suitable by the lender.
Restrictions on this mortgage:
The availability of the mortgage product chosen is based on the amount of loan as a percentage of the value of the property. Changes to the loan amount or the property value could alter the availability of this product. If this is the case, please ask for a revised illustration. If the amount you owe under your mortgage comes to exceed the original loan, the lender may charge interest on the excess at Halifax standard variable rate, currently 4.24%.
25 monthly payments at a fixed rate of 1.42% £974.74.
335 monthly payments at a variable rate, currently 4.24% £1,373.42.
Your income may change. Please consider whether you will still be able to afford your monthly repayment instalments if your income falls.
The interest rate on part of this loan can change. This means the amount of your instalments could increase or decrease. For example, if the interest rate rose to 11.49% your payments could increase to £2,826.09.
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Any areas, measurements or distances are approximate. The text, images and plans are for guidance only and are not necessarily comprehensive. It should not be assumed that the property has all necessary planning, building regulation or other consents and Savills have not tested any services, equipment or facilities. Purchasers must satisfy themselves by inspection or otherwise.
These particulars were prepared from preliminary plans and specifications before the completion of the properties. These particulars, together with any images that they contain, are intended only as a guide. They may have been changed during construction and final finishes could vary. The specification may change at any time. The developer will provide details of the specification for individual properties at the time of reservation and following any changes to the specification.
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