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National Counties Building Society – 5-Year 5.79% Fixed Buy-to-Let

Type: Fixed-rate buy-to-let mortgage

Fixed term: Until September 30, 2015

Fixed rate: 5.79%

Minimum loan: £30,000

Maximum loan: Up to 70% of valuation subject to a maximum of £350,000

Income multiples: Rental income must exceed 130% of mortgage repayments for loans up to 65% and 135% for loans up to 70% of valuation

Conditions: Capital repayments of up to 10% of the original loan allowed each year without penalty in the fixed-rate period, available direct and through intermediaries, £75 cashback for online applications, online applications available only to loans of up to 65% LTV, £30 fee for arranging own buildings insurance, available only for properties in England and Wales

Arrangement fee: £995

Redemption fee: 5% of the amount repaid in year one, 4% in year two, 3% in year three, 2% in year four, 1% in year five

Introducer’s fee: Refer to lender




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