offset calculator scottish widows investments

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Offset calculator scottish widows investments gsg investment incentives

Offset calculator scottish widows investments

We are all feeling the impact of coronavirus. For many of our customers and their families it's a time of much worry and uncertainty. We want to offer our customers all the help we can. Additional Borrowing. Financial difficulty. Please use the Quicklinks menu below in order to navigate through the site. Quicklinks Jump to main site navigation Jump to main page content Jump to site footer links Jump to site map.

Site map. How we use cookies. Coronavirus We are all feeling the impact of coronavirus. Existing Customers - Mortgages Switch to a new rate. Additional borrowing. Frequently asked questions. Mortgage term [? Loan to value [? Current mortgage rate [? Term remaining on rate [? Is this a fixed rate? Sorry , we can't show you all the information on this page as you're viewing on a device with a small screen.

Offset Details. Initial offset deposit [? Regular monthly offset saving [? Future lump sum offset deposit [? Annual tax planner monthly savings [? Mortgage Overpayments. Regular monthly overpayment [? Future lump sum overpayment [? Choose Your Offset Benefit. Select your primary goal [? The Mortgage You've Chosen. Change mortgage deal.

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Offset Calculator. Apply for Offset. Frequently asked questions. Bank of England base rate. Internet Banking. Facing financial difficulty. Mortgage literature. Mortgage Reserve Account. See how you could benefit from offsetting. For more detailed information about offsetting including how we calculate your offset benefit and when this benefit will be applied to your mortgage , you can: visit our How Offset Works page visit our Frequently Asked Questions page download our offset brochure " A Guide to Offsetting ".

Interest rates. Further Advance. Bank of England Base Rate. Guides and tools. Here are answers to some of the questions you might have:. Professionals employed in a role outwith their qualification will be considered on an individual basis. For example, a fully qualified accountant working as a senior finance manager would be considered for a Professional Mortgage. And being self-employed is no barrier to having your application accepted — in fact, many self-employed professionals find the flexibility of this mortgage ideally suited to their needs.

To find out how much you may be able to borrow refer to the affordability calculator , or speak to your mortgage adviser. The property you buy must be located within the UK and loans can only be used to buy your main residential home, for purposes relating to this home, or for the purchase of a second home. How long you take to pay back your mortgage is called the 'term'.

The term of your Professional Mortgage will depend on your circumstances and what you can afford to pay each month. With our flexible repayment options you may be able to pay off your mortgage earlier than expected too. If you choose our Professional Mortgage's offset facility a savings account is set up alongside your mortgage. Whichever option you choose, you could save thousands of pounds in interest payments. Try our offset calculator to see how you could benefit.

And by reducing the interest on your mortgage your savings are, in effect, earning mortgage rate interest. For more information on offsetting take a look at How Offset works. We may instruct a surveyor to inspect the property or use an automated valuation. Our variable interest rates allow you to regularly overpay. This can reduce the balance of your mortgage more quickly, meaning you'll pay less interest and may even pay off your mortgage sooner.

This allows you to switch, without penalty, to a new fixed rate, subject to assessment. The applicable new fixed rate booking fee would be payable, but no Early Repayment Charge would be applied for early withdrawal from the variable rate product. Or you could benefit from the advantages of both if you have a fixed rate for part of your mortgage and a variable for the rest.

Your Professional Mortgage could be repayment, interest only or part repayment, part interest only. With a repayment mortgage you will gradually pay off the amount you borrowed plus interest, over the term of the mortgage.

With an interest only mortgage you only make payments to cover the interest on the amount you borrow. The full amount must be paid off in a lump sum at the end of the mortgage term. Please read the next question below called "Which repayment plans can I use for an interest only mortgage with Scottish Widows Bank?

Your mortgage payment will be collected by Direct Debit on the first working day of every month. The Direct Debit must be set up from a personal account in your name. We do not accept payments from business or third party accounts. In order to repay the capital, a lump sum is required at the end of the mortgage term. It is your responsibility to make sure you have a plan in place that will repay the amount you owe at the end of the term. We will ask to see the evidence regularly for review throughout the life of your mortgage until it is repaid.

