Award winning. One of the UK s leading mortgage brokers. MAB is the UK s largest independent high street mortgage broker

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1 Award winning One of the UK s leading mortgage brokers MAB is the UK s largest independent high street mortgage broker We operate out of over 700 offices across the UK We pride ourselves on the quality of service and advice we offer our clients In 2010 and 2011 Mortgage Advice Bureau won the mortgage industry s leading awards, as well as being voted Best national adviser by the public Your home may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances and loan amount. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

2 Mortgage meeting In two stages Over 80 lenders to choose from... First stage The objective of this first stage is to discover what you would like and what is important to you We discuss your mortgage requirements, covering areas such as affordability now and in the future We will also discuss how you can protect your property and lifestyle for many years to come We can also recommend the right protection... Second stage The second stage is all about making recommendations that are right for you We will make a mortgage recommendation to you from the 1,000s available to us Protection. We make it personal At the same time we will explain the details of your mortgage in full and the reasons for the mortgage recommendation Your home may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances and loan amount. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed. We will then discuss the consequences of any shortfall in protection, discuss the benefits of writing protection policies in trust and updating Will arrangements

3 Part of the service And we offer all this to help you... E-newsletters Website Folders for your paperwork Before completion Help you find other important services such as a solicitor Submit your mortgage application and other product applications for you Liaise with lenders, product providers, valuers, estate agents and solicitors on your behalf Once issued, check and help you understand the terms and conditions of the mortgage offer After completion We will continue to help you for as long as you have a mortgage and beyond We will communicate with you regularly. Our interactive newsletters and website provide information and tools to help you manage your financial affairs We will also offer regular reviews to ensure that you remain on course to meet your aspirations When your mortgage scheme is due to expire, we will contact you once again to help you find the right deal

4 About MAB Our mortgage service is paid for in 1 of 2 ways A fee of 1.5% of the mortgage amount Lender commission refunded to you A fee of 1.0% of the mortgage amount Lender commission retained by MAB Mortgage Advice Bureau are independent mortgage brokers

5 Free Will service Ensure your loved ones benefit with our free service Are you aware that without a Will in place... Those you wish to benefit, including your spouse, may not automatically do so Your inheritance may go to the state Disputes may occur Delays may occur causing financial hardship Your children may not benefit if your spouse remarries and has further children and a subsequent Will is written Your business may not be passed to your loved ones Stay better informed We can arrange for you to be a member of Lifetime Legal, from now until the day you move into your new home, giving you free unlimited legal advice on a whole range of issues. Working with Many people understand that a Will is important but few actually make one. On completion you will be able to continue with the legal service for a small annual fee.

6 Cost Planner House purchase Mortgage required Fees prior to completion Fees payable on completion Selling price Less existing mortgage and other secured debts Less total moving costs Equity available Purchase price Less deposit Reservation fee (New build home only) Mortgage valuation fee Homebuyers survey Mortgage arrangement fees Solicitor disbursements Broker fee Legal fees (buying) Legal fees (selling) Stamp duty Early repayment charge Higher lending charge Removal costs Estate agent fees Broker fee Total Total Total Your home may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances and loan amount. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

7 Cost Planner Remortgage Mortgage required Fees prior to completion Fees payable on completion Existing mortgage Early repayment charge Other secured loans Additional borrowing Plus fees to be added Desired mortgage required Estimated property valuation Loan to value Legal fees Solicitor disbursements Mortgage valuation fee Mortgage arrangement fees Broker fee Legal fees Higher lending charge Broker fee Early repayment charge Total Total Total You may have to pay an early repayment charge to your existing lender if you remortgage. Your home may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances and loan amount. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

8 Buyer s Protection Up to 600 should your purchase fall through Cover towards valuation and legal fees Cover for 3 months from application Covers: Gazumping Vendor withdrawal Adverse survey Down valuation Change in your employment circumstances Family bereavement Buyer s Protection is provided by Legal & General Insurance Limited.

9 Repayments Interest rate types % age rate Average SVR and BoE Base Rate Nov Jan Average SVR BoE Base Rate Fixed rate or variable? Fixed rate Peace of mind, no changes to your mortgage payment for a fixed period May be cheaper or more expensive than a variable rate Variable rate Changes are determined by the Bank of England or by your lender The rate could change at any time

10 Repayments Capital and interest or interest only? Capital and interest? Capital and Interest Outstanding capital Paid off at a specific point Interest }Monthly Repayment It may be possible to extend the term to reduce payments Or overpay to reduce the term Interest only } Interest Monthly Repayment Interest only The capital doesn t reduce unless you overpay You must be able to pay off this mortgage at the end of the term or you may have to sell your property

11 Protecting your home, family & income What if... Death Disability Building & Contents Unemployment Gamble or protect? Sickness Critical Illness For insurance business we offer products from a choice of insurers.

12 Protection We can provide protection for your... 4 in 5 families are quite happy to insure their home* Family Home Income But only 1 in 3 have life insurance* 1 in 5 protect their mortgage* 1 in 20 protect their income* What s more valuable to you? Your income is worth 2 million on average in your lifetime Could you and your family cope if this was lost through long term sickness or on death? *Source ABI- UK insurance Key Facts September 2010

13 Protection Did you know new people became unemployed for more than 12 months every day during 2010* The average cost of raising a child from birth to the age of 21 is per week* Bereavement allowance: Paid for 52 weeks, NI contribution based up to 97.65/wk** Incapacity benefit; NI contribution based Short term /wk** Long term /wk** Around 125 women are diagnosed with breast cancer every day in the UK.*** Source: *www.creditaction.org.uk March 2011 **www.direct.gov.uk March 2011 ***www.legalandgeneral.com August 2011

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