Employed |: 2 payslips if paid monthly & 3 payslips if paid 
             || weekly
    Self Emp |: Accountants reference required if combined income 
             || over 40K p.a.
    FTB      |: Landlords reference required
    RTB      |: Rent reference required
    All      |: B.S.Q or rent reference required in all cases
             || Mortgage Reference required if you've had a 
             || previous Mortgage

    INCOME CALCULATION - a maximum of 40% of combined gross monthly
    income must cover mortgage payment


  

   

    Acceptable Purposes 
    Refinancing - Max 85%
    Home Improvements - Max 85%
    Marital Settlement - Max 85%
    Dependents Home - Max 85%
    Self Build - Once completed 85%
    Education fees - Max 85%
    Holiday - Max 85%
    Holiday Home - Max 75%
    Investment - Max 75%
    Property to Let - Max 75%
    Purchase a car, boat or caravan - Max 85%
    Second Home - Max 75%
    Medical Expenses - Max 85%
    Working Capital - Max 85%
    Business Start Up - Max 85%
    Debt Consolidation - 85%
                                                        



  

   

    Arrears Outstanding  ||: Yes
    Arrears Settled      ||: Differs depending on product, see 
                         ||: individual product note
    CCJ's Outstanding    ||: Differs depending on product, see 
                         ||: individual product note
    CCJ's Settled        ||: Differs depending on product, see 
                         ||: individual product note
    Bankruptcy           ||: Differs depending on product, see 
                         ||: individual product note
    Ex Patriates         ||: Yes
    Guarantors           ||: Yes
    Debt History         ||: Yes
    Min Employment period||: 2 months
    Min Trading period   ||: 3 mths


LIFE COVER REQUIREMENTS
    Most major Life Companies considered



  

   

    Minimum property value upto 85% 40,000, upto 80% 35,000, upto 
    70% 30,000        

    PURCHASE
    Main Residence Flat/House
    Second Home Flat/House - Max 75%
    Home for Dependent House/Flat - Max 75%
    Holiday Home House/Flat
    Right to Buy - Max 75% OMV

    TENURE
    Freehold Flat/House - Freehold Flats acceptable only in 
                          Scotland, House acceptable in England, 
                          Scotland & Wales
    Leasehold Flat/House
    Feuhold Flat/House
    
    CONSTRUCTION
    Conventional Flat/House
    Brick on Wood House/Flat
    Concrete Flat/House - Max 65%
    Timber Framed - Max 65%
    Wholly Timber - Max 65%
    Thatched House - Max 65%
    
    PROPERTY
    Garden Floor Flat (with/without lift)
    Ground floor Flat (with/Without lift)
    1-3 Floor Flat (with/without lift)
    4-6 Floor Flat - Max 4 floors
    Flat over shop, self contained to 60%
    
    NHBC required if property less than 10 years old

    OTHER
    Studio Flat/House - Flat acceptable if leasehold upto 85%
    1 bedroomed Flat/Bedroom -Flat acceptable if leasehold upto 85%
    2-6 bedroomed Flat/Bedroom -Flat acceptable if leasehold upto 
    85% 
    7 plus bedroom Flat/Bedroom -Flat acceptable if leasehold upto 
    85% 
    Ex Council - Acceptable upto 60% for Flats
    Houses with 2 kitchens
    Back to Back house - Individually assessed

LOCATION
    England, Scotland & Wales


  

   


~   Valuation                      
~   Purchase Price         Fee 
~

    70 upfront Rental Assessment fee is charged on all Buy to Let cases



  

   

     None charged


  

   

    Bridging Finance     ||: No
    Drawdown Facility    ||: Yes
    Equity Release       ||: Yes
    Top Ups              ||: Second Charge secured lending availble 
                         ||| 5K-50K
    Further Advances     ||: Max 75%
    Maximum Term         ||: 30 years
    Minimum Term         ||: 5 years
    Telegraphic Transfer ||: 23.50
    Secured Loans        ||: 1st Charge & 2 nd Charge available
    Negative Equity      ||: No 
    Reference Fee        ||: Variable dependent on Landlord/Council
    Questionnaire fee    ||: Variable dependent on lender
    Semi Commercial      ||: Max 60%
    Legal Fees Package   ||: 300 for non regulated advances/no 
                         ||| cost for regulated advances 
    Split Loans          ||: No

    I Group	Loans 
    Xpress 1-6 - 2.00% (No Min / Max 2,500)
    GEM 0 - 0.50% (No Min / Max 2,500)
    GEM 1 - 0.50% (No Min / Max 2,500)
    GEM 2 - 0.75% (No Min / Max 7,500)
    GEM 3 - 1.25% (No Min / Max 7,500)
    GEM 4-7 - 2.00% (No Min / Max 7,500)
 
    Proc Fee for I group customers refinancing i.e. remortgaging current
    property the fee is calculated on the difference between new and 
    exisitng loan