Employed  |: P60 & 3 most recent payslips and Employers Ref
              || Previous Employers if current job < 3 yrs
    Self Emp  |: 3 yrs accounts + accountants reference plus 12 
              || mths bank statements if accountant not suitably 
              || qualified)
    FTB       |: As above plus interview required and completion 
              || of a budget analysis
    RTB       |: As above plus copy of RTB agreement
    All       |: Existing lenders reference OR 12 months mortgage 
              || statements 
              || Landlords reference OR 12 months bank statements
              || Other Lenders Reference
              || Credit Reference 
              || Proof of identity
              || Valuation Report

    Acceptable forms of identification
    Full Passport / Driving Licence /Employer's ID Card bearing 
    Photograph & Signature/ Pension/Family Allowance Book 
    / Armed forces ID card / Current notice of Tax Coding / Council 
    Tax Demand / Recent bank or credit card statement (less than 6 
    months old) / Recent utility bill (eg gas, Landline phone bill) 
    Credit Card bearing photograph & Signature.
    Retired Applicants considered provided they have means to 
    support loan (ie Pension income)


  

   

    Acceptable Purposes
    Home Improvement
    Marital Settlement (Capital Raising)
    Re-Finance (replace existing loan - depends on loan purpose)
    Dependants Home (Capital Raising)
    Self Build Home (Capital Raising)
    Education Fees (Capital Raising)
    Holiday (Capital Raising)
    Holiday Home (Not Timeshare - Capital Raising)
    Investment (Capital Raising)
    Property to Let (Capital Raising)
    Purchase car, boat, caravan etc.. (Capital Raising)
    Second Home (Capital Raising)
    Medical Expenses (Capital Raising)
    Working Capital (existing business - Capital Raising)
    Debt Consolidation (Capital Raising)
   
    To qualify for a fee waiver all remortgage applications must be
    received by 31-12-03 and loans must be for 20000 or more(excluding
    buy-to-let applications).


  

   

    UK Tax Payers         ||: Compulsory
    Arrears Settled       ||: At Branch-C&G's discretion
    Arrears Outstanding   ||:  "    "    "        "
    CCJ's Satisfied       ||:  "    "    "        " 
    CCJ's Outstanding     ||:  "    "    "        "
    Past Bankruptcy       ||: No
    Ex Patriates          ||: At Branch-C&G's discretion
    Foreign Nationals     ||:  "    "    "        "
    DSS Payments          ||: No
    Diplomatic Immunity   ||: No
    Debt History          ||: At Branch-C&G's discretion
    Guarantors            ||: Parents/Spouse resident in UK and 
                          ||| used to paying a mortgage
    Max age on Application||: None
    Interview Required    ||: If first time buyer, excess income
                          ||| multiplier, no previous mortgage
                          ||| history or not known to branch
    Multiple Applications ||: 4 + 1 or 3 x Joint at 80% LTV 
                          ||| 3.5 + 1 or 2.75 x Joint at 95% LTV 
    Guaranteed Overtime   ||: 100% - added to basic salary 
                          ||| (must be monthly paid)
    Regular Overtime      ||: Must be guaranteed
    Commission            ||: 100% - Must be guaranteed (3 years)
    Rent Allowance        ||: 100% - London Weighting
    Second Job            ||: Refer
    Large Town Allownace  ||: 100%
    Investment Income     ||: Refer


    Items that will be deducted when assessing available income,
    if they are not being repaid vy the new loan
    
    Existing Mortgage
    Other Secured Lending
    Credit/Store Cards
    Mail order/Catalogue Accounts
    Bank Loan (Not Secured)
    Bank Overdrafts
    Hire Purchase/Other Loans
    Maintenance payments


LIFE COVER REQUIREMENTS
    Proof of repayment not required by C & G
    Interest only / if account is on the C & G's current 
    conditions


  

   

    No fee charged if lenders Buildings Insurance is not taken.
    They require a copy of the policy document / certificate of 
    cover. Lender must be listed as joint insured.
    No minimum property value stipulated 

    PURCHASE
    Main Residence House / Flat
    * Second Home House / Flat
    * Home for Dependent House / Flat
    * Holiday Home House / Flat
    Council RTB House / Flat - 100% DPP normal LTV's apply for OMV 
     (Standard base rate unless can provide deposit calculated on 
     valuation figure)

    * Provided security on existing main property and using equity 
      to purchase the second home

    TENURE
    Freehold House
    Leasehold House / Flat
    Feudal House / Flat (Scotland)
    Flying Freehold (Subject to solicitor / valuers comments)
    Minimum lease required on application is 60 years
    Minimum lease required on redemption  is 25 years

    CONSTRUCTION
    Conventional Brick / Tile
    Brick on Wood (Refer)
    Concrete (Refer)
    Steel Framed (Refer)
    Timber Framed House (Refer)
    Wholly Timber House (Refer)

    PROPERTY
    Flats (Local Authority blocks NOT acceptable over 4 storeys)
    Flat over shop (Self Contained providing applicant does not 
     own the shop as well)

    OTHER
    Converted Flat (Max 95% LTV in Scotland, 80% in England & 
    Wales)
    Ex Council House / Flat
    Less than 10 yrs with no NHBC (Refer)
    Back to Back (Refer)
    Studio House / Flat
    Thatched House
    House with 2 kitchens (Refer)
    House with no inside WC (Refer)
    House with no bathroom (Refer)

    Sitting Tenants not considered where 3rd party involved but
    are considered where Sitting Tenant is purchasing property

    LOCATION
    England (inc Isle of Wight), Wales & Scotland (exc Shetland 
    and Orkney - Other Scottsh Isles Refer)


  

   

     For standard valuation for mortgage purposes, there is 
     currently no fee. Applicant to arrange Housebuyer Report fees 
     No charge for a re-valuation for further advances
     No copy of Standard Valuation available to Applicants


  

   

|   Lender does not charge Indemnity Premiums


  

   

    Bridging Finance      ||: No
    Drawdown Facility     ||: No
    Equity Release        ||: No
    Premium Funder        ||: No
    Self Build            ||: No
    Group Build           ||: No
    2nd Properties        ||: Considered
    Shared Ownership      ||: refer
    Top Ups               ||: No
    Further Advances      ||: Existing C & G / Lloyds Bank/TSB (E 
                          ||: & W Only) borrowers - Available on 
                          ||| any products offered by the bank 
                          ||| subject to terms & conditions of 
                          ||| respective product 
                          ||| Check with Lender regarding any Fees
                          ||| which may apply
                          ||| Refer
    Split Loans           ||: Refer to lender
    Negative Equity       ||: Refer to Lender
    ERP Refund / Waiver   ||: If original C & G loan is ported
                          ||| simultaneously
    Legal Fees Package    ||: For Remortgages -Free Legal 
                          ||| work
    Secured Loans         ||: Further Advance basis
    Semi / Full Commercial||: No
    Second Charges        ||: No
    Minimum Term          ||:  1 year
    Maximum Term          ||: 25 years
    Reference Fee         ||: Refer
    Questionnaire Fee     ||: None
    Telegraphic Transfer  ||: No fee
    Lenders Tie           ||: None
    Buy to Let            ||: Considered
    Guarantor             ||: Considered
    
     PORTABILITY
    If a larger loan is taken the difference can be taken on any 
    other C & G product. If a smaller loan is taken then a 
    redemption penalty will be charged on the difference