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  • Mortgages & Finance

    New 50% LTV range from TMW available via PTFS

    BREAKING NEWS - On Thursday 4 July, The Mortgage Works is reducing selected 2 and 5 year rates by up to 0.60% and introducing a range of 50% loan to value (LTV) products.

    Rates for the new 50% LTV five year fixed rate mortgage product start at 1.94% with a £1,995 fee, and are for both purchase and remortgage.

    Selected 2 and 5 year fixed rate products with a zero fee have been reduced, with the 5 year fixed rate up to 65% LTV with zero fee now starting at 2.49%, reduced from 3.09%. The 2 year fixed rate up to 65% LTV with zero fee starts at 2.39%, down from 2.44%, with both for purchase and remortgage.

    In addition free valuations have been added to all HMO mortgage products, while selected tracker rates have been increased by up to 0.10%.

    TMW mortgage products can be accessed via Property Tribes Financial Services.

    Secure your quotes and submit your applications via advice@ptfs.co.uk or call the Team on 01206 654 444

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    FOR INDEPENDENT MORTGAGE AND INSURANCE ADVICE

    PROPERTY TRIBES FINANCIAL SERVICES

    http://www.propertytribesfinancialservices.com

    http://www.propertytribesfinancialservic...contact-us

    CONTACT US FOR LIFE INSURANCE QUOTES AND STRATEGIES.  PORTFOLIO MORTGAGES (VARYING TERMS) COVERED

    MULTI CREDIT REFERENCE AGENCY REPORT, IN ONE DOCUMENT HERE.

    http://www.propertytribesfinancialservi...statement/

    Hi, Is the 50% LTV Deal available to Ltd Companies ? Are there any other fees involved ? Or any special criteria ?

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    Hi Alfie49, the new 50% LTV products are only available to individual / personal borrowers, however TMW do offer a great range of products for Ltd Companies as well, including £0 lenders arrangement fee deals and all products include free valuation, and up to 80%LTV for BTL's and 75%LTV for HMO's, as follows;

    Available via https://www.PropertyTribesFinancialServices.com

    All products are subject to eligibility.  A full Fact Find discussion is required before a formal recommendation is made.

    Contact the Team on 01206 654 444 or email advice@ptfs.co.uk anytime

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    FOR INDEPENDENT MORTGAGE AND INSURANCE ADVICE

    PROPERTY TRIBES FINANCIAL SERVICES

    http://www.propertytribesfinancialservices.com

    http://www.propertytribesfinancialservic...contact-us

    CONTACT US FOR LIFE INSURANCE QUOTES AND STRATEGIES.  PORTFOLIO MORTGAGES (VARYING TERMS) COVERED

    MULTI CREDIT REFERENCE AGENCY REPORT, IN ONE DOCUMENT HERE.

    http://www.propertytribesfinancialservi...statement/


    Thanks , is that the best for 5 year Fixed on 50%LTV ?

    No arrangement fees or valuation fees , any application fee and are you broker fees paid from lender ? Looking for best price over the fixed term

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    Hi Alfie49, the 'best' total value available to you would be dependent on what you (and your company, credit status, income, portfolio, assets / liabilities etc etc etc) qualify for after an eligibility assessment.

    All quotes, which detail all fees, costs and charges to all parties involved, will be fully disclosed and detailed following a full Fact Find discussion.  It is pointless to state any fees at this stage as that would simply be generic and possibly way off of what is actually ultimately charged (by the lender, valuer, conveyancer, broker) after case assessment has concluded.  Too many contributing factors affect bottom line costs.

    If you have a specific property (or properties) in mind to be financed, contact us any time.

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    FOR INDEPENDENT MORTGAGE AND INSURANCE ADVICE

    PROPERTY TRIBES FINANCIAL SERVICES

    http://www.propertytribesfinancialservices.com

    http://www.propertytribesfinancialservic...contact-us

    CONTACT US FOR LIFE INSURANCE QUOTES AND STRATEGIES.  PORTFOLIO MORTGAGES (VARYING TERMS) COVERED

    MULTI CREDIT REFERENCE AGENCY REPORT, IN ONE DOCUMENT HERE.

    http://www.propertytribesfinancialservi...statement/


    Thanks again for prompt response. If we go through fact find discussion , you quote , were not happy with deal are there any broker fees ? ( fingers burnt before)

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    Absolutely not because, we are not mortgage salespeople charging at all stages, but instead we are professional financial advisers (we have been in business for 26+ years now) and our process is as follows;

    1. Fact Find
    2. Research
    3. Quote / Present options, and also we will make a formal recommendation
    4. You agree to proceed
    5. DIP
    6. presentation of approved DIP
    7. .. and then on that basis, having previously seen the fully detailed quote (which lists all fees) in stage 3, the first part (or all, if you prefer) of the Professional Fee is charged (along with valuation fee if applicable), and the application is then submitted
    8. However, if at stage 3 you say no, then we can close the file and no fees have been paid by you and all work carried out to that point is entirely at our own expense.

    This is a long established, tried tested and proven very fair as a business model with our thousands of Clients over many years.

    Hope this helps.



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    FOR INDEPENDENT MORTGAGE AND INSURANCE ADVICE

    PROPERTY TRIBES FINANCIAL SERVICES

    http://www.propertytribesfinancialservices.com

    http://www.propertytribesfinancialservic...contact-us

    CONTACT US FOR LIFE INSURANCE QUOTES AND STRATEGIES.  PORTFOLIO MORTGAGES (VARYING TERMS) COVERED

    MULTI CREDIT REFERENCE AGENCY REPORT, IN ONE DOCUMENT HERE.

    http://www.propertytribesfinancialservi...statement/


    Thanks, Very clear, apart from DIP ! What does that mean ?

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    Sorry!  That's the industry lingo for Decision In Principle.

    There is also a similar acronym, AIP - Agreement In Principle

    Both mean, pre application credit checking, which, when approved, helps to ensure a full application can then be submitted and progressed through underwriting.


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    FOR INDEPENDENT MORTGAGE AND INSURANCE ADVICE

    PROPERTY TRIBES FINANCIAL SERVICES

    http://www.propertytribesfinancialservices.com

    http://www.propertytribesfinancialservic...contact-us

    CONTACT US FOR LIFE INSURANCE QUOTES AND STRATEGIES.  PORTFOLIO MORTGAGES (VARYING TERMS) COVERED

    MULTI CREDIT REFERENCE AGENCY REPORT, IN ONE DOCUMENT HERE.

    http://www.propertytribesfinancialservi...statement/