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Standard Life – 3 Year Buy-To-Let Fixed

Fixed term: 3 years

Fixed rate: 6.10%

Minimum loan: £40,000

Maximum loan: up to 80% of valuation subject to maximum £400,000 on single property, £500,000 on up to 5 rental properties

Income multiples: income must equal at least 9% of loan amount, subject to minimum principal income of £20,000 or £30,000 joint

Arrangement fee: £350 for single mortgage, £500 single fee for 2-5 mortgages arranged simultaneously

Redemption fee: equivalent of five months gross interest in year one, 4 months gross interest in year two, 3 months gross interest in year three

Conditions: regular overpayments not permitted during fixed rate period, £150 booking fee for fixed rate

Introducer&#39s fee: 0.32%-0.48%

Tel: 0845 606 6710

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In Focus — February 2015

Jelf Employee Benefits looks at the issue of paying anaesthetist fees when the patient had no chance to discuss or agree to them prior to care; and provides recommendations for avoiding this scenario.

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