Employed |: P60 and 3 mths payslips, Employers Reference if 
             || P60 + payslips not provided, 6 months continuous employment
    Self Emp |: Accountants reference with last 12 mths figures
             || or refrence from Book-Keeper if Self Cert
    FTB      |: As above, including rent reference
    RTB      |: No

    PROOF OF IDENTIFICATION REQUIREMENTS
    
    One of the following items must be provided
    Valid Full Passport (including photo and signature)
    UK Drivers Licence (not Provisionals)
    UK New Style Drivers Licence (including Photo and Signature)
    Self Employed in the construction industry - tax exemption certificate 
    (forms C155, C156 or SC60) (Including photo and signature)
    Inland Revenue Tax Notification
    Employees or HM Forces ID Card with photograph and signature from a recognised
    Firearm and Shotgun certificate

    N.B We Will accept copies if certified by any of the following
    Your Solicitor
    A Bank official
    MCCB/FISA registered intermediary
    Your GP
    A Police Officer
    A Teacher/Lecturer
    A Person with a professional qualification e.g Civil Engineer, Chartered Accountant
    
    Proof of Residency
    In addition to the proof of Identification, Proof of Residency (ies) will
    also be required by way of a Voters Roll check. Should either of the applicants not 
    appear on the voters roll, one orignal item from the list below must be provided for 
    each address resided at during the last 24 months
    Utility Bill e.g Gas, electric or telephone (Excluding Mobile phone bills)
    Mortgage Statement
    Bank or Credit Card statement
    Local Authority tax bill
    UK New Style Drivers Licence (including photo and signature)
    Local Authority rent card or tenancy Agreement
    Vehicle Registration Document
    TV Licence
    Inland Revenue Tax Notification
    Benefits/pension books
    Digital/Cable Contract Agreement or Bills
    Investment/Savings/Interest Certificates

    All of the above items for proof of residency must cover the 
    period required and be originals. Certified copies are not acceptable
  

    

    ID = One item from first list (driving licence/passport etc - can be certified copies)
    + recent utility/bank statement (from last 3 months - has to be original)
    
    Residency = voters roll (for 2 years)

    2nd Mortgages
    ID - same rules as above
    
    Residency = Same rules as above except period required is 1 year and not 2

   
    DOCUMENT SUBMISSION
    Any approved professional can certify the stated items from 
    List A and 1 & 2 from List B detailed above - provided the 
    certification is on their letterhead 

    They must also state their name in print and signature format 
    as well as date and confirm professional status/qualifications 

    Items from LIST B Numbers 3 to 7 - should any of these be 
    submitted either individually or together, they MUST be 
    originals. We Will not accept certified copies 

    APPROVED PROFESSIONALS
    Solicitor
    Bank Official
    MCCB Registered Intermediary
    General Practitioner
    Police Office
    Teacher/Lecturer
    A person with a professional qualification i.e.Civil Engineer, 
    Chartered ASccountant

    NOTES
    If the applicant is a professional they cannot certify their 
    own documents  
    No deviation from the document type and submission method is 
    acceptable
    Proof of ID must be provided prior to offer - Introducers are 
    encouraged to submit ID with the application
    



  

   

    Acceptable Purposes 
    Marital Settlement
    Dependents Home
    Self Build Home
    Education Fees
    Holiday
    Holiday Home
    Investment
    Property to Let
    Car, Boat Caravan
    Second Home
    Medical Expenses
    Working Capital
    Business Start Up
    Debt Consolidation


  

   

    UK Tax Payers         ||: Yes
    Arrears Outstanding   ||: Yes
    Arrears Settled       ||: Yes
    CCJ'S Outstanding     ||: Yes
    CCJ'S Satisfied       ||: Yes
    Bankruptcy            ||: Yes
    Ex Patriates          ||: Yes
    DSS Payments          ||: No
    Diplomatic Immunity   ||: No
    Debt History          ||: Yes
    Guarantors            ||: No
    Max age on application||: No Maximum
    Multiple Applications ||: No

LIFE COVER REQUIREMENTS
    Life cover required but not assigned


  

   

    Minimum valuation 30,000, 50,000 for London Postcodes

    PURCHASE
    Freehold House
    Leasehold Flat/House
    Feuhold Flat/House

    TENURE
    Main Residence Flat / House
    Second Home Flat/House
    Home for dependent flat / house
    Holiday Home flat / house

    CONSTRUCTION
    Conventional flat / house
    Brick on wood flat / house
    Timber Framed house
    Thatched House

    PROPERTY
    Garden Floor flat (with/without lift)
    Ground Floor flat (with/without lift)
    1-3 floor flat (with/without lift)
    4-6 floor flat (with/without lift) - Refer
    7 plus floor flat (with/without lift) - Refer

    NHBC required if property less than 10 years old

    OTHER
    House with 2 kitchens - Refer
    House with no inside WC - Refer
    House with no bathroom - Refer
    Back to Back House
    Self Build House
    Group Build House

LOCATION
    England, Mainland Only, Wales, Scotland


  

   

~      Purchase Price      Fee
~                        inc VAT
    
    For Futures Buy to Let add 50 per property.

    Fee known as Application Fee which incorporates 
    the Survey and Adminstration fees, the Fee is NOT
    refundable where costs have been incurred.

    A cheque for the application fee, payable to Future Mortgage
    must accompany the application.  Credit or debit cards are 
    also acceptable & details should be entered on the App form 
    Application Fees for Buy to let are 250.

    Re-Inspection Fee - 50 
    Val - Type        - 50
 
    Applications submitted via the Future B.Soc Web site 150 fee.


  

   
     
    NO MIG payable on any products

    



  

   

    Bridging Finance      ||: No
    Drawdown Facility     ||: No
    Equity Release        ||: Yes
    Self Build            ||: Yes
    Group Build           ||: Yes
    Top Ups               ||: Yes
    Further Advances      ||: Yes
    Split Loans (End/Rep) ||: No
    ERP Refund / Waiver   ||: No
    Legal Fees Package    ||: No
    Secured Loans         ||: No
    Semi / Full Commercial||: No
    Second Charges        ||: No
    Minimum Term          ||: 5 years
    Maximum Term          ||: 35 years
    Reference Fee         ||: 47 part of application/Valuation fee
    Questionnaire Fee     ||: 47 part of application/Valuation fee
    Telegraphic Transfer  ||: 25
    Lenders Life Tie      ||: None 

SERVICE/PROC FEES
    All products	1% No min No max