Selection of the best deals negotiated by Sextant Mortgage Advisors:

Second Home / Main residence Mortgages

Rate

Notes

Term

Mortgage Type

LTV

Deferred Payment

Bank Set up Fees

Early Repayment

2.70%

Fixed for 20 years 20 years Repayment

80%

YES, if Off Plan or New Build 1% of the amount borrowed with a maximum of €950
3% of capital remaining due
2.20% then 1.70% after 3 months
Tracker rate indexed on Euribor 3 months + 1.70% margin 10 years Repayment 80% YES, if New Build or renovation works 1% of the amount borrowed with a maximum of €950 No penalty as long as the loan remains variable
2.80%  Capped +1% 20 years Capital Repayment 85% 24 months 1% of the loan amount and a maximum of €1,500 No penalty

3.30%
Fixed 1 year then Euribor 1 year + margin of 1.95% 15 years Interest Only 70% Yes, for two years 1% of the amount borrowed with a maximum of €950 No penalties after 1 year

Buy to Let Mortgages 

Rate

Notes

Term

Mortgage Type

LTV

Deferred Payment

Bank Set up Fees

Early Repayment

2.50% Tracker linked to 3 months Euribor + Margin from 1.90% 20 years Repayment 80% No 1% of the amount borrowed with a maximum of €950 Yes at any time without penalties

2.80%

Capped +1 for 7 years then variable or fixed rate 20 years Repayment

85%

No

1% of the loan amount with a maximum of €1,500 No penlaty after 7 years
2.70% Tracker interest rate indexed on Euribor 3 months + margin 20 years Repayment 85% YES, if New Build or renovation works 1% of the amount borrowed with a minimum of €700 and a maximum of €1,500 No penalty as long as the loan remains variable
2.55% Tracker interest rate indexed on Euribor 3 months
Margin 2.55% for loans > €500k
14 years Interest Only 75% Yes, for two years €1,500 No early repayment fee during the interest only period

French Leaseback 

Rate

Notes

Term

Mortgage Type

LTV

Deferred Payment

Bank Set up fees

Early Repayment

2.95%
Tracker
Minimum loan amount €100,000
2 years fixed + Repayment with a maximum of 14 years IO 75% Yes up to 36 months €1,500 Yes at any time without penalties

2.80% 

Capped +1 20 years Repayment

85%

Yes 1% of the loan amount with a minimum of €700 and max of €1,500 No penalty after 7 years
2.60% Tracker interest rate indexed on Euribor 3 months + margin 2.00% 25 years Repayment 80% YES, if New Build or renovation works 1% of the amount borrowed with a maximum of €950 No penalty as long as the loan remains variable
2.90% Full term Fixed 25 years Repayment 80% 24 months 1% of the loan amount and a maximum of €950 3% fixed and capped rate. Variable rate: no penalty after 12 months

French Equity Release 

Rate

Notes

Term

Mortgage Type

LTV

Deferred Payment

Bank Set up Fees

Early Repayment

3.55% Fixed rate 20 years Repayment 70% No 0.5% of the amount borrowed with a minimum of €1,500 and a maximum of €5,000 Maximum 3% of capital remaining due
3.25%
Fixed rate
15 years IO 70% No 1% of the loan amount and a maximum of €950 3%
3.30% Capped + 1,5 20 years Repayment 70% No 0.5% of the amount borrowed with a minimum of 1,500€ and a maximum of €5,000 No penalty as long as the loan remains variable
3.40% Fixed rate

No evidence of the use of funds needed.

20 years Repayment 50% No 1% of the loan amount and a maximum of €950 No penalty on variable rate after 1 year