ADVISER THE ESSENTIAL GUIDE TO DEALING WITH PINK HOME LOANS

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1 PHL5956 ADVISER THE ESSENTIAL GUIDE TO DEALING WITH PINK HOME LOANS LATEST BROKER COMMISSIONS NOVEMBER 2012 How to submit business PROPERTY VALUE COSTS (includes basic valuation fee) HOMEBUYERS Packaged product range Complete and send an application form, together with any relevant valuation fee and any supplementary lender forms to BDS Mortgage Group Limited, C/O Pink Group, Shire House, Birmingham Road, Lichfield. Staffordshire, WS14 9BW. Direct to lender Complete your application, together with the relevant lender valuation fee and any supplementary lender forms directly to the lender. Lender contact details can be found under each lender on the broker commission tables. Ensure for either electronic or paper submissions that you identify it as a Pink application. You can do this by flagging Pink on the system, or clearly marking the application form Pink Group 0-150, , , , , , , ,001-1,000, ,115 The above scale includes a 95 non-refundable administration fee. An application received without this fee may result in a delay in processing. If the application is withdrawn prior to the valuation being carried out, the administration fee will not be refunded. Buy to Let: please add 50 for a rental assessment fee to the above scale. Payment can be made by credit/debit card using the Card Payment Facility or by cheque made payable to BDS Mortgage Group. 24 hour payment of broker commission* Broker commission paid directly into your bank account Exclusive mortgage products available Semi exclusive mortgage products available PINK PACKAGED LENDER PANEL PRODUCT *Terms and conditions apply - see for full details. GROSS FEE RECEIVED NET FEE PAID OUT Fee Min Max Fee Min Max GE Money home lending All Products 0.60% 0.40% SHAWBROOK BANK All Products 1.00% 0.50% PINK DIRECT LENDER PANEL Abbey FOR INTERMEDIARIES PINK HOME LOANS ARs Standard products online applications 0.38% 0.30% Flexible offset 0.40% 0.35% 5 years or more term products 0.50% 0.45% Buy-to-let 0.50% 0.45% DAs Standard products online applications 0.33% 0.28% Flexible offset 0.40% 0.35% 5 years or more term products 0.50% 0.45% Buy-to-let 0.50% 0.45% 1

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3 PRODUCT GROSS FEE RECEIVED NET FEE PAID OUT Fee Min Max Fee Min Max ACCORD MORTGAGES Tel: & Residential products 0.35% % 150 Buy to let products 0.50% % 150 Further advances 5,000 or more 0.30% % 30 ALDERMORE MORTGAGES Tel: All Products 0.45% 0.40% BM Solutions PO Box 136, Wolverhampton WV9 5HZ Tel: Mortgage Applications Pink Home Loans ARs Mainstream Mortgage Products 0.30% 0.25% Buy to Let 0.51% 200 5, % 150 4,500 Self Build 0.51% 200 5, % 150 4,500 Further Advances (Minimum 15,000 online lending) Mainstream 0.30% 0.25% Buy to Let 0.51% 100 5, % 75 4,500 Product Transfers Mainstream 0.30% 0.25% Buy to Let 0.51% 200 5, % 150 4,500 DAs Mainstream Mortgage Products 0.30% 0.25% Buy to Let 0.47% 200 5, % 150 4,500 Self Build 0.47% 200 5, % 150 4,500 Further Advances (Minimum 15,000 online lending) Mainstream 0.30% 0.25% Buy to Let 0.47% 100 5, % 75 4,500 Product Transfers Mainstream 0.30% 0.25% Buy to Let 0.47% 200 5, % 150 4,500 BuildStore Unit 1, Kingsthorne Park, Nettlehill Road, Houston Ind Est, Livingston EH54 5BB Tel: BM Solutions 0.25% 1, % 750 Chorley Building Society 0.40% 0.35% Melton Mowbray Building Society 0.35% 1, % 750 Newcastle Building Society 0.40% 0.35% CLYDESDALE BANK ( Pink Home Loans ARs only) Tel: All Products 0.30% 0.25% Coventry Intermediaries PO Box 139, Coventry CV1 5ZT Tel: Coventry BS Standard residential, FTB, Offset 0.35% 200 3, % 150 2,750 Godiva Mortgages Ltd Buy-to-Let 0.35% 200 3, % 150 2,750 DARLINGTON BUILDING SOCIETY ( Pink Home Loans ARs only) Sentinel House, Lingfield Way, Darlington. DL1 4PR Tel: All products 0.35% 0.30% No procuration fee is payable for cases taken out on Darlington s standard variable rate Furness Building Society Duke Street, Barrow in Furness, Cumbria LA14 1RT Tel: All rates 0.35% 100 1, % 75 1,500 3

