Product Matrix If you have any questions, please call us for free on:

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1 Product Matrix please call us for free f on:

2 Product Matrix please call us for free f on:

3 Our USPs Quotes are free and won t affect your client s credit rating The system gives real-time secured loan offers that the client will genuinely qualify for The system creates an audit trail for your compliance needs Dedicated department for our introducers You will receive 50% of the broker fee as commission for secured loan payouts There are no deductions for costs from your commission we take that from our commission cut You know exactly how much you re going to earn before going ahead with the application for a secured product There are no up-front fees No cross-selling Comparable evidence and income is obtained at the outset of the application Offer full support to our introducers our BDMs offer training when required Provide you with access to our free marketing toolkit Exclusive relationships with many of our lenders and partners Vast panel of lenders Offer semi-commercial, commercial and bridging products Service is key; 99% of our customers would recommend us to their friends and family Operated successfully in the market for over 26 years You choose the level of control (either refer the case for us to deal with on your behalf or if you prefer full control, the system allows you to become your own loan broker allowing you to issue secured loan documents straight off the system and tracking the progress via case tracker)

4 Our Process Application Process Become your own loan broker with access to our Get instant offers on your secured loans underwriting tool. Instantly find the best secured loan enquiries offers available to your client and issue documents at The Loans Engine is a secured loans underwriting the click of a button. Or if you prefer a more hands-off system that will instantly enable you to generate approach, secured simply loan offers refer for your your client clients, and without we can affecting deal with everything their credit for profile. you, leaving you time to concentrate on your The main pre-application area of offers business. are accurate Whichever and perfectly tailored process to your you client s personal circumstances and credit history. So whether your client has prefer, historic your credit problems, commission self-employed, remains or simply the same wants to hold 50% on of to their current mortgage deal, save time and increase your revenue by the sourcing broker bespoke fee for loan secured offers for your loan clients payouts, through The with Loans no Engine. deductions for costs. If you have If you any have questions, any questions, please call please us for call free us on: for free on:

5 Our Commission More and more brokers are starting to recognise the income opportunities that exist for them within the secured loan market, especially when it comes to their remortgage declines. As an introducer for The Loans Engine, you will earn 50% of the broker fee, with no deductions for costs- they come out of our half. Our introducers receive an average of 1,519* for each secured loan paid. So even if you were to put through just one case per month, you could earn over 18,000 a year on top of your existing income. For an unsecured personal loan, The Loans Engine does not always charge a broker fee, so you will instead earn 50% of the commission that we receive from the product provider, an attractive fifty-fifty split with no deductions, an average of 201** for each loan paid. We like to keep things clear and simple. This is why there are no net, gross or packaging costs to consider. What s more, we can deal with everything for you on your behalf, leaving you time to concentrate on your main area of business while still earning extra income. Commission example: Loan Amount: 25,000 Monthly payment: Term: 10 years Rate: 11.0% Broker fee: 2,500 Introducer income: 1,250 When running a secured loan application through the system, the broker fee is displayed against each loan offer so you can immediately see your earning potential before you decide to proceed. Handy things to know * 1,519 is the average commission we paid to our introducers for a secured loan between October and December 2014 ** 201 is the average commission we paid to our introducers for an unsecured loan between October and December 2014 The broker fee generated will be a maximum of 15% of the net loan amount In most circumstances commission is paid to our introducers the Wednesday in the week after the loan completes

6 How We Support You Our business is your business; we value our relationships and achieve outstanding levels of customer satisfaction. We know loans may not be your main source of business, which is why we will provide you with a selection of resources to help you make the most out of loans. Dedicated intermediary department You ll be pleased to know The Loans Engine is much more than a machine. Our loans are tailored and our service is personal. Where an application does not fit, your case manager will work closely with our lenders to approve any non-standard cases. We are proud of our case managers who tenaciously work challenging cases through to completion. Training and workshops Our team of Business Development Managers work closely alongside you to develop, expand and generate new business opportunities. Full training of the system and products will be given when you require it. We also host secured loan workshops aimed at helping our introducers understand more about the sector, current market trends and future opportunities. Free marketing resources We will provide you with a free toolkit, containing a set of compliance approved marketing resources to help you increase your volume of secured loans business. Simply download from the website, add your logo and start selling. Investing in technology Our success is underpinned by our access to the best products and our investment in technology backed by exceptional flexibility. We are constantly developing our technology and systems in order to provide you with the tools you need to offer loans transparently and compliantly. Our service We are here to answer any questions and deal with any problems honestly, quickly and fairly. Rest assured you re in good hands. We ve arranged finance for more than 106,658 borrowers in 26 years and 99% of our customers said they would recommend us to their friends and family members.

