Reducing
Your Mortgage
How
We Charge Interest
Experiencing
Financial Difficulties
Identification
Requirements
If
you have a Complaint
List
of Charges
3 Year Fixed Rate (Purchase Only)
3 Year Fixed Rate (Re-mortgage Only)
Flexible
Discount For Life
3
Year Discount
3
Year Stepped Discount (Remortgage only)
3
Year Stepped Discount with Cashback (First Time Buyers only)
6%
Cashback Mortgage
Combined
Initial Disclosure Document
How
Much Deposit Will I Need?
How
Much Can I Borrow?
Repayment
Methods
Valuations
Mortgage
Related Costs
Guarantor
Information
This is the brand new portal designed exclusively for intermediaries.
You will be able to access the Dudley's EKFI. Click
here for more info.
Guarantors
In some cases we are not able to proceed with your mortgage application unless you arrange for another person to guarantee your loan. This means that if you are unable to pay your mortgage payments we can ask the person who has provided a guarantee.
Before we take a guarantee from someone, we encourage them to take independent legal advice so that they understand their obligations. We will also tell them that they could become liable to pay your loan instead of (or as well as) you and how much they could be liable to pay.
We will inform the guarantor that their liability will remain until the borrowers income becomes sufficient to service the loan or, alternatively, the loan is reduced to a level sufficient to meet lending requirements in respect of income.
The maximum we can lend if you need a guarantor is 80% of the purchase price or valuation, whichever is lower, with the exception of the Graduate Mortgage scheme.
