Employed |: Employers Reference Required. 
             || NHS,Police & MOD,refer to lender.
    Self Emp |: If individual prepares own accounts we require:-last 
             || 2 years Inland Revenue tax calculations,or last 2  
             || yrs self assessment tax returns.Accountants Statement
             || with Chartered Accountant letter,+ 3 mths bank 
             || statements.
    All      |: All apllicants must be out of their Probationary 
             || Period in Current Employment-permanant contract

    NON INCOME VERIFICATION
    Non income verification accepted unless >75% LTV. lender reserves the 
    right to ask for income verification. (If a customer opts for a product
    that will allow them to borrow more than 75% in the future, income 
    verification will still be required) For all mortgages of 75% LTV or 
    above, income verification will still be required from self-employed 
    and employed customers and their employers.



  

   
     Dependents Home (Refinancing or Capital Raising if new home 
                      increase facilities)
     Education Fees (Capital Raising)
     Holiday (Capital Raising)
     Holiday Home (Capital Raising)
     Investment (Capital Raising)
     Car,Boat, Caravan (Capital Raising)
     Second Home (Capital Raising)
     Medical Expenses (Capital Raising)
     Working Capital (Capital Raising)
     Debt Consolidation (Refinancing)- Debt Consolidation anc Capital Raising
     available across the product range upto 90% LTV on remortgages


  

   

    UK Tax Payers         ||: Yes
    Arrears Outstanding   ||: No
    Arrears Settled       ||: Will be considered
    CCJ's Outstanding     ||: No
    CCJ's Satisfied       ||: Will be considered
    Bankruptcy            ||: No/Discharged 6yrs considered
    Ex-Patriates          ||: No
    Foreign Nationals     ||: No/resident in UK 3yrs considered 
    DSS Payments          ||: No
    Diplomatic Immunity   ||: No
    Debt History          ||: No
    Guarantors            ||: No
    Max age on application||: 62 years
    Secondary Income      ||: Yes

LIFE COVER REQUIREMENTS
    Endowment|: Suitable Endownment Policy, PEP etc
    Repayment|: Term Cover recommended
    Int Only |: Term Cover recommended
    PEP      |: Term Cover recommended
    Pension  |: Term Cover recommended

    Most major Life Co's acceptable


  

   

    PURCHASE
    Main Residence Flat/House
    Second Home Flat/House
    Home for Dependent Flat/House(As long as applicants )
                                 (name is on title deeds)
    Holiday Home Flat/House
                                   
    TENURE
    Freehold House
    Leasehold Flat/House
    Feuhold Flat/House(Scotland only)

    CONSTRUCTION
    Conventional Flat/House
    Brick on Wood Flat/House
    Timber Frame House(Solid Brick Outer Wall)
    Thatched House(Only if building insurance is obtainable)

    PROPERTY
    Garden Floor Flat (with/without lift)
    Ground Floor Flat (with/without lift)
    1-3 Floor Flat (with/without lift)
    Flat Over Shop - with own entrance  
                   - Self Contained

    OTHER
    Studio Flat/House
    One Bedroom Flat/House
    2-6 Bedroom Flat/House
    7 Plus Bedroom Flat/House
    NHBC required if Property less than 10 Yrs old - NHBC lasts for 
    10yrs - not specific
    House with two Kitchens
    Back to Back House
    Self Build House
    Group Build House- Refer to Lender.


BUY TO LET 

Upto 10 BTL properties to a Max of 1 Mil (inclusive of any
 Freestyle residential Mortgage. 

Self Cert-For LTV'S less than 50% no earned Income/employment 
vertication is required.
Must have been self employed for 2 years. No corporate clients

Employed - Continuous employment for 2 years.Must be in current job
for 3 months. No more than 2 employers in last year. For LTV'S less
than 50% no earned income/employment vertification is required.




LOCATION
    England, Wales, Scotland, Scottish Isles, Northern Ireland 


  

   

~    Valuation              Fee
~

     Home Buyers Report
     Valuation              Fee
     Upto 50,000           239
     50,001 - 75,000      289
     75,001 - 100,000     319
     100,001 - 125,000    349
     125,001 - 150,000    369
     150,001 - 200,000    399
     200,001 - 250,000    459
     250,001 - 300,000    489
     300,001 - 350,000    519
     350,001 - 400,000    559
     400,001 - 450,000    609
     450,001 - 500,000    659
     500,001 + Negotiable 

     Building Survey
     Valuation              Fee
     Upto 50,000           389
     50,001 - 75,000      429
     75,001 - 100,000     459
     100,001 - 125,000    489
     125,001 - 150,000    509
     150,001 - 200,000    609
     200,001 - 250,000    619
     250,001 - 300,000    649
     300,001 - 350,000    679
     350,001 - 400,000    729
     400,001 - 450,000    809
     450,001 - 500,000    859
     500,001 + Negotiable 

     The Fee quoted for the Home Buyers Report and the Building 
     Survey includes the Cost of the Standard Valuation Report.


  

   

|   None Charged


  

   

    Bridging Finance         ||: No
    Drawdown Facility        ||: Yes 
    Equity Release           ||: Yes
    Top Up Loans             ||: Yes (New Borrowers)
    Further Advances         ||: Yes (Existing Borrowers)
    Self Build               ||: Yes
    Group Build              ||: No
    Shared Ownership         ||: Yes (Secured 1st charge over 100% 
                             ||: of property)
    Split Loans              ||: Yes (Interest Only - Supported by 
                             ||| suitable repayment vehicle, & 
                             ||| Capital/Interest Repayment. Any 
                             ||| Split provided suitable repayment 
                             ||| vehicle provided)
    Negative Equity          ||: No
    ERP Refund / Waiver      ||: No
    Legal Fees Package       ||: Yes
    Secured Loans            ||: Yes
    Semi / Full Commercial   ||: No
    Second Charges           ||: We accept business overdrafts or 
                             ||: if custs employer provides a free
                             ||: or low cost loan i.e armed forces
                             ||: require a deed of postonement
                             ||: (cust has to meet expenses)
    Minimum Term             ||: 3 years
    Maximum Term             ||: to age 65 Years
    Reference Fee            ||: None charged
    Lenders Questionnaire Fee||: 50 plus vat
    Telegraphic Transfer     ||: 13.00

    Assistance with fees, residential loans over 50k.

    House purchase and remortgage cases will pay the appropriate valuation
    fee up front.With assistance with fees, the customer will be reimbursed
    the full standard valuation including the administration fee. The cost 
    of the valuation is then added to the customer's loan amount upon 
    completion.

    House purchase customers will pay their third party solicitor for 
    their conveyancing work when purchasing the property.If they choose to
    take assistance with fees, they will be reimbursed with 250 upon 
    completion. The 250 is then added to the customer's loan amount upon 
    completion.

    Remortgage customers can choose to use their own third party solicitor
    or SLB's panel solicitor. If taking assistance with fees and using their 
    own third party solicitor, they will be reimbursed 250 upon completion. 
    The 250 is then added to the customer's loan amount upon completion. If 
    the customer chooses to use SLB's panel solicitor and takes assistance 
    with fees, no reimbursement will take place, however, 250 will be added
    to the customer's loan upon completion.

    Assistance with fees can be added to the loan over a minimum of 3 years 
    and maximum of the mortgage term.
    Assistance with fees added to the loan are calculated on a repayment 
    method only. They are calculated at the rate the payment will revert to 
    after any discounted or fixed rate period is completed.