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Terms & Conditions

This website is provided by Artisan Real Estate Investors Limited (Artisan). By using this website you consent to the terms and conditions below.

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.

1. Disclaimer

Whilst reasonable care is taken to ensure that the information contained on this website is accurate, we cannot guarantee its accuracy and we reserve the right to change the information on this website (including these terms and conditions) at any time without notice. You must check these terms and conditions for changes each time you intend to use this website.

Artisan provides this website on an "as is" basis and makes no representations or warranties of any kind with respect to this website or the content contained on it (including any text, graphics, advertisements, measurements, links or other item) and disclaims all such representations and warranties. Opinions expressed on this website are not statements of fact. In addition, neither we nor any other contributor to this website make any representation or give any warranty, condition, undertaking or term either express or implied as to the condition, quality, performance, accuracy, suitability, fitness for purpose, completeness, or freedom from viruses of the content contained on this website or that such content will be accurate, up to date, uninterrupted or error free. Nothing on this website shall be regarded or taken as financial advice.

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. Prospective purchasers should not rely on this information and satisfy themselves by inspection or otherwise.

2. Indemnity

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Save in respect of liability for death or personal injury arising out of negligence or for fraudulent misrepresentation, we and all contributors to this website hereby disclaim to the fullest extent permitted by law all liability for any loss or damage including any consequential or indirect loss or damage incurred by you, whether arising in tort, contract or otherwise, and arising out of or in relation to or in connection with your access to or use of or inability to use this website.

3. Intellectual Property

The copyright in this website and its content belong to Artisan. You may not make a permanent copy of or reproduce this website or any of its contents in any form. You may not reproduce or incorporate this website or any of its contents into any other website. You may only print or cache temporary copies of the content for your own personal non-commercial use. Nothing on this site should be construed as granting any licence or rights to use or distribute any site content without express written agreement.

Artisan welcomes links to this site from relevant third party websites. However, if requested in writing by Artisan, links must be removed within 24 hours.

4. Interruptions and Omissions in This Service

Whilst we take every care to ensure that the standard of this website remains high and to maintain the continuity of it, the Internet is not always a stable medium, and errors, omissions, interruptions of service and delays may occur at any time. As a result, we do not accept any ongoing obligation or responsibility to operate this website (or any particular part of it).

5. Invalidity

If any part of our terms and conditions is unenforceable (including any provision in which we exclude our liability to you) the enforceability of any other part of these conditions will not be affected.

6. Links

This website contains links to third party websites over which Artisan has no control. Artisan assumes no responsibility for the content of third party websites or for any losses which may arise out of use of a third party website. The presence of a link to a third party does not necessarily mean that Artisan endorses that site or has or has not any association with the proprietor of that website.

7. Governing Law

These terms and conditions and your use of this website are governed exclusively by English law and any disputes arising from or in connection with these terms and conditions and your use of this website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

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