Employed         |: Employer reference or
                     || P60 and 2 wage slips in last 6 mths 
    Self Emp         |: Accountants certificate of income 
                     || or self assessment form to Inland Revenue - This
                     || should be the form that is returned FROM the
                     || Inland Revenue
                     || Sole Traders without an Accountant
    All              |: Credit Search
                     || Lenders Reference (Statements in lieu will 
                     || be acceptable)
                     || Valuation Report  
                     || Proof of Identity

    Proof of Identity will need to be provided by all applicants 
    prior to completion by providing 2 pieces of documentation, 1 
    from each list below. The document from list A must show name 
    & signature. The document form list B must show name & address 
    Applicants who are not on the voters role only need to provide
    proof of residence for the last 2 years addresses

    List A                              List B
    Bankers Card                        Utility Bill
    Credit/Debit Card                   Bank Statement
    Full Passport                       Building Society Passbook
    Full Drivers Licence                Credit Statement
    Armed Forces ID card                Council Tax Bill
    National Insurance card             Child Benefit Book


  

   
     (for any legal purpose) including gambling and tax debts
     
    Acceptable Purposes 
    Home Improvements 
    Marital Settlement
    Re-Finance 
    Dependents Home
    Education Fees 
    Holiday 
    Holiday Home
    Investment
    Property to Let - Not DSS
    Purchase car, boat, caravan etc 
    Second Home
    Medical Expenses 
    Debt Consolidation
    RTB - Available in the 1st year of pre-emption


  

   

    UK Tax Payers         ||: Compulsory
    Settled Arrears       ||: Upto 90% LTV
    Outstanding Arrears   ||: Upto 90% LTV
    Satisfied CCJ's       ||: Upto 90% LTV
    Outstanding CCJ's     ||: Upto 90% LTV
    Past Bankruptcy       ||: Upto 90% LTV
    Ex-Patriates          ||: Refer to lender
    Multiple Applications ||: Yes
    Loan Guarantors       ||: Refer to lender
    Diplomatic Immunity   ||: No

LIFE COVER REQUIREMENTS
    Recommended but not required
    Buildings insurance is required


  

   
     
    PURCHASE
    Main Residence

    TENURE
    Freehold House
    Leasehold House / Flat, with at least 35 yrs remaining on the lease
    after the term of mortgage. Commonhold is acceptable.
    Feuhold House / Flat

    Leasehold properties must have a minimum unexpired lease of 35 
    years remaining at the end of the mortgage term

    CONSTRUCTION
    Conventional Construction
    Brick on Wood (House)
    Timber Framed (House)

    PROPERTY
    Flat upto 5th floor 

    OTHER
    Converted Flat
   
   Lending is available on Wimpey No Fines and Laing Easiform houses
   (not flats) upto 80% LTV. 

LOCATION
    England, Wales & Scotland (mainland)


  

   
|     Refer

      The valuation fee less 100 is refunded if the application does 
      not proceed and a valuation has not been instructed. If a valuation 
      has been instructed but the application does not proceed, there is 
      no refund.


  

   

|    Not Applicable


  

   

    Bridging Finance           ||: No
    Drawdown Facility          ||: No
    Equity Release             ||: No
    Self Build                 ||: No
    Shared Ownership           ||: No
    Top Ups                    ||: No
    Further Advances           ||: Yes
    Split Loans                ||: No
    Negative Equity            ||: No
    Redemption Refund / Waiver ||: Refer to lender
    Legal Fees Package         ||: See Solicitors Section
    Secured Loans              ||: No
    Semi Commercial Loans      ||: No
    Commercial Loans           ||: No
    Second Charges             ||: No
    Minimum Term               ||: 5 years
    Maximum Term               ||: 30 years
    Lenders Reference Fee      ||: 58.75
    Lenders Questionnaire Fee  ||: 80.00
    Telegraphic Transfer       ||: 35.00

    MOVING HOME REDEMPTION CHARGE REFUND
    If the mortgage is repaid in full, including any early 
    repayments charge payable, in the second or third year 
    following its completion then kensington Mortgageswill repay 
    the early repayment charge provided that at the same time as 
    the repayment of the mortgage we make to the borrower(s) a new 
    mortgage over a new property of an amount equal or greater to the 
    mortgage repaid. If the amount of the new mortgage is less than 
    the amount of the mortgage repaid then we will refund the early 
    repayment charge in the same proportion as the new mortgage is 
    to the repaid mortgage 
    REFER TO LENDER FOR FURTHER DETAILS

    ABOUT THE RATES 
    Rate is linked to 90 day LIBOR plus loading, refer 
    for further details and rates. Rates reset on 1st 
    March/June/September/December.