Bristol-west.co.uk Mortgage include:
- Basic Standard Variable Rate Mortgages - Available to all new and existing customers
- First Time Buyer Mortgages
- Easyflex (Flexible Mortgages) - The latest and most versatile mortgages of all, easyflex mortgages allow you to take more control of your finances
- Fixed Rate Mortgages - If you'd like to know where you stand, then a fixed rate mortgage helps you to budget ahead for a period of time. Just select one of their fixed rate terms and you will know exactly what your repayments will be for the term of the fixed rate. And, if interest rates go up, you'll have nothing to worry about.
- Variable Tracker Mortgages - Variable Rate Tracker mortgages stay in touch with the Bank of England base rate, so that you can always be sure that you're getting a good deal.
- Buy to Let Mortgages - With the increasing numbers of respectable tenants needing family homes, or a base to live near their work, private landlords are doing well. If you want to buy a property with a view to letting it out at a competitive rate, then Bristol-west.co.uk take into account this income when calculating how much you can borrow (please note borrowers must be over 25). All their products now revert to Bank of England Base Rate ('Base') plus 1.75%.
- Self Certification Mortgages - If you have difficulty proving your income, don't worry. Self Certification mortgages are ideal for you.
- Re-Start (Adverse Credit Mortgages) - If you have a poor credit history, don't worry - a Re-Start mortgage is just for you.
Terms and Conditions - Borrowers must be 21 or over.
- Minimum Loan £25,001, Maximum Loan £500,000 (unless otherwise stated).
- Self-Certification Base Rate Tracker - Equal to 1.75% above Bank Base Rate ('Base').
- A High Loan Fee applies to certain products. This reflects the increased actual risk present in making a loan in excess of their normal limits.
- Minimum Loan £25,001, Maximum Loan £500,000 (unless otherwise stated).
- Re-Start Base Rate Tracker - (equal to 1.75% above Bank Base Rate 'Base' ).
- A High Loan Fee applies to certain products. This reflects the increased actual risk present in making a loan in excess of their normal limits.
Free Legals for Remortgagers Certain products in the Bristol & West mortgage range have the added benefit of Free Legals for Remortgagers package. To make life easier for you, they provide a service to ensure that the legal side of your remortgage (the conveyancing) is carried out by specialist people who can take you through the process as quickly as possible.
Free Legals for Remortgagers package covers:
- All legal fees and disbursements (excluding additional work outside the scope of a standard remortgage)
- Additional leasehold charges
Additional Fees not covered by Free Legals for Remortgagers Package:
- Disbursement Flat Charge (inc.VAT)
- Transfer of equity
- Second & additional charges
- Deed of postponement / grant / variation
- Unregistered title Varies
- Defective title Varies
- Second & additional set of contracts
- Declarations of trust
- Enduring powers of attorney
- Drafting assured / shorthold tenacy agreement
- Removal of charges no charge
- TT of surplus funds per item
- Hourly charge for additional work
Choice of Solicitor
Bristol-west.co.uk have teamed up with LMS who manage a network of 350 local firms covering the UK, to offer free legal services for remortgagers on certain products. Bristol & West and LMS have carefully selected 5 of these firms, all who specialise in domestic conveyancing for fixed fees, to agreed service levels.
If you take one of their qualifying products Bristol-west.co.uk will instruct the solicitor upon receipt of your application.
If you choose to use your own solicitor, you will be responsible for payment of all legal fees.
Complete a mortgage application and return it, indicating that you would like us to instruct LMS on your behalf to work on the legal side of your mortgage. As long as your mortgage transaction is completed, Bristol & West will pay for the legal work carried out. Please note that there may be other associated costs for you to pay.
The Free Legals for Remortgagers package is only available for properties located in England and Wales.
Please note: A charge will be made for further valuation reports, related legal services, transfer of equity, deed of postponement, deed of grant, deed of variation, merger of freehold or leasehold title, change of name, telegraphic transfer of surplus funds to borrower or if an exceptional amount of work is required to correct defective titles.
Mortgages are subject to status and valuation. Written quotations available on request. Borrowers must be 18 or over unless otherwise stated.
Bristol & West plc is regulated by the Financial Services Authority. Regulated Investment Products - Bristol & West plc advises on only the Life Assurance, Pensions and Investment products of Zurich Financial Management Marketing Group.
Bristol & West plc follows The Banking Code, The Mortgage Code and, as a member of the General Insurance Standards’ Council, follows the GISC General Insurance Code for Private Customers. Copies of the Codes are available on request.
Bristol & West plc, One Temple Back East, Temple Quay, Bristol BS1 6DX. Registered in England No. 2124201.
Additional information can be found on the Bristol-west.co.uk Mortgages website.
(See the links above)
Bristol and West Mortgages