4 PRODUCT Halifax GROSS FEE RECEIVED NET FEE PAID OUT Fee Min Max Fee Min Max See for local BDM contact details Pink Home Loan ARs Mortgage Products 0.39% 0.32% Product Transfers & Further Advances up to 75% 0.39% 2, % 2,250 Product Transfers & Further Advances above 75% & up to 85% 0.20% 2, % 2,250 Product Transfers & Further Advances above 85% 0.10% 2, % 2,250 DAs Mortgage products 0.31% 0.26% Product Transfers & Further Advances up to 75% 0.31% 2, % 2,250 Product Transfers & Further Advances above 75% & up to 85% 0.20% 2, % 2,250 Product Transfers & Further Advances above 85% 0.10% 2, % 2,250 Special Products - from time to time Halifax issue products which have a different procuration fee from standard products HANLEY ECONOMIC BUILDING SOCIETY (Pink Home Loans ARs only) Granville House, Festival Park, Hanley, Stoke-on-Trent ST1 5TB Tel: Standard products 0.30% 125 2, % 100 2,000 Selected product - refer to product specs 0.35% 125 2, % 100 2,000 HINCKLEY & RUGBY BUILDING SOCIETY (Pink Home Loans ARs only) 81 Upper Bond Street, Hinckley, Leicestershire LE10 1DG Tel: Standard Intermediary Products 0.30% % Kensington PO Box 2500, Reading RG1 9AG Tel: All products 0.50% 0.40% KenT RELIANCE ( Pink Home Loans ARs only) Contact Pink Home Loans Customer Services Team on Tel: Residential 0.35% 0.25% Buy to Let 0.50% 0.40% Leeds Building Society 105 Albion Street, Leeds LS1 5AS Tel: Standard product range 0.37% 0.27% LLOYDS TSB INTERNATIONAL (Pink Home Loans ARs only) International Mortgage Department, 1st Floor, 48 Chiswell Street, London EC1Y 4XX Buy to Let 0.50% 0.45% Regulated Residential Products 0.35% 0.30% MANCHESTER BUILDING SOCIETY (Pink Home Loans ARs only) 125 Portland Street, Manchester M1 4QD Tel: Standard residential products 0.30% 150 2, % 125 1,600 Standard BTL products and Restart Plus 0.50% 150 2, % 125 1,600 MaRKET HARBOROUGH BUILDING SOCIETY (Pink Home Loans ARs only) Tel: Exclusive Residential Products 0.35% 1, % 1,500 Mortgage Trust ( Pink Home Loans ARs only) St Catherine s Court, Herbert Road, Solihull, West Midlands B91 3QE Tel: All products 0.55% % 250 Nationwide for Intermediaries See for details of your local BDM All Standard products (AR) 0.35% % All Standard products (DA) 0.35% 0.30% NATWEST INTERMEDIARY SOLUTIONS Tel: All residential products (ARs) 0.35% 250 6, % 200 5,500 All residential products (DAs) 0.32% 250 6, % 200 5,500 BTL Products (ARs & DAs) 0.35% 250 6, % 200 5,500 NEWCASTLE building society Portland House, New Bridge Street, Newcastle-upon-Tyne NE1 8AL Tel: All Products 0.35% 0.30% 4

