Employed |: P60 & 2 mths payslips or Employers reference & P60
    Self Emp |: 1 years accounts + 12 mths projection or an 
             || accountants statement. Must have a minimum of 6  
             || Months Self Employed History,For Self Cert Only.
             || of 6 months self Employed History 
    FTB      |: Yes as above
    RTB      |: Yes as above


  

   

    Acceptable Purposes
    Refinancing ( for  remortgage) - Max LTV 85%

    No Clearing of Bankruptcy
    No Business Start-up



  

   
    
    Personal ID           ||: Passport,Driving licence 
    UK Tax Payers         ||: Yes
    Arrears Outstanding   ||: Yes
    Arrears Settled       ||: Yes
    CCJ's Outstanding     ||: Yes
    CCJ's Satisfied       ||: Yes
    Ex-Patriates          ||: No
    Guarantors            ||: No
    Multiples Borrowers   ||: Max 4
    Foreign Nationals     ||: No
    Past Bankruptcy       ||: Yes
    Debt History          ||: Yes
    Diplomatic Immunity   ||: No
    Guaranteed Overtime   ||: Added to Income multiples
    Minimum Income        ||: No Housing benefit in the last 6 Mths
    Further Advances      ||: Will Consider Refer to Lender.

LIFE COVER REQUIREMENTS
    Endowment|: Must usually cover total advance
    Repayment|: Must usually cover total advance
    Int Only |: Must usually cover total advance
    Pension  |: Must usually cover total advance
    PEP      |: Must usually cover total advance


  

   

    PURCHASE
    Freehold House
    Leasehold Flat / House
    Feuhold Flat / House
    Main residence Flat / House
    
    RTB - Maximum LTV for the purchase or remortgage of EX-Council
          properties will be 80%. Local Authority Flats & 
          Maisonettes are considered on a cases by case bases.
    TENURE
    1 bedroom Flat / House
    2-6 Bedroom flat / house
    7 plus bedroom falt / house

    CONSTRUCTION
    Brick on wood flat / House
    Conventional flat / House
    Garden Floor Flat (with / without lift)
    1-4 floor flat (with / Without Lift)

    NHBC required if proprety less than 10 years old

    OTHER
    Second Home Flat / House
    Home for dependent flat / House
    Ex Council House
    Back to Back House
    Thatched Roof

LOCATION
    England, Scotland, Wales, Isle of Wight & Northern Ireland 


  

   

~   Valuation           Fee
~

   


  

   

|   (known by lender as High Loan to Value 

|   0%    - 75%   ||NIL
|   75.1% - 80%   || 5.00% / 1000
|   80.1% - 85%   || 5.50% / 1000
|   85.1% - 95%   || 6.00% / 1000

|   Min Premium - 50
|   Can be added within LTV ratio,Not above 90%.


  

   

    Bridging Finance         ||: No
    Drawdown Facility        ||: No
    Equity Release           ||: No
    Top Ups                  ||: No
    Further Advance          ||: Yes
    ERP Refund / Waiver      ||: No
    Legal Fees Package       ||: No
    Min Mortgage Term        ||: 5 years
    Max Mortgage Term        ||: 35 years
    Split Loans              ||: No
    Negative Equity          ||: No
    Secured Loans            ||: No
    Semi Commercial          ||: No
    Second Charges           ||: No
    Reference fee            ||: No
    Questionnaire Fee        ||: No
    Life tie                 ||: Refer
    Cross Selling            ||: No

    Preferred	
    All Products except Semi Exclusives & Extra Light - 1.25% (No Min 
    No Max)
    Extra Light - 0.75% (No Min No Max)
    Semi Exclusives - 0.50% (No Min No Max)


Special Criteria (RTB)
    Same as STANDARD & BUY TO LET products except as noted below

    Title insurance will be provided free of charge - Right to Buy 
    Only

Buy to Let
Where the gross monthly Rental is at least 130% of the proposed
Mortgage Payment evidence of "primary" income will not be 
required.

Also, maximum number of mortgaged properties increased to four.


Captital & Interest or Interest Only

Recommends that Applicants have life cover and payment protection
in place and that they have made suitable arrangements to repay the 
Capital sum.

Telegraphic Transfer Fees - 35

Non Block Insurance Fee   - 50