Employed |: Where borrowing is over 95% LTV last 3 payslips and latest 
             || P60 OR an employers reference is required + 3 mths bank 
             || statements
             || Upto 75% LTV and under 350,000 3 mths continuous bank
             || statements. 
             || For loans over 75% LTV over 350,000 please supply last 
             || 3 mths personal bank statements and latest P60
    Self Emp |: Upto 75% LTV please supply last 3 mths personal and 
             || last 6 mths business bank statements. For loans 
             || over 75% LTV please supply last 3 mths personal and 
             || last 6 months business bank statements plus last 2 
             || years accounts. If accounts are not available 
             || lender will consider for sole trader and 
             || partnerships, the last 2 yrs tax returns or 
             || accountants references 
    All      |: Valuation and satisfactory proof of ID and address



  

   
     
    Max 99% (although tiered downwards for larger loan amounts)
    Capital Raising is allowed for any legal reason with the 
    exception of business use



  

   

    NON UK Tax Payers     ||: Yes 
    Arrears Outstanding   ||: No
    Arrears Settled       ||: Refer
    CCJ's Outstanding     ||: Refer
    CCJ's Settled         ||: Refer (Will consider no more than 1
                          ||| satisfied CCJ)
    Bankruptcy            ||: Min 3 years - Refer
    Ex Patriates          ||: Yes
    Guarantors            ||: No
    Foreign Nationals     ||: Yes subject to 5 yrs residency
    Multiple Applications ||: No
    Loan Guarantors       ||: No
    Debt History          ||: Refer
    Diplomatic Immunity   ||: Refer

LIFE COVER REQUIREMENTS
    Interest Only mortgages are not acceptable. A suitable repayment
    vehicle must be in place (ie - endowment, ISA etc..)




  

   

    PURCHASE
    Main residence
    Studio Flat/House
    One Bedroomed Flat/ House
    2-6 Bedroomed Flat/House - if residential puposes, not to be 
    rented, subject to Valuation
    7 plus bedroom flat/house - if residential puposes, not to be 
    rented, subject to Valuation

    TENURE
    Freehold House/Flat - Yes with suitable maintenance contracts 
    in place              
    Leasehold House / Flat Min 60 years remaining at outset and 30 
    years at end of term
    Feuhold House / Flat  Yes with suitable maintenance contracts 
    in place              
    Flying Freehold House/ Flats Yes with suitable maintenance 
    contracts in place              

    CONSTRUCTION
    Concrete (Subject to Valuation)
    Timber frame
    Wholly timber
    Thatched roof

    PROPERTY
    Flat upto 5 storeys (with/without lift)    

    OTHER
    Ex Council House / Flat (Subject to Valuation)
    2 kitchens - (Subject to Valuation)
    Back to back(Subject to Valuation)
    NHBC required if property less than 10 years old (or Architect 
    Certificate)(Subject to Valuation)
    Self Build(Subject to Valuation)

LOCATION
    England, Wales, Scotland & Scottish Isles

    THE ONE ACCOUNT FEES APPLICABLE IN SCOTLAND ONLY

    Current Account Mortgage
    Remortgage - Approx 330 (VAT inc)


  

   

~   Valuation                      
~   Purchase Price         Fee 
~
    Re-Inspection fee 55
     Refer for Home Buyers Report & Building Survey fees


  

   

|    None Charged


  

   

    Bridging Finance  ||:No 
    Drawdown Facility ||:Refer
    Equity Release    ||:Yes 
    Top Ups           ||:Yes
    Further Advances  ||:Yes
    Minimum Term      ||:5 years
    Maximum Term      ||:Retirement Age
    Split Loans       ||:Repayment & int only as long as the int 
                      |||only part is backed by an investment 
    Negative Equity   ||:No
    Second Charges    ||:Refer
    Questionnaire Fee ||:58.75 inc VAT
    Reference Fee     ||:11.75 inc VAt
    Telegraphic fee   ||:0
    Life Tie          ||:No
    Secured Loans     ||:No
    Legal Fees Package||:Yes. We offer a Free legal fees package for 
		      |||Remortgage cases on our flexible Mortgage option		

All purchase entries

From 14th March 2005,

New build properties costing over 500,000 will require:
A standard valuation report,no other documentation will be required
for the property.

New build properties costing 500,000 or less will require:
The agents selling details and the builders price list.
Confirmation of NHBC or similar acceptable cover will also be required.