7 Why a Secured Loan? Since the financial crisis began most banks have imposed stricter lending criteria, severely narrowing down the options available to you and to your client. But did you know you can still help your client raise capital through a secured loan? Customer is self-employed, without accounts Banks have introduced tougher affordability checks, demanding up to three years of accounts as proof of income. However, some secured loan lenders will accept a tax return or an accountant s reference as proof of income and with interest rates for the self-employed starting from 4.85%, a secured loan can often be the client s better option. Customer has adverse credit problems Secured loans are much more flexible when it comes to considering eligibility and cater for a wider range of clients, even those who may have had difficulties obtaining credit in the past. If your customer has missed payments, has historic CCJs or defaults, a secured loan could still help. Customer wants to hold on to current mortgage deal If your client is on a particularly low rate, then a re-mortgage may mean sacrificing this. Taking out a secured loan will preserve their current deal and combine it with a separate loan, where the monthly repayments could be more favourable than a complete re-mortgage. Customer has little equity As property prices remain stagnant, homeowners looking to refinance are being hindered by the lack of LTV lending options available to them. LTVs above 90% are either not available or extremely difficult to obtain on the high street. Secured loans go up to 95% LTV, so if your client is falling short on equity, a secured loan could be the answer. Source an alternative Even if your client has experienced credit problems in the past, is selfemployed or simply wants to hang on to their current mortgage deal, a secured loan though The Loans Engine could be the ideal solution. Rates from 4.85% Up to 95% LTV available for both employed and self-employed Repayment terms from 1-30 years Larger loans available up to 2,500,000 Semi-commercial, commercial & BTL products available Fixed rates available Loans for any legal purpose

8 Case Studies Does This Sound Like a Case on Your Desk? Avoid sacrificing your client s mortgage deal! Client s initial circumstances We had a customer looking to raise 200,000 for home improvements. He had an interest-only mortgage secured against his 2.45m property and his monthly repayments were very comfortable. The customer had explored the remortgage route but it meant losing the interest-only facility, adding unnecessary costs. Our solution We proceeded with the application and in 18 days, not only were we able to raise the 200,000 at a rate of 8.5% APR variable, the customer was able to leave his existing mortgage deal in place. A secured loan was the cheaper option Client s initial circumstances We received a call from a customer who wanted 9,000 for home improvements. He had previously approached his mortgage lender for a further advance and the lender was happy to agree, as long as the customer re-financed his entire mortgage deal. The customer was currently paying 204 a month on a mortgage of just over 160k, yet the new payment would have been over 465 per month. The customer decided that the new mortgage payments were too high. Our solution We arranged a secured loan for the full amount at a monthly cost of just , made payable over 5 years. Taking out the secured loan preserved the current mortgage deal and combined it with a separate loan, where the monthly payments were 100 a month less compared to a full remortgage. Could you reduce your client s monthly outgoings? Client s initial circumstances We had an application from a couple who were looking for a better way to manage their finances and needed 60,000 for consolidation. They had struggled to secure finance on the high street due to their growing credit card and unsecured loan debts, which they were paying 2,093 a month to maintain. Our solution Before processing we undertook an assessment of their finances and outstanding balances. Once we were happy the loan would fit their current circumstances, we went ahead with the application and as result, the couple were approved for a loan of 60,000 at 9.9% APR variable, structured over ten years. Not only was the couple able to repay their existing unsecured debt, the monthly payment on the loan was just 839; a whopping 1,250 a month less than their existing payments. They are now able to manage their monthly outgoings, which in time will repair their credit rating, giving them the potential to re-mortgage later down the line.

9 About Us The Loans Engine is part of CT Capital PLC. Our company has been a leading operator in the secured loans market for over 26 years and during that period we have brokered in excess of 100,000 loans totalling more than 2.2 billion. We focus on providing your client with the most appropriate and best options in the market. Our client satisfaction rates are extremely high with 99% of customers saying they would recommend us to friends or family. In the current financial climate, a remortgage is not always in the best interests of your client which is why we are committed to ensuring that you and your colleagues can provide them with the most appropriate option in every circumstance. By comparing secured loan, unsecured loan and remortgage options, you can instantly identify the most appropriate route for your client. The Loans Engine has a secured loans underwriting system that will enable you to instantly source accurate secured loan offers for your clients, without affecting their credit file. We are flexible in our process and provide a complete range of options where you decide the level of control. You can either refer an enquiry over for us to deal with on your behalf, leaving you time to concentrate on your main area of business or if you would like to retain control, the system will allow you to become your own loan broker, allowing you to find the best offers available to your client, tailoring the loan to their requirements and issuing the documents at the click of a button. Whichever process you prefer, your commission remains the same - 50% of the broker fee with no deductions for costs for secured loan payouts. Our promise to you Our business is your business, we value our relationships We are authorised and regulated by the Financial Conduct Authority There are never any upfront fees to you or your client We only offer secured lending when it is right to do so