5 No upfront remortgage fees. Just make sure you don t miss the deadline Submit your client s case before 23rd November 2012 and they ll pay no upfront fees on selected remortgage products We d like to help you save your clients money. That s why, for a limited period, we ve not only reduced the interest rates on our remortgages, we ve also waived the upfront fees on selected products. With our new remortgage range, clients pay no product fee or Mortgage Account Fee (MAF), will receive free legal fees and a free basic valuation on selected products. We ve also reduced our core remortgage rates to match our home mover rates on cases placed between 18th October and 23rd November Now s the time to make things easier for your clients. Remortgage with Halifax Intermediaries. These products are only available for mortgages on properties in the UK (excluding the Isle of Man). We will pay our own legal fees and won t charge your clients for the property assessment. If your client seeks additional legal advice as part of their remortgage, they must arrange to pay for these services themself. Visit our website or talk to your local BDM. halifax-intermediaries.co.uk/remo 5 THIS COMMUNICATION IS DIRECTED AT MORTGAGE INTERMEDIARIES ONLY. IT IS NOT INTENDED FOR MEMBERS OF THE PUBLIC. FOR THE USE OF MORTGAGE INTERMEDIARIES AND OTHER PROFESSIONALS ONLY. PEOPLE WHO DO NOT HAVE MORTGAGE EXPERIENCE SHOULD NOT RELY ON THISyou COMMUNICATION If you do not have professional experience, should not rely on the information contained in this communication. If you are a professional and you reproduce any part of the information contained in this communication, to be withat orthe to advise retail clients, you must ensure it conforms the Financial advising and sellingand rules. All information is checked for accuracy and isused current time of going to print 01/11/2012. However,toplease checkservices the PinkAuthority s website to confirm details availability Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC Registered Office: The Mound, Edinburgh EH1 1YZ.

6 PRODUCT GROSS FEE RECEIVED NET FEE PAID OUT Fee Min Max Fee Min Max PARAGON MORTGAGES ( Pink Home Loans ARs only) TBMC, Greenmeadow House, 2 Village Way, Greenmeadow Springs Business Park, Cardiff. CF15 7NE Tel: Standard Product Range 0.55% % 250 PINK EXCLUSIVES FUNDED BY VARIOUS MUTUALS See for details All Products 0.40% 0.30% Platform Exchange Tower, 2 Harbour Exchange Square, London E14 9FR Tel: Mainstream (ARs) 0.40% 4, % 3,500 Buy to Let (ARs) 0.55% 2, % 2,250 Buy to Let (DAs) 0.53% 2, % 2,250 Almost Prime (ARs) 0.60% 1, % 1,250 PRECISE MORTGAGES Tel: Buy to Let 0.60% 0.50% Home Owner Near Prime 0.60% 0.50% Home Owner Prime 0.35% 0.30% PRINCIPALITY BUILDING SOCIETY ( Pink Home Loans ARs only) PO Box 89, Mortgage Service Centre, Principality Buildings, Queen Street, Cardiff, CF10 1UA Tel: Standard Products 0.40% 2, % 2,000 Scottish Widows Bank PO Box 12757, 67 Morrison Street, Edinburgh EH3 8YJ Tel: Standard Loans 0.40% 3, % 2,500 Further Advances Loans of 10,000 and more Skipton Building Society Principle Office, The Bailey, Skipton, North Yorkshire. BD23 1DN Tel: Standard Residential Range 0.35% 3, % 3,000 Buy to Let 0.35% 0.30% The Mortgage Works Portman House, Richmond Hill, Bournemouth BH2 6EP Tel: Residential Guarantor (ARs) 0.35% % Residential Guarantor (DAs) 0.35% 0.30% Buy to Let (ARs) 0.55% 0.45% Buy to Let (DAs) 0.50% 0.45% THE WEST BROM Tel: Residential products 0.35% 0.30% VIRGIN MONEY Tel: Residential products 0.35% 0.30% Buy to Let products 0.35% 0.30% Ported products Woolwich See for address and telephone number details ARs Residential (excluding Offset) for lending of below 500, % 0.30% Residential (excluding Offset) for lending of 500,000 or above * 0.40% 0.33% Residential Offset for lending of below 500, % 0.30% Residential Offset for lending of 500,000 or above * 0.40% 0.33% Buy to Let 0.40% 0.30% Further Advances NIL NIL DAs Residential (excluding Offset) 0.35% 0.30% Residential Offset 0.35% 0.30% Buy to Let 0.35% 0.30% Further Advances NIL NIL ARs & DAs Retention products 0.20% 0.15% 6

