Employed |: Maximum of 1 Months Payslips or Bank Statements 
    Self Emp |: Minimum of 1 yrs audited accounts  
    FTB      |: As above      
    All      |: Previous Lender - Reference not requested if last 
             || annual statement available. 
             || Valuation / booking fees where necessary

    Proof of Identity is required        
    All applicants are Credit Scored


  

   

    ACCEPTABLE PURPOSES 
    Home Improvements - 95% LTV Dependent on Criteria
    Marital Settlement - Refer to Lender
    Re-Finance ( 95% dependent on Criteria)
    Dependents Home - N/A Must be Owner Occupied
    Education Fees - Refer to Lender
    Holiday - Refer to Lender
    Holiday Home - Will lend providing its Not rented
    Property to Let - N/A Not Considered
    Purchase car, N/A
    Second Home - Will consider providing it is owner occupied
    Medical Expenses - Refer to Lender
    Business Borrowing - N/A
   


  

   

    UK Tax Payers       ||: Yes
    Arrears Outstanding ||: Credit History Considered
    Arrears Settled     ||: Credit History Considered
    CCJ's Outstanding   ||: No
    CCJ's Settled       ||: Only considered after 6 years
                        ||| of settlement 
    Bankruptcy          ||: No
    Ex Patriates        ||: No
    Interview Required  ||: No
    Guarantors          ||: No
    Debt History        ||: Considered
    Guarantors          ||: No
    Diplomatic Immunity ||: No

    Min Employment Period (Employed) - None
    Min Trading Period (Self Employed) - 1 Year
    If considered Professional - Professionals are acceptable

    Income Multiples - Assessed on Affordability

LIFE COVER REQUIREMENTS
    Int Only |: Recommended but not Required
    Pension  |: No Stipulations as to the conditions of policy
    PEP      |: Same as Pension

    Most Life Companies acceptable


  

   

     No fee if lenders Buildings Insurance not taken

    PURCHASE
    Main residence - Yes
    Second Home - Providing its not rented 
    Home for dependent - No
    Holiday Home - Yes
    Council RTB - No
    Shared Ownership - No       

    TENURE
    Freehold House (Flats no Refer - House- Yes)
    Leasehold House / Flat  - Yes
    Feuhold House / Flat - Yes
    Flying Freehold House - No    
    Agriculturally Restricted Flat/House

    CONSTRUCTION
    Coventional
    Brick on wood - Individual
    Concrete
    Wholly timber
    Thatched House

    PROPERTY
    Flat over 5th floor - Refer   
    Flat over shop considered - Must have seperate Entrance  
    Garden floor flat (with/Without Lift)

    OTHER
    Converted Flat
    Ex Council House / Flat
    2 kitchens
    No inside WC
    No bathroom
    Back to back
    Less than 10 yrs old- No NHBC 
    Group Build House 

LOCATION
    England, Wales, Scotland, Scottish Isles & Northern Ireland &
    Isle Of Wight


  

   
           
~   Valuation                      
~   Purchase Price         Fee 
~

    Re-inspection fee - 55

   Survey and Valuation Fee including Admin Fee

         100,000    445
         150,000    475
         200,000    525
         300,000    645
         400,000    775
         500,000    915
         600,000    1055
         700,000    1195
         800,000    1335
         900,000    1475
         1,000,000  1615
         1,200,000  1815
         1,400,000  2015
         1,600,000  2215
         1,800,000  2415
         2,000,000  2615
         2,200,000  2815
         2,400,000  3015
         2,600,000  3215
         2,800,000  3415
         3,000,000  3615
         3,200,000  3815
         3,400,000  4015
         3,600,000  4215
         3,800,000  4415
         4,000,000  4615
         4,200,000  4815
         4,400,000  5015
	 4,600,000  5215
         4,800,000  5415
         5,000,000  5615


  

   

|    Not Applicable



  

   

    Bridging Finance  ||: No
    Drawdown Facility ||: Yes
    Equity Release    ||: Yes
    Top Ups           ||: Refer to Lender
    Further Advances  ||: Refer to Lender 
    Maximum Term      ||: To Age 65
    Min Term          ||: 3 Years
    Second Charges    ||: No
    Split Loans       ||: Yes
    Secured Loans     ||: No other than Mortgage
    T Transfer Fee    ||: 25 
    Cross Selling     ||: Yes - Refer

   
    Income Multiples quoted are only a guideline as cases are 
    Assessed on a affordability basis.
 

    95 Administration fee for further advances. 
    The Cost of ASU will Increase to 70p per 100 of outstanding  
    Balance.