All Applicants are credit scored.

    LOANS UPTO 75% LTV
    Verification of Income may be required - subject to credit score.
    However, on request, customers must be able to provide income
    verification on the same basis as for loans over 75% LTV. Lender
    will advise of requirements on application
    
    LOANS OVER 75% LTV
    See below for details of the documents required to verify income.
    This is a guide only, for further details refer to your Intermediary
    Sales Manager

    Employed either, latest monthly payslip or latest two weekly pay slips
    or if overtime, bonus or commission is being used, latest three 
    monthly payslips or latest six weekly pay slips

    Self Employed, Letter from Accountant or latest 2 years tax assessments

    All : Latest six months mortgage/tenancy payment history confirmed 
    from either statements or references
    Proof of name and address 
    
    Acceptable forms of identification for proof of name and
    address: full signed passport, UK driving Licence(full paper
    version), UK photocard griving licence (full or provisional),
    firearms certificate, building industry sub-contractor's
    certificate (issued by the Inland Revenue), Benefits Agency
    benefit book or original notification letter from the benefits
    Agency confirming your clients right to benefits, Inland
    Revenue tax code notification, Residence permit (issued by the
    Home Office to EU nationals)

    Income Multiples

    See individual product for details.  Please note that income 
    multiples are a guide only and applicants are subject to status
    and affordability assessments

    Please check that all paperwork is in order and forms are
    signed and dated before submission. 



  

   

    For Capital raising on a mortgage free property ONLY home
    mover products can be used.
    These cases are not eligible for the Halifax Remortgage Service.

    Maximum Loan: for Remortgage is 95%
                  for Capital raising is 95%
                  for second home loans and expatriate mortgage
                  scheme is 75%

    Remortgage Service

    Remortgage applications will be processed using the Halifax
    Remortgage Service.  This service is only for remortgages on
    property in the UK.  It is not available if your client has an
    existing Halifax PLC mortgage.  The Remortgage service is not
    available on property in the Isle of Man.

    We will pay our conveyancer's legal fees, any registration
    fees and, if your client's property is leasehold, your
    client's landlord's fees for answering our conveyancer's
    enquiries.  Your client will have to pay any fees their
    existing lender may change them in connection with repaying
    their current mortgage.  These include your clients existing
    lender's conveyancer's fees if their existing lender does not
    allow our conveyancer to act for them too.

    We will arrange a property assessment that will concentrate
    on points we need to know.  A copy of the assessment will
    not be issued.


  

   

    UK Tax Payers         ||: No
    Arrears Outstanding   ||: No 
    Arrears Settled       ||: No
    CCJ's Outstanding     ||: Yes - Refer to Lender
    CCJ's Satisfied       ||: Yes - Refer to Lender
    Bankruptcy            ||: Refer - (Only discharged)
    Ex-Patriates          ||: UK Nationals abroad considered
    DSS Payments          ||: No
    Diplomatic Immunity   ||: No
    Debt History          ||: No
    Guarantors            ||: Yes - Refer to lender
    Max age on application||: N/A
    Interview Required    ||: Sometimes - Refer
    Multiple Applications ||: No
    Secondary Income      ||: Yes - Refer to Lender

    Overtime - 50% Regular  
               (may consider upto 100% of guaranteed overtime)

    INCOME MULTIPLES
    See individual product for details. Please note that income multiples
    are a guide only and applicants are subject to status and 
    affordability assessments

    PLEASE CHECK THOROUGHLY BEFORE SUBMITTING YOUR CASE TO THE LENDER

    LIFE COVER REQUIREMENTS
    Endowment|: Policy details noted but not assigned
    Repayment|: No compulsory requirement
    Int Only |: Investment Portfolio (PEP's Pensions etc)
    PEP      |: 100% of projected value of fund at 12% Growth Rate
    Pension  |: Personal  - 100% tax free cash at 12% Growth Rate
             || Executive - 100% Tax Free Cash at 12% Growth Rate

    Most major Life Co's accepted


  

   

    No fee if lenders Buildings Insurance is not taken. No minimum
    property value stipulated. Interest to be noted on policy.

