Employed |: P60, payslips OR employers reference
    Self Emp |: Accountants statement & latest nett profit figure
    FTB      |: As above Only lend up to 80% on a Self Cert basis

    Self Cert Cases up to 85% LTV
    
    Employed |: Telephone check to employer on status of employment
             || Checking permanent employment for 3 months and
             || application form must show continuous employment
             || for 12 Months

    Self Emp |: Random checks will will be carried out on Self Cert 
             || cases and discretionary checks as necessary.  Any 
             || Self-Employed applicants trading for more than 6 months
             || but less than a year, will now be considered up to a 
             || maximum of 75% LTV.  All LTVs are available with a minimum
             || 12 months trading period.

    Self Certification available upto 600K for Self Employed
    Self Certification avaialble upto 350K Employed

    
    Information Required

    Valuation Report
    Credit Search
    Proof of ID  (Clients solicitor to confirm)
    If not on Voters Role proof of residency required

    No lenders statement required up to 80% LTV except when the 
    Client is currently with a none conforming lender


  

   

    Acceptable Purposes 
    Home Improvements 
    Marital Settlement (Capital Raising)
    Re-Finance (Capital Raising)
    Dependents Home
    Self Build Home
    Education Fees (Capital Raising)
    Holiday (Capital Raising)
    Holiday Home
    Property to Let
    Purchase car, boat, caravan etc (Capital Raising)
    Second Home
    Medical Expenses (Capital Raising)



  

   

    UK Tax Payers         ||: Yes
    Arrears Outstanding   ||: Yes - Differs depending on each plan
    Arrears Settled       ||: Yes - Differs depending on each plan
    CCJ's Outstanding     ||: Yes - Differs depending on each plan
    CCJ's Settled         ||: Yes-  Differs depending on each plan
    Bankruptcy            ||: Past - Yes
    Ex Patriates          ||: Yes
    Guarantors            ||: No
    Debt History          ||: No
    Diplomatic Immunity   ||: No
    Min Employment period ||: 3 mths in current job, 12 mths 
                          ||: overall (employed)
    Min trading period    ||: 12 mths (self emp)

RIGHT TO RESIDE
    
    Foreign nationals who have a permanent 'Right To Reside' and can
    produce one of the following items of documentary evidence:
    ||: A signed current passport which states 'indefinate leave to
        remain' or an acceptable equivalant stamp.
    ||: A signed expired passport with 'indefinate leave to remain' or
        acceptable equivalent stamp, accompanied by a signed current 
        passport.

LIFE COVER REQUIREMENTS

    Most major Life Companies acceptable


  

   

    PURCHASE
    Main residence
    Council RTB - 100% DPP, OMV follows standard criteria

    TENURE
    Studio flat/house
    Leasehold House / Flat
    Feuhold House / Flat

    CONSTRUCTION
    Coventional
    Thatched roof

    PROPERTY
    Ground floor flat (with / without)
    1-3 floor flat (with / without lift)
    4-6 floor flat (with / without lift) (max 5 floors)
    Flat over 7th floor considered (with / without a lift)    
    Flat over shop (self contained) considered

    OTHER
    Converted Flat
    Ex Council House 
    Back to back
    Less than 10 yrs old no NHBC only if other professional 
    qualification
    Self Build

LOCATION
    England, Wales, Scotland & Northern Ireland


  

   

    Valuation                      
    Purchase Price         Fee 


    Re-inspection fee - 61.10



  

   

     MIG will be charged at 5.95% over 75%



  

   

    Bridging Finance    ||: No
    Drawdown Facility   ||: Only on Flexible Product
    Equity Release      ||: No
    Self Build          ||: Yes - Refer to Lender for further details
    Top Ups             ||: No
    Further Advances    ||: Yes
    Split Loans         ||: Any mix
    Negative equity     ||: No
    Minimum Term        ||: 5 years
    Maximum Term        ||: 40 years
    Reference Fee       ||: 62 + VAT
    Questionnaire fee   ||: 62 + VAT
    Telegraphic Transfer||: 40

    Mortgages PLC	
    Standard - 1.00% (Min 500 / Max 7,500)
    Right To Buy - 1.00% (Min 500 / Max 7,500)
    Near Prime - 0.50% (Min 250 / No Max)
    Fee paid on Completion. Right to Buy and Buy To Let excluded.
    Minimum loan 50,000. No Resubmissions

    Completion,Higher loan,telegraphic transfer,title insurance and 
    building insurance fees can be added to the loan irrespective of the
    LTV,except on 90% products,when the total advance may not exceed 90%
    LTV.