95 Per Cent Mortgages Introduced for Homes Under £600k

95 Per Cent Mortgages Introduced for Homes Under £600k

Chancellor Rishi Sunak has announced the availability of 95 per cent mortgages, which will come into play in April 2021. With Prime Minister, Boris Johnson, declaring his goal to 'turn Generation Rent into Generation Buy’, this will make a substantial difference to those looking to purchase a home under £600,000, where only a five per cent deposit will be required.  This scheme will solely be available to buyers of properties costing up to £600,000, which accounts for 86 per cent of all homes currently on the market in the UK, according to Rightmove. The scheme will end on December 31 2022. What are 95 per cent mortgages? Also known as a 95 per cent LTV (loan-to-value) mortgage, this covers 95 per cent of a property's value, meaning buyers will only need to afford the remaining five per cent.  Buyers can now save up to a third of what they would have had to pay prior to this announcement, as until now, most mortgage lenders were offering up to...

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5th Mar 2021
Mother’s Day Competition: Win The White Company's Wellness Hamper
Often, a house is made a home by the important people in and around it. Mothering Sunday is our yearly opportunity to celebrate important wo...
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22nd Feb 2021
Winners Announced at Fine & Country Annual Awards
The Fine & Country Annual Conference was held virtually this year due to the restrictions in the UK and around the world. On Friday 12...
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15th Feb 2021
A front row seat at women's greatest golf competition, the Solheim Cup
There are many advantages to living on a golf course and whether you are an avid golf spectator or not, residents at any European Tour Desti...
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19th Nov 2020
European Tour Destination venues lead with latest real estate trends
The impact from Covid-19 will have far-reaching implications on home usage and design. European Tour Destination venues are already incorpor...
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2nd Oct 2020
Competition: Win a Cowshed Ultimate Hamper to treat a loved one for Mother's Day
Mother’s Day is fast approaching, and it’s a great chance to show mums and loved ones how much they are appreciated. Give the gi...
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11th Mar 2019
Valentine's Day Competition: Lunch for two at The Ritz London
With Valentine’s Day just around the corner, love is in the air and gifts are on our minds. We are giving you the chance to treat your loved...
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28th Jan 2019
Competition: Win a Fortnum & Mason Christmas Hamper
The festive season is upon us and all thoughts are turning to Christmas. It’s the perfect time to enjoy being at home with family and friend...
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26th Nov 2018
What the Autumn Budget had to say about housing
Briefly casting the spotlight on the housing market in his third Budget as chancellor, Phillip Hammond announced that he will extend the can...
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30th Oct 2018
Autumn Competition: Win a £100 Selfridges Shopping Spree
It may only be October, but Christmas is coming. Have you thought about what to buy your loved ones this festive season? Or has all the plan...
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18th Oct 2018
Competition: Win Two Tickets to Grand Designs Live
Fine & Country has teamed up with Grand Designs Live to give you the chance to win a free pair of tickets, worth up to £34 each, to the...
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3rd Sep 2018
Competition: Win a designer Daniela de Montby handbag
Fine & Country has partnered with luxury British handbag designer Daniela de Montby to give away two beautiful bags. One lucky winn...
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30th May 2018
Homes with Hope: The Fine & Country Foundation looks back on its most successful year and forward to 2018
The Fine & Country Foundation has seen its most successful year yet, with over £140,000 raised for homeless charities and projects in th...
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12th Dec 2017

FINE & COUNTRY LIFESTYLE

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OUR DIGITAL FRONT DOOR IS STILL OPEN


While we are all protecting our communities and respecting social-distancing measures by closing many of our offices around the world, our digital front door is still open.

We still carry out virtual viewings and valuations.

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An overwhelming majority of those who had used Fine & Country would recommend our services to a family member or friend, according to our most recent survey taken by members of the public.

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Every Fine & Country agent is a highly proficient and professional independent estate agent, operating to strict codes of conduct and dedicated to you. They will assist, advise and inform you through each stage of the property transaction.

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People buy as much into lifestyle of a property and its location as they do the bricks and mortar. We utilize sophisticated, intelligent and creative marketing that provides the type of information buyers would never normally see with other agents.

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Access the lucrative London and international investor market from our prestigious Park Lane showrooms at 121 Park Lane, Mayfair. Our showrooms in London are amongst the very best placed in Europe, attracting clients from all over the world.

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Our consistent efforts to offer innovative marketing combined with a high level of service have been recognised by the industry for an astounding fifth year in a row, winning Best International Real Estate Agency Marketing at the International Residential Property Awards.

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OVER 300 LOCATIONS WORLDWIDE

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Connecting offices on over 300 locations worldwide, our referral system combines local knowledge and expertise with an international network to find the right buyer for you wherever they are, at the same time as finding you your ideal next move

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INTERIOR DESIGN


Access Fine & Country Interior Design to put your property ahead and make it stand out. With expert advice from some of London’s best stylists and designers we will make sure it makes a statement. Or if you’re purchasing with us, let F&C ID help make your new house feel like home by helping you find the very best specialists and designers for property refurbishment. Find out more »

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We have partnered with Rational FX, one of the world’s leading foreign exchange specialists to provide private and tailored currency services for all of our clients buying and selling luxury property around the world. Find out how we can help »

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We understand that your time is precious, so save the time, money and stress of searching for a property with a buying agent. Also giving you access to off-market and discreetly marketed properties.

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Our internal Media Centre is a team of experienced press relations managers and copy writers dedicated to liaising with newspapers, magazines and other media outlets to gain extensive coverage for our properties in national and local media.

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The Fine & Country Foundation is dedicated to supporting and funding homeless causes in the UK and overseas. Fine & Country offices organise a range of fundraising events for you to get involved in and/ or support. Find out more about our work here. Read more »

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