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GEORGIAN MAISONETTE, BATH
Independent, The (London), May 7, 2008 by TOBY GREEN
CAN YOU AFFORD IT?
Guide price: 650,000
Agent: Savills (01225 474550)
What you get: A 975-year leasehold on a first- and second-floor maisonette in one of Bath's wonderful Georgian town houses. Built at the end of the 18th century, this two-bedroom flat on Camden Crescent has a beautiful large fireplace, a garage and a landscaped garden.
Where: Camden Crescent is a stunning example of why Bath is celebrated for its architecture. Situated on the northern slope of the city, the centre is a short walk away and from there you have easy access to both London and Bristol.
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How much will I be able to borrow? These mortgage options from the Yorkshire Building Society (0845 1 200 100) are for a 25-year term and require a deposit of 15 per cent (97,500), leaving a mortgage of 552,500. Fees total 1,085, and you will need a joint or combined income of 122,778.
Five-year fixed-rate mortgage: for this option, the interest rate is fixed at 6.49 per cent until 30 June 2013. Your monthly repayments would be 3,723.18 or, if you choose the interest-only option, 2,988.10. After the initial term, you will revert to the standard variable rate (SVR), which is currently 6.90 per cent. This means your monthly repayments would rise to 3,843.29 or 3,176.88 for interest-only.
Two-year variable rate mortgage: tracking at 1.59 per cent above the Bank of England base rate, this option's rate is currently 6.59 per cent. At the moment, the monthly repayment costs would be 3,757.73 (3,034.15 interest-only). From 30 June 2010, this option also reverts to the SVR, resulting in monthly repayments of 3,858.65 (3,176.06 interest-only).
Council tax: Band G, 2,249.20
Stamp duty: 4 per cent
Legal costs to include land registry and search fees: from 1,500
Information correct at time of printing. Quotes subject to status
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