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Guide to High Loan-to-Value Mortgages



    The resurgence of high loan-to-value mortgages comes at a time when the regulation of mortgage advice is going through a massive shake-up.

    So, how do the government-backed schemes differ from lenders’ other 95 per cent LTV offerings and what is the best way to get a step on the property ladder for those who have only a small savings pot in 2014?

    This guide explores the different high loan-to-value deals currently available, the pros and cons of taking on a mortgage when you have a small savings pot and the regulatory requirements for recommending such home loans.

    Supporting material for this guide was provided by: Mark Bullard, head of sales at NatWest Intermediary Solutions; Brad Fordham, managing director of Santander for Intermediaries; Ian Wilson, head of Halifax Intermediaries; and Brian Murphy, head of lending at Derby-based Mortgage Advice Bureau.

    In this guide


    Please answer the six multiple choice questions below in order to bank your CPD. Multiple attempts are available until all questions are correctly answered.

    1. At what rate do repayments start on the Help to Buy equity loans?

    2. And how do repayments increase in subsequent years?

    3. How much of a property’s value is effectively covered by the government Help to Buy guarantee?

    4. What is the maximum property value under the NewBuy scheme?

    5. Who can access the NewBuy indemnity scheme?

    6. What are the main differences in the government schemes, according to Mr Bullard?

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