Manager)

    Employed|: Latest Months pay slip and Bank Statement(Basic Income)
    Employed|: Last 3 months pay slips & Bank Statement (Basic income 
               plus 50% of Overtime and Commision) 
    Employed|: Latest 3 months pay slip, Bank Statement and latest years 
               P60 (Basic income plus 100% of Overtime and Commision)
    Employed|: Latest months pay slip, Bank Statement and latest years P60
               (Basic income plus 50% of Bonus)
    Employed|: Latest months pay slip, Bank Statememnt and latest 2 years 
               P60s (Basic income plus 100% of Bonus)         
    Self Emp|: 2 years Trading Accounts from Chartered / Certified
            || Management or Authorised Public Accountant
    FTB     |: As above
    RTB     |: As above plus written detail from the local authority 
               confirming acceptance of the scheme and discount
    All     || Proof of Identity           
            || Credit Reference
            || Valuation Report

    Acceptable forms of identification
    Current valid full passport / Full UK driving license / Provisional 
    UK photo driving license
    EU National Identity Card with photograph and signiture



  

   
        
    Maximum LTV 95% for Home Improvements, 95% if any element of
    loan is to be (or has been) used for Capital Raising

    Acceptable Purposes
    Home Improvements
    Re-Finance (replace existing loan -  dependent on 
    circumstances)
    Holiday
    Marital Settlement (Eligible further advance)
    Purchase a Car Boat Caravan etc.. (Capital Raising)


    Unacceptable Purpose
    Purchase of a timeshare or business related finance


  

   

    UK Tax Payers         ||: Refer
    Arrears Outstanding   ||: Refer
    Arrears Settled       ||: Refer
    CCJ's Outstanding     ||: No
    CCJ's Satisfied       ||: Refer
    Bankruptcy            ||: Refer Discharged  -
                          ||| must have been discharged for 
                          ||| minimum of 4 years
                          ||| Undischarged - No
    Ex-Patriates          ||: UK Nationals abroad considered
    DSS Payments          ||: Refer
    Diplomatic Immunity   |:  Refer   
    Debt History          ||: Depends on circumstances - Refer to
                          ||| Lender
    Guarantors            ||: No                          
    Max age on application||: Depends on circumstances
    Interview Required    ||: If possible
    Multiple Applications ||: Max 2 Applicants - Residential 
                          ||| Max 4 Applicants - BTL
                          ||| 2 incomes considered
    Secondary Income      ||: Refer
    Short Term Contracts  ||: Refer

LIFE COVER REQUIREMENTS
    Endowment|: With Profits & Unit Linked
    Repayment|: No compulsory requirements
    Int Only |: No - Residential. Yes - BTL
    PEP      |: Yes
    Pension  |: Personal Yes
             || Company   - N/A
             || Executive - N/A

    Most major companies accepted


  

   

    25 one off premium charged on BTL cases
    Minimum property value 41,176 (BTL)
    dependent on  valuer's comments

    PURCHASE
    Council RTB (not BTL) - (Max 100% of discounted price up to a max 80% 
    of the true market value
    Second Residence (Owners Use - Subject to Criteria)
    Second Residence (Dependents Use - Subject to Criteria)
    Shared Ownership (Nor BTL) (Max 100% of share being purchased upto a 
    max 80% of the true market)

    TENURE
    Freehold House
    Feuhold Flat / House (Scotland)
    Agriculturally restricted (Free / Leasehold - Dependent on
    restrictions - Max 80% LTV - Borrower must comply with
    restriction)
    Leasehold Flat / House
    Ex-council Flats,Masonettes,House/ are exceptable providing
    the valuer is able to recommend the property as a suitable
    Security.The flats,maisonettes must be in blocks of less than
    Seven Storeys. 
    Minimum 25 years remaining on lease after agreed maturity date

    CONSTRUCTION
    Conventional Brick / Tile
    Non Standard Construction (Dependent on type) - Refer

    PROPERTY
    Flat upto 7th floor (with / without lift)Refer to lender for 
    Properties where more than 7 floor in block (regardless on floor 
    property on)

    Flat over shop (Self Contained - max 90%)

    OTHER
    Converted Flat
    Ex Council - House 
    Ex Council Flat - (subject to valuation report and floors in block)      
    Thatched Roof (subject to indemnity & fire cover)
    

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

    If purchasing in Scotland application must be sent to
    Scottish Branch

    Lender will lend in France and Italy for more information
    contact "Woolwich Europe" on 0181 298 5000


  

   

