Click here to discover the UK's lowest rate mortgages. Need help? Click here and let our financial team help you find the right mortgage.

---

Mortgage-express.co.uk mortgages include the following products:

Standard

A 95% Bank Base Rate linked mortgage for employed and self-employed people who wish to move home, re-mortgage or buy for the first time.

• no MIG premium, even on the highest LTV of 95%.
• base rate linked
• interest rates linked to the bank of england base rate

Innovative flexible payments system allows you to overpay your mortgage thereby reducing the repayment period and helping you to build up equity in your property. As long as the LTV remains below 95%, you can use overpayments to build up a fund that allows you to underpay, take mortgage breaks, withdraw cash or enjoy tax efficient savings.

• existing property rental income taken into account.
• once costs such as mortgage payments, and those associated with letting your property have been deducted, Mortgage-express.co.uk will take the potential income from renting your existing home into account when we work out how much you can borrow.
• new mortgage on new property up to 95%
• you can borrow up to 95% of the value of your new property.

Firstly, you will need to check with your current lender about letting your existing home, before finding a new property to buy.

conditions of the mortgage:

• you must have a deposit of at least 5% of the value of your new property.
• your property must be let on an assured shorthold (short assured in Scotland) tenancy agreement. Multiple tenancies and DSS or diplomatic immunity lets are not acceptable.
• you are advised to use a professional letting agency, such as Bradford & Bingley Estate Agents, or a member of the Association of Residential Letting Agents (ARLA).

let and buy

a solution for people who need to move home but who can't or don't want to sell their existing property. Ideal for homeowners who need to move because of job relocation.

• no MIG premium, even on the highest LTV of 95%.
• base rate linked
• interest rates linked to the Bank of England base rate

Innovative flexible payments system allows you to overpay your mortgage thereby reducing the repayment period and helping you to build up equity in your property. as long as the LTV remains below 95%, you can use overpayments to build up a fund that allows you to underpay, take mortgage breaks, withdraw cash or enjoy tax efficient savings

buy to let

An award-winning mortgage for people who want to invest long-term in property. Now available with access to high quality letting management services on exclusive terms through sister company bradford and bingley letting agents.

• finance for an unlimited number of properties
• maximum total Buy-to-Let lending of £2 million and maximum per single loan of £1 million.
• rent must cover at least 130% of the monthly mortgage payment on an interest-only basis. Proof of income is not required.
• available on a full-status and non-status basis
• no assignment of life cover needed; no investment vehicle required to back interest-only mortgages. Non Status is intended for UK expatriates and foreign nationals
• innovative flexible payments system allows you to overpay your mortgage. when the LTV is below 85% (full status) or 70% (non status), you can use the overpayments to build up a fund that allows you to underpay, take mortgage breaks, withdraw cash or enjoy tax efficient savings.
• access to high quality professional letting management services on exclusive terms through sister company bradford and bingley letting agents.
• access to funds quickly and simply up to maximum LTV.

100%+

A 100%+ bank base rate linked mortgage for employed people who wish to move home, remortgage or buy for the first time, but who don't have a deposit saved.

• no MIG premium, even on the highest LTV of 105% (102% for first time buyers or those who haven’t had a mortgage within the last 2 years).
• interest rates linked to the bank of england base rate.
• innovative flexible payments system allows you to overpay your mortgage, thereby reducing the repayment period and helping to build up equity in your property. when the LTV is below 95% you can use overpayments to build up a fund that allows you to underpay, take mortgage breaks, withdraw cash or enjoy tax efficient savings.

negative equity

Enables people with negative equity to borrow up to 130% to re-mortgage or purchase a new property.

• up to 130% LTV without MIG premium.
• interest rates linked to the bank of england base rate
• innovative flexible payments system allows you to overpay your mortgage and reduce your negative equity. when the LTV is below 95% you can use overpayments to build up a fund that allows you to underpay, take mortgage breaks, withdraw cash or enjoy tax efficient savings.

self cert

The Mortgage-express.co.uk new 'true' self certification mortgage requires no proof of income and is ideal for the self employed, those with numerous sources of income or simply for people who may not have the time to produce proof of income.

• available to self employed and PAYE
• no evidence of income required
• no MIG premium, even on the highest LTV of 90%.
• interest rates linked to the bank of england base rate.

Innovative flexible payments system allows you to overpay your mortgage, thereby reducing the repayment period and helping you to build up equity in your property. As long as the LTV remains below 90%, you can use overpayments to build up a fund that allows you to underpay, take mortgage breaks, withdraw cash or enjoy tax efficient savings.

horizon

A 95% bank base rate linked flexible mortgage for both employed and self employed people who wish to move home, remortgage or buy for the first time.

• no MIG premium even on the highest LTV of 95%.
• interest rates linked to the Bank of England Base Rate, offering a competitive rate of interest.
• no redemption penalties or tie-ins.

Innovative flexible payments system allows you to overpay your mortgage by any amount, thereby reducing the repayment period and helping you to build up equity in your property. As long as the LTV remains below 95%, you can use overpayments to build up a fund that allows you to underpay, take mortgage breaks, withdraw cash or enjoy tax efficient savings.

Additional information can be found on the Mortgage-express.co.uk Mortgages website.
(See the links above)

Click below for :
Mortgage Express Mortgages