We have partnered with Tenet Mortgage Solutions to provide a range of exclusive discount mortgage products, which offer lending solutions to long-serving, senior and retired police officers.
We aim to assist TMS in serving the needs of its customers, particularly for those whose circumstances are complex or do not fit the standard high street lenders and algorithms.
We provide individually underwritten mortgages. That way we get to completely understand the needs of the customer and we are experienced in dealing with complex mortgage applications.
Our pragmatic and sensible approach ensures mortgage applications are individually assessed using common-sense.
| 2 Year Discount | 3 Year Discount | |||
|---|---|---|---|---|
| Initial Rate | 2.09% | 2.59% | 2.09% | 2.59% |
| Followed by Standard Variable rate | 4.19% | 4.19% | 4.19% | 4.19% |
| ERCs | 2% | None | 2% | None |
| Repayment types | Repayment, Interest-Only, Part & Part | |||
| Available for | Purchase, Re-mortgage, release of Equity | |||
| Min/Max mortgage | £75,000 - £1,000,000 | |||
| Maximum term | 35 years | |||
| Max LTV Repayment | 80%* | |||
| Max LTV Interest Only | 75%** | |||
| Arrangement Fee | £999 | |||
| Application Fee | £100 | |||
| Valuation Fees | Free up to £500 (as per standard fee scale) | |||
| Estimated Legal Fees | £360 | |||
| Redemption Fees | £125 | |||
| Procuration Fee | 0.4% | |||
Available where one or more applicants are serving Police Officers, or are retired from the Police Force and in receipt of a police workplace pension.
*Maximum of 75% when lending into retirement – 70% when lending in retirement
**Maximum of 70% when lending in or into retirement
OUR SOLUTIONS FOR LONG SERVING, SENIOR OR RETIRED POLICE OFFICERS
In this specially designed product range:
For those already retired from the police force but still working:
Contact our Business Development Team
Here's our Team:
Jean Errington, Business Development Manager
Tel: 07483 310314
Email: brokerteam@harpendenbs.co.uk
Graeme Aitken, Mortgage Underwriter
(Currently in a secondment role)
Craig Middleton, Mortgage Sales Manager
Tel: 07741 661036
Email: brokerteam@harpendenbs.co.uk
Get in touch with our Mortgage Team
01582 463133 | brokerteam@harpendenbs.co.uk
YOUR MORTGAGE WILL BE SECURED ON YOUR PROPERTY AND YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
MORTGAGE PRODUCTS ARE REGULATED BY THE FINANCIAL CONDUCT AUTHORITY EXCEPT SECOND/HOLIDAY HOME, BUY-TO-LET AND RESIDENTIAL DEVELOPMENT, WHERE THE BORROWER DOES NOT RESIDE ON SITE DURING THE DEVELOPMENT PERIOD.