Emery Mortgage & Insurance Services - Independent Advice from Certified Mortgage Specialists


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		Bank of England Base Rate 5.00%

























			Overseas Property




	mortgage & insurance services


	Types of interest rate


	Fixed


	The interest rate is guaranteed to stay fixed for a specified period, after which it can be expected to return to the lenders standard variable rate which applies at the time. When this happens you may have the option to transfer to a new fixed rate.


	Standard Variable Rate (SVR)


	This is the traditional type of mortgage interest rate, which fluctuates from time to time depending on the government's economic and monetary policy.


	Discount


	This is a discount to the lenders standard variable base rate, lasting for a guaranteed period of time. It will vary in that period with any change in the lenders standard variable rate and will revert to the lenders standard variable rate at the end of the period.


	Capped


	This is a form of variable rate where the rate is capped at a specified level over a specified term. i.e. it is guaranteed not to exceed the capped rate during the period. The rate may fall during the period, and at the end of the term will revert to the lenders standard variable rate (SVR) applying at that time.


	LIBOR


	London Inter Bank Offered Rate is the rate at which banks notionally buy and sell money to eachother. It varies from day to day and is closely linked to the base rate.


	We do not charge a fee for our insurance services. There may be a fee for our mortgage advice, the precise amount will depend on your circumstances, but we estimate this to be £99.00. Written details on request; there are additional fee payment options.


	YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

	Emery Mortgage & Insurance Services is an Appointed Representative of Network Data Limited which is authorised and regulated by The Financial Services Authority for regulated mortgage & insurance business only. Emery Mortgage & Insurance Services are entered on the Financial Services Register (http://www.fsa.gov.uk) under reference 414055 and Network Data Limited is entered on the register under reference 300391.

		The guidance and/or advice contained within this website is subject to the UK regulatory regime & is therefore primarily targeted at consumers based within the UK.

		Copyright © 2006 Emery Mortgage & Insurance Services. Proprietor - Rob Emery CeMAP. Emery Mortgage & Insurance Services are not responsible for external websites.

		Registered Correspondence Address - 5 Champernowne Crescent, Ilfracombe, North Devon EX34 9PL. You can e-mail us by clicking here.

		*Home visits, including evening appointments, are available in Ilfracombe, Braunton, Barnstaple, Exeter, Exmouth and their surrounding areas. If you are not in any of these areas we would be happy to provide our range of of mortgage and insurance services to you over the phone. Please contact us if you would like to arrange an appointment.




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