    PURCHASE
    Council RTB House / Flat - 100% DPP 95% OMV
    Holiday Home UK (Max 75%)
    Second Residence (Owners / Dependents use - Max 75%)
    Self Build (Max 95%)
    Shared Ownership (Max 75% of each share)between 75%-97% Refer.
    Second Property - Max 75%

    TENURE   
    Freehold House
    Feuhold House / Flat (Scotland)
    Flying Freehold (Considered)
    Leasehold House / Flat
    Minimum lease required on redemption is 30 years

    CONSTRUCTION
    Conventional Brick / Tile
    Wholly Timbered (Considered)
    Non Standard Construction (Considered)
    Concrete 
    Steel Framed

    PROPERTY
    Flat up to 4th floor (with / without a lift)

    OTHER
    Garden Flat
    Ground Floor Flat
    Back to Back
    Converted Flat
    Ex Council  - House / Flat
    More than one kitchen (Considered)
    Single bedroom
    Studio apartment
    Thatched Roof

LOCATION
    England (inc Isle of Wight) Wales Scotland Scottish Isles
    and Northern Ireland

    Northern Ireland - 10-11 Shaftsbury Square
                       Belfast
                       BT2 2DG
                       Tel||: 0232 247777

    Northern Ireland office does not lend in Southern Ireland OR
    on properties in the UK


  

   

~   Price    Mortgage   
~   (up to)  Report     

 
    
    Structural Survey Report by arrangement with Valuer
    Refer for panel of acceptable surveyors
    Survey Free if Re-Mortgage
    Fees shown include 75 admin fee


  

   

|   Known to lender as Additional Mortgage Security Fees
|         Advance   G.P. rates
|     There is no MIGP charged on loans upto 90%

|     90.1 -  97%  ||7.25% / 1000, and charged at 75 LTV.

|   Min Premium - 130

|   Prefers MIGP to be paid on completion. If not within 14 Days
|   of completion it will be added to the mortgage and Interest  
|   charged at HVR1 rate.
    Payments will be adjusted from the date of next payment review. 
   


  

   

    Self Certification      ||: No 
    Bridging Finance        ||: No
    Drawdown Facility       ||: Yes
    Equity Release          ||: No roll up of interest
    Premium Funder          ||: No
    Self Build              ||: Architects Supervision
    Group Build             ||: No
    Shared Ownership        ||: Max 75% of tranche being purchased
    Top Ups                 ||: No
    Further Advances        ||: Yes
    Split Loans (End / Rep) ||: Yes
    Negative Equity         ||: Existing borrowers only 
    ERP Refund / Waiver     ||: Yes
    Legal Fees Package      ||: No
    Secured Loans           ||: Yes
    Semi / Full Commercial  ||: No
    Second Charges          ||: Yes
    Minimum Term            ||: None
    Maximum Term            ||: 25 yrs repayment/40 yrs other/30 yrs 
                            ||: capital & interest for FTB.
    Reference Fee           ||: None
    Questionnaire Fee       ||: 65 incl VAT
    Telegraphic Transfer    ||: 18
    Lenders Life Tie        ||: Halifax Life 

    INCOME MULTIPLES
    See individual product for details. Please note that income multiples
    are a guide only and applicants are subject to status and
    affordability assessments

    PLEASE CHECK THOROUGHLY BEFORE SUBMITTING YOUR CASE TO THE LENDER

    RETIREMENT HOME PLAN
    An Interest Only loan for the retired and elderly. Loans available
    for home purchase, improvements and repairs, annuity purchase and 
    Capital Raising. The loan does not require the interest only loan to 
    be supported by any investment plans.
    Maximum loan 75%, Minimum age 55
    Refer to your Intermediary Sales Manager.
 
    Lending into Retirement
    Lending into retirement rules apply for all cases where the 
    loan extends beyond age 65 or where an earlir retirement date
    is keyed.
    See the Halifax lending Guide for more details. 
    have the Specific Income required

    MIX and MATCH 
    Annual interest products cannot be mixed and matched with daily
    interest products.  First time buyer special, New Build and CAT
    standard products cannot be mixed and matched with other products.