Employed |: Employers Reference & P60 + 1 payslip
    Self Emp |: 3 yrs accounts plus a projection. Accountants
             || statement may be requested
             || Where applicant has not been trading for three 
             || years but can provide one or two years' accounts 
             || with projection, consideration will be given to 
             || the proposition
    FTB      |: Proof of deposit
    RTB      |: RTB agreement from council & local authorith rent 
             || reference
    All      |: Credit check (Equifax)
             || Valuation
             || Existing lenders reference or Statements covering 
             || a minimum of 12 months
             || 2 forms of identification

    Acceptable forms of identification
    Passport, Birth Certificate, Marriage Certificate, signed 
    Employers ID card, Full Driving License, Utility Bill 
    (telephone, gas etc..), Cheque Guarantee Card, Child Benefit 
    Allowance Book



  

   

    RE-MORTGAGE AVAILABLE TO ALL (MAX LTV 80%)

    Capital Raising - interest rate may be loaded dependent on
    reason - refer to lender

    Acceptable purposes
    Home Improvements (max 80%)
    Marital Settlement (Buy Out max 80% / Raise Capital max 80%)
    Re-Finance (Purchase + Improvement loan max 80% / Purchase 
    + Capital Raising loan max 80%)
    Dependants Home (max 80%)
    Education Fees (max 80%)
    Second Home (max 80%)

    Minimum capital raising portion 26000 - Refer to lender



  

   

    UK Tax Payers         ||: Not Compulsory
    Arrears Outstanding   ||: No
    Arrears Settled       ||: No
    CCJ's Outstanding     ||: No
    CCJ's Satisfied       ||: 1 max 250 > 3 years
    Bankruptcy            ||: No
    Ex-Patriates          ||: UK residents abroad considered if
                          ||| proof of residence in property on
                          ||| completion. Foreign Nationals in UK
                          ||| considered MAX 80% LTV
    DSS Payments          ||: No
    Diplomatic Immunity   ||: No
    Debt History          ||: No
    Guarantors            ||: Refer
    Max age on application||: Refer to lender
    Interview Required    ||: No
    Multiple Applications ||: By negotiation
    Secondary Income      ||: By negotiation

LIFE COVER REQUIREMENTS
   Do not require life policies to be deposited with the title deeds
   



  

   


    PURCHASE
    Council RTB House / Flat (Refer) - 100% DPP- Lend 100%
    on concessionary purchase price & Improvements
    Second Residence (Owners / Dependents Use - Refer)
    Self Build (Refer)

    TENURE
    Freehold House
    Leasehold House / Flat
    Minimum lease required on application is 55 years
    Minimum lease required on redemption  is 30 years / 50 years
    for "standing loans" 

    CONSTRUCTION
    Conventional Brick / Tile

    PROPERTY
    Flat upto 4th floor (with / without a lift)
    Flat over shop (Connected - Commercial Max 70%)

    OTHER
    Ex Council House (Refer)
    More than one kitchen (Refer)
    Part Commercial (Doctors Dentists Shop etc.. Max 70% - Refer)
    Single Bedroom (Refer)
    Studio Apartment (Refer)
    Thatched Roof

LOCATION
    England & Wales


  

   

    Fees listed include non refundable administration fee of 20
    Re-Inspection Fee : 40 per visit required
    Valuations by extensive panel of qualified valuers
    Min 2 partners in practice & local to property

Where a Mortgage applicant arranges Building Insurance elsewhere (i.e not
through the Derbyshire) a "one off" fee of 20 will be charged.This is NOT 
an annual charge.

Where  a re-inspection is required to release all OR part of the advance 
the fee charged will be 50.
New Additional Advance Fee 95

We will No longer offer Mortgage applicants a refund equivilent to the 
cost of a standard valuation fee in circumstances where they decide 
on a RICS Homebuyers report or equivilent.Where a Homebuyers report 
is requested, the full valuation fee will be payable (unless waived as 
part of a specific product). We will assist applicants in instructing 
a surveyor (if requested) and the fee for this report will be payable by
the applicant directly to the surveyor.
        


  

   

|   No MIG Payable


  

   

    Bridging Finance         ||: Refer
    Drawdown Facility        ||: No
    Equity Release           ||: No
    Premium Funder           ||: No
    Self Build               ||: Refer
    Group Build              ||: Refer
    Shared Ownership         ||: No
    Top Ups                  ||: No
    Further Advances         ||: Yes
    Split Loans (End/Rep)    ||: Yes
    Negative Equity          ||: No
    ERP Refund / Waiver      ||: Yes - If taking another mortgage 
                             ||| with the lender & dependent upon 
                             ||| product
    Legal Fees Package       ||: Except on Fee Free Remortgage Package
    Secured Loans            ||: Existing borrowers only or 
                             ||: mortgage free properties
    Semi / Full Commercial   ||: By negotiation
    Second Charges           ||: No
    Minimum Term             ||:  5 years
    Maximum Term             ||: 25 years  
    Reference Fee            ||: 10 (Standard) 
    Lenders Questionnaire Fee||: 39.95
    Telegraphic Transfer     ||: 20
    Lenders Life Tie         ||: Norwich Union

    
    Intermediary Only 5 year Fixed rate Buy To Let Min loan 30,000 									0.35%	Min 150 Max 900
 
    PORTABILITY
    All products except for the discount and cashbacks are 
    portable. If a larger loan was taken then the difference would 
    have to be taken on another available product. If a smaller 
    loan was taken then a penalty may be charged on the difference, 
    each case is looked at on individual merit 

    
    We do not require life policies to be deposited 
    with the title deeds. We also do not need to know how an 
    interest only mortgage is to be repaid at the end of the 
    mortgage repayment period 

    IMPORTANT POINTS FOR INTERMEDIARIES
    Do not send any data relating to life policies, repayment plans 
    intended to pay off the capital at the end of the mortgage term

    Advise your clients that it is their responsiblity to make sure 
    they are able to repay the capital at the end of the mortgage 
    repayment period 

    Advise your clients that we will not have any details of how 
    they intend to repay their mortgage. This means we will not 
    know if any endowment policy or other financial plan they 
    intend to use lapses because the provider will not tell us 

    Your clients must make sure premiums are kept upto date