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Broker support
Our aim is to make placing business with Intelligent Finance as easy and hassle-free as possible. We've developed a range of tools and sales aids to support the work you do when communicating the benefits of Intelligent Finance to your clients.
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Interest rates Commission tables Valuation Costs Lending Criteria Verification requirements The mortgage process

 Interest Rates
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Our Offset Rate Mortgages

Offset Tracker Mortgages

These flexible offset mortgages 'track' the Bank of England base rate. They go up or down, depending on changes in the Bank's base rate.
Product
name		 Max loan to value Initial rate     Then changing for
the remainder of
the term to		 The overall
cost for
comparison is
Remortgage Offset tracker 60 until 1 September 2010 (B.o.E + 1.39%) 60%
LTV		 6.39% currently
Tracks 1.39% above the BoE's base rate until 01.09.10		 7.00% currently
(our offset variable mortgage rate)		 7.3%
APR
Quote/Apply
Arrangement fee: £999  |  Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 01.09.10  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 500 until 1 September 2011 (B.o.E + 1.29%) 60%
LTV		 6.29% currently
Tracks 1.29% above the BoE's base rate until 01.09.11		 7.00% currently
(our offset variable mortgage rate)		 7.1%
APR
Quote/Apply
Arrangement fee: £1999  |  Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 01.09.10  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 60 until 1 September 2011 (B.o.E + 1.29%) 60%
LTV		 6.29% currently
Tracks 1.29% above the BoE's base rate until 01.09.11		 7.00% currently
(our offset variable mortgage rate)		 7.2%
APR
Quote/Apply
Arrangement fee: £999  |  Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 01.09.10  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Product
name		 Max loan to value Initial rate     Then changing for
the remainder of
the term to		 The overall
cost for
comparison is
Remortgage Offset tracker 1 million until 1 September 2011 (B.o.E + 1.29%) 60%
LTV		 6.29% currently
Tracks 1.29% above the BoE's base rate until 01.09.11		 7.00% currently
(our offset variable mortgage rate)		 7.1%
APR
Quote/Apply
Arrangement fee: £3999  |  Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 75 until 1 September 2013 (B.o.E + 1.29%) 75%
LTV		 6.29% currently
Tracks 1.29% above the BoE's base rate until 01.09.13		 7.00% currently
(our offset variable mortgage rate)		 7.1%
APR
Quote/Apply
Arrangement fee: £999  |  Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12, 2.00% until 01.09.13 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 01.09.10  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 75 until 1 September 2011 (B.o.E + 1.39%) 75%
LTV		 6.39% currently
Tracks 1.39% above the BoE's base rate until 01.09.11		 7.00% currently
(our offset variable mortgage rate)		 7.2%
APR
Quote/Apply
Arrangement fee: £999  |  Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 01.09.10  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Product
name		 Max loan to value Initial rate     Then changing for
the remainder of
the term to		 The overall
cost for
comparison is
Remortgage Offset tracker 75 until 1 September 2010 (B.o.E + 1.54%) 75%
LTV		 6.54% currently
Tracks 1.54% above the BoE's base rate until 01.09.10		 7.00% currently
(our offset variable mortgage rate)		 7.3%
APR
Quote/Apply
Arrangement fee: £999  |  Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 01.09.10  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 2 million until 1 September 2011 (B.o.E + 1.69%) 75%
LTV		 6.69% currently
Tracks 1.69% above the BoE's base rate until 01.09.11		 7.00% currently
(our offset variable mortgage rate)		 7.2%
APR
Quote/Apply
Arrangement fee: £9999  |  Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 1 million until 1 September 2011 (B.o.E + 1.49%) 80%
LTV		 6.49% currently
Tracks 1.49% above the BoE's base rate until 01.09.11		 7.00% currently
(our offset variable mortgage rate)		 7.1%
APR
Quote/Apply
Arrangement fee: £4499  |  Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Product
name		 Max loan to value Initial rate     Then changing for
the remainder of
the term to		 The overall
cost for
comparison is
Remortgage Offset tracker 500 until 1 September 2011 (B.o.E + 1.49%) 85%
LTV		 6.49% currently
Tracks 1.49% above the BoE's base rate until 01.09.11		 7.00% currently
(our offset variable mortgage rate)		 7.1%
APR
Quote/Apply
Arrangement fee: £2499  |  Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 90 until 1 September 2011 (B.o.E + 1.69%) 90%
LTV		 6.69% currently
Tracks 1.69% above the BoE's base rate until 01.09.11		 7.00% currently
(our offset variable mortgage rate)		 7.3%
APR
Quote/Apply
Arrangement fee: £1499  |  Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 90 until 1 September 2013 (B.o.E + 1.59%) 90%
LTV		 6.59% currently
Tracks 1.59% above the BoE's base rate until 01.09.13		 7.00% currently
(our offset variable mortgage rate)		 7.2%
APR
Quote/Apply
Arrangement fee: £1499  |  Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12, 2.00% until 01.09.13 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Offset Fixed Rate Mortgage

With our fixed rate mortgage, your client has the assurance of knowing their interest rate will stay the same for a set period.

Product
name		 Max loan to value Initial rate     Then changing for
the remainder of
the term to		 The overall
cost for
comparison is
Remortgage Offset fixed 75 until 1 September 2011 75%
LTV		 6.99%
fixed until 01.09.11		 7.00% currently
(our offset variable mortgage rate)		 7.3%
APR
Quote/Apply
Arrangement fee: £999  |  Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 01.09.10  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset fixed 90 until 1 September 2011 90%
LTV		 7.09%
fixed until 01.09.11		 7.00% currently
(our offset variable mortgage rate)		 7.3%
APR
Quote/Apply
Arrangement fee: £1499  |  Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

(on loans between £100,000 & £500,000)

Your home may be repossessed if you do not keep up repayments on your mortgage.

Mortgage Fees and Charges

Item Charge
Full copy of title documents lodged with us £40.00
Single copy document lodged with us £40.00
Title information £40.00
Forwarding your title deeds to a conveyancer £40.00
Release from the mortgage of part of the property £75.00
Grant of easement or servitude (for example, a right of way) £75.00
Enquiries (including requests for answers to questionnaires, references and consent) from lenders granting other mortgage loans £100.00
Valuation fee (adding/removing a borrower from the mortgage) £70.00
Further advance fee £160.00
Chaps (same day electronic funds transfer between banks) £25.00
Non payment of ground rent £75.00
Copy of mortgage statement £15.00
If a cheque is returned unpaid £25.00
Failed payments (direct debits, standing orders) £25.00
Each letter or telephone call to you concerning a missed payment £10.00
Where it becomes necessary to instruct solicitors to collect missed payments £115.00
Consenting to the transfer of mortgaged property £160.00
Mortgage discharge fee (only payable if mortgage is repaid early)#  
# If we charge a mortgage discharge fee, we will tell you the amount of the fee and whether it is variable in your most recently accepted mortgage offer or mortgage product transfer offer. The amount of the fee, if applicable, will also be shown in your annual mortgage statement and in any amount owing statement we issue. We will also tell you the amount of the fee at any time you ask us to.
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