7 Of 28 fer fe ex br t ua en ry d 20 ed 13 30% extra Life Cover free for three years Cover Booster Juice up your clients Life Cover with 30% extra free when they buy Life Cover and Serious Illness Cover. Another reason to talk to your clients about our award winning Life Cover and Serious Illness Cover. Some things you need to know Life Cover minimum term 15 years Minimum 20,000 Serious Illness Cover Clients must be under age 55 with no significant risk loadings Cover Booster amount capped at 150,000 To find out more and for full terms and conditions visit pruprotect.co.uk/booster or call

8 LIFE PANEL COMMISSION ( Pink Home Loans ARs only) PRODUCT NET COMMISSION PAYABLE* AVIVA 4 year Indemnity 185% 4 year Non-Indemnity 210% Income Protection Products Indemnity 120% BRIGHT GREY 4 year Indemnity 185% 4 year Non-Indemnity 225% Income Protection Products Indemnity 161% LV 4 year Indemnity 185% 4 year Non-Indemnity 210% Income Protection Products Indemnity 161% PRUPROTECT 4 year Indemnity 185% 4 year Non-Indemnity 210%** Income Protection Products Indemnity 185% ZURICH 4 year Indemnity 185% 4 year Non-Indemnity 210% Income Protection Products Indemnity n/a * Please note the above commissions are subject to the usual compliance charge. The rates assume standard policy terms in excess of 12 years, commission terms will vary for polices below 12 years in length. In order to obtain the above commissions applications must be submitted electronically. The above rates can vary between polices due to such things as commission sacrifice however on all polices an average margin will be applied. ** Rate applicable for all new applications submitted on or after 1st July Where provider tele-underwriting facilities are used, a reduction in commission will apply, please refer to the relevant provider for further details. For policy terms where the applicant/s exceeds the age of 75, specific commission calculations apply refer to each provider for full details Why wait for your proc fees? We know that, in current market conditions, it s much harder to place business so why also wait to receive your proc fees? 24 hours Pink Home Loans will pay out proc fees within 24 hours of legal completion* and it s all online! You can submit your payment claim quickly and easily online and monitor the progress of your commission payments via the Pink website. This facility allows you to have the luxury of being in control of your cashflow, at any time of the day. For further information, log on to: or or call our Customer Services Team on *Access to this service is restricted depending on your relationship with Pink. Pink Home Loans will pay commission within 24 hours of confirmed completion, after receiving a fully completed online Payment Request Form subject to the following: 1) Pink Home Loans will clawback funds already paid in the event of overpayment or if funds have been paid out incorrectly. 2) Any form received after 12 noon will be processed on the next working day. 8

9 2.89% Mainstream rate with 0 product fee As a registered broker of Pink Home Loans you now have access to Precise Mortgages range of semi exclusive Mainstream purchase and remortgage products... 2 Year Fixed products starting from 2.89%, available with 0 product fee LTV s up to 80% Remortgage products, with a refund of valuation fee and up to 1000 cashback Reversion rates lower than many high street banks Exclusively available for selected postcodes in the South of England Limited period only As we are 100% dedicated to the intermediary market, when you place a case with Precise Mortgages, you can be confident that you will receive an unrivalled level of service that includes: A decision online within 8 minutes from Precise Mortgages Our online decision system leaves just a Soft Footprint on your clients credit score A dedicated expert Intermediary Support Team and direct access to Underwriters Market leading procuration fees View our full product range at or call our Intermediary Support Team on to discuss your cases. Out of hours? Call Roger or Claire anytime! Roger Morris Director of Sales Claire Rankin National Account Manager FOR INTERMEDIARY USE ONLY Rates are correct at the time of print