Maximum term of mortgage to state pension age or anticipated retirement age no lending into retirement. No additional evidence is required. We can use the full equity amount to support interest only lending. The property must be sold at the end of the term to repay the outstanding loan. Maximum term of mortgage is normally to state pension age or anticipated retirement age no lending into retirement , although longer terms can be considered.

No minimum equity requirement. An annual bonus figure is calculated from the payslips provided as evidence. Where bonus is paid annually, the average of the bonus received in the last two years is used. Early Repayment Charges would apply as normal where any overpayment concession is exceeded. Copy of statement dated within the last month, and a previous statement showing the cash amount being held for a minimum of three consecutive months. Savings can be spread across a number of different accounts.

If statements show a fluctuating cash balance then the lowest balance will be used. The term of any interest only lending must not exceed the lower of state pension age or anticipated retirement age. Where a statement gives a range of projected values the middle of three figures or the lower of two will be used. Endowment companies will present three growth rates with the middle projection being the most likely outcome.

Copy of share certificates, nominee account statement or confirmation from a recognised stock broker containing evidence of share holdings, together with their valuation. Must be dated within the last 12 months. If the mortgage lender is outside Lloyds Banking Group we need a copy of the latest mortgage statement dated within the last 12 months.

We may carry out a property valuation and land registry search. You should review your plan s regularly during the term of the mortgage to make sure it is on track to repay the outstanding balance. If you are unable to satisfy us that the repayment plan s remains on track to repay the outstanding balance on the mortgage, we may ask you to transfer some or all of the mortgage onto a capital and interest repayment basis.

Depending on your interest rate — fixed, variable or a combination of both — there may be a charge if the early repayment happens within a fixed or variable rate period. Scottish Widows Bank will pay for the valuation, and legal services when applicants use our solicitors, subject to the following criteria.

We will pay our solicitors to carry out the legal work involved in the remortgage. For any additional services, such as property title transfer or registration of properties in England and Wales where the property requires first registration in HM land registry, our solicitors will contact the applicant s to arrange payment. We will not be able to give legal, financial or tax advice on the remortgage, and recommend that applicants contact their own legal or financial adviser if they require such advice.

These remortgage incentives are available to applicants who are capital raising on a mortgage free property. One of the applicants must have owned the property for at least six months prior to the application. This report is just for our purposes but you will be sent a copy. We only receive and make our lending decision on the valuation. If you choose a Level 2 Survey and Valuation, our surveyors will send separate terms and conditions that must be signed and returned to the surveyor before the survey can be carried out.

These types of survey include a Level 1 Valuation Report, which takes place at the same time. Alternatively, you can find your own surveyor to carry out a Level 3 Building Survey. We do not offer this type of survey; it would be arranged as a contract between you and the surveyor. This is the most detailed level of survey, which can be tailored to meet your needs. Pitched roofs from ground level and with binoculars.

Flat roofs if visible from within property and using a ladder up to 3m height. Scottish Widows Bank requires 'first legal charge' over residential properties for all borrowing — this is Standard Security in Scotland.

A legal charge is a formal document that gives your lender certain repossession rights if you do not meet the terms of your mortgage contract. The first legal charge is given to the lender that gives you your main mortgage — which in this case would be Scottish Widows Bank. Yes, you can view your Professional Mortgage using our Internet Banking service.

And it's easy to register too — just complete the 'Internet Banking' question in your Professional Mortgage application form. Alternatively, please call to register for this service. Our lines are open 8am to 6pm Monday to Friday.

When you call, you'll need your Professional Mortgage account number. We'll also ask you additional questions to verify your identity before setting up your access. Scottish Widows Bank's charges are detailed in the Mortgage Rates Sheet and the Mortgage Illustration you will receive before you submit your mortgage application.

If you need further help call us on Our mortgages are exclusively available through independent mortgage advisers.

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