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Godiva Mortgages – 5.2% Fixed to 31.12.11

Godiva Mortgages – 5.2% Fixed to 31.12.1

Type: Fixed-rate mortgage

Fixed term: Until December 31, 2011

Fixed rate: 5.2%

Minimum loan: £25,001

Maximum loan: Up to 65% of valuation subject to a maximum of £1m

Income multiples: Rental income must be at least 125% of the mortgage repayments

Conditions: Capital repayments of up to 5% a year allowed without penalty, one free valuation up to £670, free legal fees if in-house solicitor used or £200 contribution towards legal costs

Arrangement fee: £1,000 plus £250 booking fee

Redemption fee: 4% of the amount repaid in the first two years

Introducer’s fee: Subject to negotiation

Tel: 0845 757 3612


Declare for independence

I am proud to be a member of the Institute of Financial Planning but I must confess to an ongoing puzzlement.

Family ideals

In 1986, JO Hambro Investment Management launched as a private client firm, set up to run money for the Hambro family. The group has maintained this focus on looking after portfolios for private individuals and families although it is now also offering internally managed equity and fixed-income funds to external investors.


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