New product roundup

The mortgage from John Charcol is a three-year tracker offset with a rate of 0.19 per cent above the base rate, giving a pay rate of 4.69 per cent. The maximum loan to value (LTV) is 85 per cent and there is an arrangement fee of £699 to pay. Free legals and refunded valuation fee are available on remortgages.

London & Country has launched a two-year tracker offset mortgage pegged at 0.25 per cent above the base rate giving a pay rate of 4.75 per cent. The maximum loan to value (LTV) is 85 per cent and an arrangement fee of £299 is payable. Free legals and refunded valuation fee are available on remortgages.

Skipton Building Society’s base rate tracker has a pay rate of 4.99 per cent and it tracks the base rate +0.49 per cent for the term of the mortgage. The maximum LTV is 95 per cent and a higher lending charge applies over 90 per cent LTV. Free legals and valuation are available on remortgages.

Chelsea Building Society has launched three remortgage products offering free valuations and legal fees. Its two-year product is fixed at 4.69 per cent, the five-year is fixed at 4.99 per cent and the two-year tracker tracks the base rate plus 0.19 per cent, giving a pay rate of 4.69 per cent. All mortgages are available up to 95 per cent LTV and there is an arrangement fee of £400 to pay.