Employed |: Most recent P60, last 3 up to date payslips OR 
             || employers reference, Min employment period 3 mths
    Self Emp |: 2 years accounts at 90% LTV, 1 year everything else
    FTB      |: As above
    All      |: Valuation
              
    Self Certification
    Employed |: Phone call to emploeyer to verify applicants 
             || position is permanent
    Self Emp |: Phone call to accountant to verify applicant 
             || has been trading for a minimum of 6 months (accountant
             || must be chartered/certified for loans above 100,000)


  

   
     Max 90%, however the maximum increase in secured debt is 
     limited to 10%+ remortgage fees


  

   

    UK Tax Payers         ||: Yes
    Arrears Outstanding   ||: Yes
    Arrears Settled       ||: Yes
    CCJ's Outstanding     ||: Yes but refer for Self-Cert 
    CCJ's Settled         ||: Yes but refer for Self-Cert
    Past Bankruptcy       ||: Yes but not for Self-Cert_
    Ex Patriates          ||: Yes
    Guarantors            ||: RTB only
    Multiple applications ||: maximum 4
    Debt History          ||: Yes
    Foreign Nationals     ||: Refer to Lender

LIFE COVER REQUIREMENTS
    Repayment or interest only or combination. No assignment of policy
    is required



  

   

    PURCHASE
    Main residence House/Flat
    Home for dependent House/Falt
    Second Home Flat/House
    Holiday Home Flat/House

    TENURE
    Leasehold House / Flat
    Feuhold Flat/House
    Flying Freehold Flat/House - refer to underwriter


    CONSTRUCTION
    Conventional Brick on wood - refer to underwriter
    Concrete - Depending on type of construction - refer to 
    underwriter
    Steel Framed - Depending on type of construction - refer to 
    underwriter

    PROPERTY
    Garden floor flat (with/without lift) Leasehold only
    Ground floor flat (with/without lift) Leasehold only

    OTHER
    No inside WC - refer
    No bathroom  - refer
    Ex council house
    Flat over shop - connected - Yes, refer to underwriter
    Flat over shop - Self Contained
    House with 2 kitchens - Good explanation required
    Self Build House - Yes with full retention

LOCATION
    England, Scotland (incl Scottish Isles) and Wales
    
    Self-Cert - England & Wales Only


  

   

~      Valuation        Fee (inc VAT)




  

   

     None charged


  

   
    Bridging Finance  ||: No
    Drawdown Facility ||: No
    Equity Release    ||: No
    Top Ups           ||: No
    Further Advances  ||: Yes after 6 mths
    Split Loans       ||: Yes
    Negative Equity   ||: No
    Secured Loans     ||: No
    Second Charges    ||: No
    Minimum Term      ||: 5 years
    Maximum Term      ||: 30 years
    Reference fee     ||: refer to Lender
    T. Transfer fee   ||: 30