~   Purchase price /   Survey   
~   estimated value     fee     
   
    BUY TO LET                 HOME FILE 1, (Basic Report)
    upto    - 75000   170    upto    - 75000   245
    75001  - 100000  190    75001  - 100000  265
    100001 - 150000  220    100001 - 150000  295
    150001 - 200000  260    150001 - 200000  325 
    200001 - 250000  280    200001 - 250000  355 
    250001 - 300000  320    250001 - 300000  385 
    300001 - 350000  330    300001 - 350000  415
    350001 - 400000  380    350001 - 400000  445
    400001 - 450000  400    400001 - 450000  475
    450001 - 500000  440    450001 - 500000  505
    500001 - 600000  520    500001 - 600000  595
    600001 - 700000  580    600001 - 700000  685
    700001 - 800000  600    700001 - 800000  775
    800001 - 900000  800    800001 - 900000  815
    900001 - 1000000 800    900001 - 1000000 955

    HOME FILE 2 (Home Buyers)  HOME FILE 3 (Full Structural Report)     
    upto    - 75000   365    upto    - 75000   780
    75001  - 100000  395    75001  - 100000  820
    100001 - 150000  435    100001 - 150000  860
    150001 - 200000  495    150001 - 200000  900
    200001 - 250000  555    200001 - 250000  940 
    250001 - 300000  615    250001 - 300000  1000 
    300001 - 350000  675    300001 - 350000  1060
    350001 - 400000  745    350001 - 400000  1130
    400001 - 450000  815    400001 - 450000  1210
    450001 - 500000  885    450001 - 500000  1300
    500001 - 600000  965    500001 - 600000  1400
    600001 - 700000  1045   600001 - 700000  1510
    700001 - 800000  1125   700001 - 800000  1630
    800001 - 900000  1205   800001 - 900000  1750
    900001 - 1000000 1295   900001 - 1000000 1880
   
    Structural Survey Fees - Surveyor to advise
    Re-inspection fee 45
 



  

   

  None


  

   

    Bridging Finance         ||: No
    Drawdown Facility        ||: Not as a drawdown. Advances made
                             ||| by instalments
    Equity Release           ||: No
    Premium Funder           ||: No
    Self Build               ||: Yes
    Group Build              ||: No
    Shared Ownership         ||: Yes - If mortgage protection
                             ||| clause incorporated within lease.
                             ||| Minimum share 25% and maximum LTV
                             ||| on share is 100% where the loan to value 
                             ||| does not exceed 80% on the true market 
                             ||| value
    Top Ups                  ||: No
    Further Advances         ||: Yes
    Split Loans (End / Rep)  ||: Yes 
    Negative Equity          ||: Existing borrowers only - refer 
                             ||: to lender
    ERP Refund / Waiver      ||: Refer
    Legal Fees Package       ||: Refer
    Secured Loans            ||: Yes
    Semi / Full Commercial   ||: No
    Second Charges           ||: Refer
    Minimum Term             ||: 5yrs
    Maximum Term             ||: 35 years, (25yrs BTL)
    Reference Fee            ||: None
    Questionnaire Fee        ||: Depends on individual
                             ||| questionnaire
    Telegraphic Transfer     ||: Facility not available
    Lenders Life Tie         ||: Woolwich Life (joint venture with
                             ||| Sun Alliance). Also have
                             ||| Independent Financial Advisory
                             ||| subsidiary


    Buy to Let Survey Fees :-
    Upto       75000  170    350001 - 400000   380
     75001 - 100000  190    400001 - 450000   400 
    100001 - 150000  220    450001 - 500000   440
    150001 - 200000  260    500001 - 600000   520
    200001 - 250000  280    600001 - 700000   580
    250001 - 300000  320    700001 - 800000   600
    300001 - 350000  330    800001 - 900000   800
                               900001 - 1000000  800
                               1000001 + By Neg
    
INCOME MULTIPLES 
    Max 4 + 1 or 3 x joint up to 95% LTV subject to affordibility and 
    individual circumstances

SWITCH & SAVE CONDITIONS

    Switch & Save condition for a free Valuation through our 
    nominated valuer and free legal fees through our nominated 
    solicitor.
    As part of the mortgage package, we offer a free legal service
    via a panel of solicitors who act on our behalf only.
    The free legal service is not available should you choose not 
    to use the appointed panel solicitor.  A cashback alternative
    is normally available in these circumstances - Please refer to 
    the relevant Branch for further details 
 

SERVICE/PROC PAYMENTS
    125 payable in the month following completion of mortgage. 
    Only available on cases submitted to and processed at the 
    above contact points. Extra 25.00 for sale of Woolwich 
    Buildings & Contents cover plus a further 25.00 for Payment 
    Protector. An Additional 75.00 Proc Fee is available on all 
    OPEN PLAN Mortgage Applications - this applies to completed 

   
   Applications over 1 Million have a 0.5% fee plus the original app
   Fee. (This applies to Capped, Fixed , Discount, Discounted Trackers,
   or any combination there of- Please Refer to Lender for further details.
 
Telephone numbers for telephone mortgage applications EXCLUDING BTL
Northern Region-0845 672 4448
Southern Region-0845 672 4446
Eastern Region -0845 672 4452