Exclusives
Here’s a great reason to use Complete FS as your specialist distributor – here are our latest lender exclusive products or criteria which can also be found on the sourcing systems 27Tec and Trigold
Semi-Exclusive
- Rates from 2.49%
- LTV’s up to 85%
- For customers with less than perfect credit
- For customers with complex income types
- For customers who are self-employed
- For customers looking for new build properties
Residential Pepper 12 & Pepper 6
- Rates from 4.93%
- LTV’s enhanced by 5% from core range to up to 85%
- Proc Fee - 0.40%
- Pepper 12 – 0 CCJ’s Defaults in last 12 months
- Mortgage Arrears 0 in last 12 months
- Pepper 6 – 0 CCJ’s/Defaults in last 6 months, 2 in 12 months
- Mortgage Arrears 0 in last 12 month
Residential DMP’s to 85% LTV
- Rates from 3.15% 2 Year Fixed
- Rates up to 0.80% LOWER than core range
- Up to 85% LTV + Lenders Fee (£995)
- Proc Fee 0.50%
- The DMP can remain post completion
- Can have adverse since the DMP
- Defaults - Up to 5 in 24 months - no limit thereafter
- CCJ’s - Up to 3 in 24 months
- Can consider payday loans
5 year Fixed Rate Residential
- Rate 4.99% for 5 Years (usually its 7.12%)
- Proc Fee 0.50%
- Max LTV 75%
- CCJs, defaults and secure arrears considered
- All property types considered inc non-standard
- Interest Only available
- Employed, self-employed, contract workers, zero hour contracts, retired, benefits and DWP accepted
- First time buyers accepted
Select Residential 95% LTV FEE FREE!
- 5.19% Fixed for 2 Years to 95% LTV
- Proc Fee 0.40%
- No completion Fee
- Free valuation
- Consider up to 100% of bonus income
- Debt Management Plans and Payday Loans older than 1 year
- Defaults accepted in over 3 years
Select Residential 95%
- 5.09% Fixed for 2 Yrs, 5.44% Fixed for 5 Yrs
- Proc Fee 0.40%
- £1,299 completion Fee
- Consider up to 100% of bonus income
- Debt Management Plans and Payday Loans older than 1 year
- Defaults accepted in over 3 years
2 and 3 year Fixed Rate Buy-to-Let
- Rate 6.99% to 65% LTV, 7.49% to 75%LTV
- Proc Fee from 0.875% to 1.25%
- Maximum LTV on remortgage 70% and purchase 75%
- Most property types accepted, inc non standard construction
- Low value properties also acceptable
- No maximum age where rental income meets or exceeds the required interest coverage ratio (ICR)
- Employed, self-employed, contract workers, zero hour contracts, retired, benefits and DWP accepted
- Lending in retirement – accepted
5 year Fixed Rate Buy-to-Let
- Rate 3.49% fixed Standard Property (usually its 3.54%)
- Rate 3.59% fixed Small HMO/MUFB (usually its 3.70%
- Rate 3.79% fixed Large HMO/MUFB (usually its 3.92%)
- Proc Fee 0.45%
- ICR stress at pay rate
- HMO’s to 15 bedrooms, MUFB’s to 10 units
- Will lend to trading businesses, no debenture
5 year Fixed Rate Buy-to-Let
- Rate 3.49% fixed
- Up to 75% LTV
- £3,495 Product fee
- Loans - £200,000 to £500,000
- ERC - 4%, 4%, 3%, 3%, 2%
- Any limited company, trading or SPV
- No income varification on BTLunless topping up
- Portfolio Landlords up to £4m/20 properties with Vida
- Rental Top-up from 115%
- Capital Raising to repay bridging loan allowed
Rates from 6.99% Commercial Exclusive
- Proc Fee 0.75%
- Up to 70% LTV
- Adverse credit accepted
- First time owners/landlords accepted
- Most property types accepted
- Loans between £30K and £1.5M
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