10 GENERAL INSURANCE PANEL ( Pink Home Loans ARs only) PRODUCT INITIAL RENEWAL ABBEY FOR INTERMEDIARIES Tel Santander Additions Bedroom Plus 20% 15% Landlords insurance 15% 15% New Build 20% 10% Up front commission will be paid as a % of the annual premium (excluding IPT) Renewal commission will be paid as a % of the annualised renewal premium (excluding IPT) paid monthly, every year the policy is renewed. HALIFAX INTERMEDIARIES Tel Home Insurance 25% 25% Buy to Let 25% 25% Commission payments are made on an indemnity basis, commission will then be released annually on an indemnity basis from year 2 (month 13) and annually thereafter whilst the policy remains on risk. LEGAL & GENERAL Tel Household 25% 25% Lifestyle cover 25% 25% PAYMENTSHIELD Tel: Income Protector 25% 22.5% MPPI 27.5% 25% Home Insurance 27.5% 25% Landlords Buildings & Contents 27.5% 25% PRODUCT INITIAL RENEWAL TOWERGATE HOME & PROTECT Tel Household standard and non-standard 25% 25% Household select 22% 22% Thatched Properties 10% 10% Underpinned Properties 10% 10% Holiday & Retirement homes UK/overseas 25% 25% Landlords/Let Properties 25% 25% Mortgage payment 25% 25% Protection Standard Mortgage Payment Protection Extra 25% 25% Income Payment Protection 25% 25% 10

11 CONTACT US The Sales Team Pink s Regional Sales Team are committed to helping your business. They are always on hand to help, whatever your query. See below for your local BDM contact details: 1. NORTH Postcodes: AB, DD, DG, EH, FK, G, IV, KA, KW, KY, ML, PA, PH, TD. Customer Services Team Tel: NORTH WEST Postcodes: BB, BD, BL, BT, CA, CH, CW, DL, DN, FY, HD, HG, HX, L, LA, LL, LS, M, OL, PR, SK, WA, WN, WF. Trevor Tait - Regional Sales Director Mobile: WEST MIDLANDS Postcodes: B, DY, DE, HR, LD, S, ST, SY, TF, WS, WV, WR. Brian Sanford - Regional Sales Director Mobile: EAST MIDLANDS Postcodes: CB, CO, CV, DH, HU, IP, LE, LN, MK, NE, NG, NN, NR, OX, PE, SR, TS, YO. Judith Brandrick - Regional Sales Director Mobile: SOUTH AND SOUTH WEST Postcodes: BA, BH, BN, BS, CF, DT, EX, GL, NP, PL, PO, RH, SA, SN, SO, SP, TA, TQ, TR. Claire Madge - Regional Sales Director Mobile: LONDON AND SOUTH EAST Postcodes: AL, BR, CM, CR, CT, DA, E, EC, EN, GU, HA, HP, IG, KT, LU, ME, N, NW, RG, RM, SE, SG, SL, SM, SS, SW, TN, TW, UB, W, WC, WD. Chris Fyfe - Regional Sales Director Mobile: Jeff Woods, Business Development Director Tel: Executives Mark Graves Director - Pink Network David Copland Director of Mortgage Services, LSL Financial Services Division Lisa Hurley Finance Director, LSL Financial Services Division Kay Leslie Compliance Director, LSL Financial Services Division Head office Department Telephone Fax Customer Services Compliance applications and authorisation Compliance financial promotions Compliance Policy & service queries Insurance Marketing Finance Telephone hours Monday to Friday 9.00am to 5.00pm Wednesday 10.00am to 5.00pm 11

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