Employed|: Employers reference Previous employers
            || At least 3 mths payslips 
    Self Emp|: 3 yrs audited accounts
    FTB     |: As above
    RTB     |: As above
    All     |: Existing Lenders Reference/copy statement/payment 
            |: record
            |: Landlords Reference / Copy of Rent Book
            |: Bank Reference
            || Proof of Identity / Residency
            || Other Lenders Reference (Individual Merit)
            || Credit Reference (CCN)
            || Valuation Report

    Acceptable forms of identification
    Passport / Driving Licence / Signed Employers I.D Card with 
    photo / Armed Forces I.D Card


  

   

    Re-Finance (replace existing loan)
    Business Start Up (Maximum 75%)
    Education Fees (Maximum 75%)
    Holiday Home (UK / Overseas - Maximum 75%)
    Marital Settlement (Maximum 95%)
    Medical Fees (individual merit)
    Purchase Car Boat Caravan etc (Maximum 75%)
    Tax Settlement (individual merit)



  

   

    UK Tax Payers              ||: Not compulsory
    Arrears Outstanding        ||: No
    Arrears Settled            ||: No
    CCJ's Outstanding          ||: No
    CCJ's Satisfied            ||: No
    Bankruptcy                 ||: No
    UK Nationals Abroad        ||: Yes - Maximum 75%
    Foreign Nationals Abroad   ||: No
    Foreign Nationals in the UK||: No
    DSS Payments               ||: Individual Basis
    Diplomatic Immunity        ||: No
    Debt History               ||: Individual Basis
    Guarantors                 ||: Individual basis
    Max age on application     ||: Negotiable
    Interview Required         ||: Yes
    Multiple Applications      ||: Yes
    Secondary Income           ||: Yes (negotiable)

LIFE COVER REQUIREMENTS
    Endowment|: Term Assurance

    Most major Life Co's accepted. Policy does not need to be assigned,
    however, a capital choice declaration form must be signed


  

   

    25 charge if lenders Buildings Insurance is not taken
    

    PURCHASE
    Council RTB House/Flat
    Property to Let (owner use included / Investment)
    Self Build
    Shared Ownership
    Shared Equity

    TENURE
    Feuhold Flat / House (Scotland)
    Minimum lease required on redemption - 30 Yrs
    Freehold House 
    Leasehold Flat

    CONSTRUCTION
    Conventional Brick / Tile
    Timber Framed (Brick Cladding)
    Timber Framed (Other Cladding - Considered)
    Wholly Timbered (Considered)
    Non Standard Construction (Individual Merit)

    PROPERTY
    Flat up to 6th Floor (with/without lift)
    Flat over shop (Self Contained)

    OTHER
    Back to Back
    Converted Flat
    Ex Council - House/Flat
    More than one kitchen
    Part Commercial (Doctors Dentists Shop etc)
    Part Occupied
    Single Bedroom

LOCATION
    Scotland, Scottish Isles and Great Britain



  

   

~    Valuation               Fee (Inc VAT)

     Valuation               Housebuyers Report
                             Fee (Inc VAT)
     Upto        50,000        220
      50,001 - 100,000        285
     100,001 - 150,000        340
     150,001 - 200,000        405
     200,001 +                 Refer to lender
     
       Re-inspections|: 45
 
       Further Advances|:
       Valuation        Fee (Inc VAT)
       Upto   2,500      55
       Upto   5,000      60
       Upto  10,000      65
       Over  10,000      70
                                  
       Panel valuers used in all cases
       The society's scale valuation fees are the total payable 
       by applicants & include a 20 administration fee ( 10 for 
       further advances & re-inspection)


  

   

For LTV's under and including 80%-there is no premium.
For LTV's from 80%-90%- DBS will normally pay the premium on behalf of the
customer.
For LTV's from 90%-95%-the premium is 7.72%(repayment),8.76%(interest Only)
and this must be paid by the customer-it can be added to the loan where applicable.
For LTV's from 95%-upwards the premium is 12.05%(repayment),13.08%(interest only).
however the normal underwritting criteria is to only allow customers with
loans upto and including 95% LTV and not over this threshold.



  

   

    Bridging Finance         ||: No
    Drawdown Facility        ||: Yes (with valuers report at each 
                             ||:      stage)
    Equity Release           ||: No
    Premium Funder           ||: No
    Self Build               ||: Yes
    Group Build              ||: No
    Shared Ownership         ||: Yes
    Further Advance          ||: Yes
    Split Loans (End/Rep)    ||: Yes
    Negative Equity          ||: No
    ERP Refund / Waiver      ||: No
    Legal Fees Package       ||: No
    Secured Loans            ||: Yes
    Semi / Full Commercial   ||: Yes
    Second Charges           ||: No
    Minimum Term             ||: 2 Yrs
    Maximum Term             ||: 25 Yrs
    Reference Fee            ||: 40
    Lenders Questionnaire Fee||: 40
    Telegraphic Transfer     ||: 20
    Lenders Life Tie         ||: NU