1st Start
Take your pick of our 1st Start rates.
You can call us on 0118 968 4333*
To see our broker toolkit please click here|
Find out more about how 1st Start works|
- 1st Start is a unique joint mortgage which uses the income of a close relative to enhance the
borrowing capacity of the buyer - We pay the Higher Lending Charge
- Minimum age of buyer is 18 and for the close relative the maximum age is 60
- Please note: we have a 'no switching' policy
| rate | type | code | LTV^ | arrange* fee | valuation paid by BIM | £250 cash back | legal fees paid by BIM | HLC** paid by BIM | ERC*** |
| 6.35% | 3 year fixed to 31/12/11 | UD9 | 95% | £799 | Included | Not Included | Not Included | Included |
3% to 31/12/11 |
| 6.55% |
3 year fixed to 31/12/11 | UD8 | 95% | £0 | Not Included | Not Included | Not Included | Included |
3% to 31/12/11 |
^ Loan To Value
* Arrangement fee (can be added to loan)
** Higher Lending Charge
*** Early Repayment Charge
We charge new customers a lending fee of £195.00. This charge is for making a loan under a new mortgage. The fee becomes due on completion but you can defer payment until the mortgage is fully repaid. We will assume that you want to defer payment unless you tell us otherwise. We will not charge interest on the fee in the meantime. We will not be entitled to vary the fee if you choose to defer payment.
NOT FOR PUBLIC USE. FOR INTERMEDIARY USE ONLY
* To ensure you receive the first class service we aim to provide, calls may be monitored and recorded. Bank of Ireland Mortgages is the trading name of The Governor and Company of the Bank of Ireland which is authorised by the Irish Financial Regulator and authorised subject to limited regulation by the Financial Services Authority. Details about the extent of our authorisation and regulation by the Financial Services Authority are available from us on request. Registered in England and Wales with branch number BR000459. The Governor and Company of the Bank of Ireland, incorporated in the Republic of Ireland with limited liability. Bank of Ireland Mortgages, Plaza West, Bridge Street, Reading, RG1 2LZ. Tel: 0118 968 3393. Fax: 0118 958 7040. Website address: www.bim- online.com. Email: bdu@boi-mortgages.co.uk. VAT No. GB168 1961 35. Compliance approval 3067080725a.
Broker Hotline: 0118 968 4333*, email: bdu@boi-mortgages.co.uk
Business Development Unit, Bank of Ireland Mortgages, Plaza West, Bridge Street, Reading. Berkshire. RG1 2LZ
contact us
broker hotline: 0118 968 4333*
email: bdu@boi-mortgages.co.uk|
Business Development Unit
Bank of Ireland Mortgages
Plaza West
Bridge Street
Reading
Berkshire
RG1 2LZ