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Genesis Home Loans – Genesis Ruby Fixed

Friday January 4, 2002

Fixed term: April 1, 2003.

Fixed rate: 6.74 per cent.

Minimum loan: £25,001.

Maximum loan: Loans of up to 60 per cent of valuation subject to a maximum of £400,000, 61 – 85 per cent subject to a maximum of £250,000.

Income multiples: 3.75 times principal income plus second or 3.25 times joint.

Arrangement fee: £395.

Redemption fee: 5 per cent of advance in year one, 4 per cent in year two, 3 per cent plus £70 in year three, £70 thereafter.

Conditions: Maximum three months&#39 arrears in last 12 months with none in last three months, unlimited number of county court judgements up to £3,000, individual voluntary arrangement satisfied or being well conducted.

Introducer&#39s fee: 1 per cent of loan, minimum £250 maximum £2,500.

Tel: 01832 275044

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