Specialist support to help you

Size: px
Start display at page:

Download "Specialist support to help you"

Transcription

1 Specialist support to help you Page 1 of 6 We recently launched a dedicated team of New Build specialists to help keep your cases moving. Manage pipeline cases that cannot be dealt with through your usual dedicated sales contact. Escalate and take ownership of any urgent cases. Deal with any complex new business enquiries Contact our New Build specialists ( * newbuild.team@santander.co.uk

2 Mortgage Range for New Builds Page 2 of 6 Product Range We have a number of product options available and your clients can choose from either our: Exclusive New Build range with extended completion deadline dates, or our standard new business range Maximum Loan to Value House 85% Flat 80% Available up to 85% LTV, these products offer Competitive rates Free standard valuation up to a property value of 2.5million issued on the day the application is set up on MATs Extended completion deadline of 9 months (Offer still valid for 6 months) *these exclusives are not available to customers using the Help to Buy Scheme.

3 Buy to Let mortgages made simple Page 3 of 6 Key highlights Property criteria 1 Affordability: The rent needs to cover both 5% AND also 5% + costs 2 Our BTL calculator quickly lets you know if the case is self-financing 3 Free standard valuation (up to 2.5m property valuation instructed immediately on case set up) Applicant criteria Simple steps to submit and track BTL business 1 Introducer Internet answer all AIP/FMA questions fully and provide extra detail for Underwriters in the Notes 2 MATS makes it easy to track case progress and allows you to quickly respond to any additional queries 3 Check service levels on our website.

4 Remortgage deals worth talking about. Page 4 of 6 A reminder of some of the benefits to you client if they remortgaged to a fixed rate now are: Stability Overpayments Peace of Mind Fixed monthly payments meaning any pay increase your clients receive over the course of the fixed rate may lead to greater disposable income Ability to overpay 10% per calendar year without incurring an early repayment charge. from knowing their monthly mortgage cost in a period of great uncertainty in the economy If your clients have an existing Santander personal current account, we offer preferential mortgage deals to eligible clients. must have been open for at least 30 days at the time of the mortgage application and complete the mortgage Direct Debit mandate with the Santander current account details and be named on the mortgage Key highlights 1. A range of Fixed and tracker mortgages up to 85% LTV 2. Standard mortgages available up to 1.5m 3. Large loans considered up to 3m (max 70% LTV) 4. Flat fee and no booking fee options 5. Remortgage Solution available on the majority of products: A Free standard valuation 1 Standard legal work 2 Plus did you know? If your client would like to use their own solicitor they can opt for 250 cashback as an alternative to the standard legal work. For further information please visit or call your dedicated sales contact. 1 Available up to a property value of 2.5m 2 Maximum 200 benefit ERC repayable if mortgage is redeemed within the first 2 years For full details visit our Loyalty mortgage range available on our website.

5 Payslip deductions Page 5 of 6 Payslip deductions where the applicant confirms the deduction is discretionary may be excluded from our affordability assessment, subject to confirmation in the Introducer Internet general notes Discretionary Deductions - details and what you need to do Confirmation required in Introducer Internet general notes where deductions excluded in the affordability assessment: The applicant has confirmed that the payment is discretionary, and The applicant has confirmed that payments would be reduced or cancelled if required to meet future mortgage payments; and How the payment has been excluded in the affordability assessment. Example note: Applicant has confirmed their monthly deduction of 100 towards Sharesave is discretionary and would be cancelled in the future if required to meet other outgoings. Their net income for affordability is 2,500". Examples of discretionary payslip deductions include: Additional voluntary pension contributions (must show as a separate entry on the applicant s payslip) Sharesave Employee share schemes Give as You Earn Private healthcare Mobile telephones. Payslip deductions that cannot be excluded Non-discretionary deductions, e.g. Student loans, Season ticket loans, Childcare vouchers, cannot be excluded from the affordability assessment. We do not accept applications where the customer advises they will cancel a company pension scheme to support affordability.

6 Page 6 of 6 New Introducer Internet questions for Interest only applications Santander remain committed to offering Interest Only mortgages. The introduction of these questions demonstrates that we take seriously our responsibility to ensure customers have suitable plans in place to repay their mortgage at the end of the term. What's changed? Updated the questions about the customer s future plans where any loan part is on Sale of Mortgaged Property The Sale of Mortgaged Property Customer Declaration can now be accessed within the Introducer Internet FMA This must be completed and signed by all applicants. The signed Declaration must be uploaded via MATS. The FMA will not progress until we receive the Customer Declaration. PLEASE NOTE: You must fully complete the FMA Repayment Vehicle fields within Introducer Internet and Retain evidence on file (including the Customer Declaration). We will continue to undertake regular plausibility checks in respect of the repayment strategy and may request further information or evidence. Support available to you Our Interest only guide explains how to input these applications in to Introducer Internet. Speak to your dedicated sales contact for help with any questions These changes do not affect residential Interest Only applications where the repayment vehicle is endowment or managed investments, or Buy to Let applications.

Intermediary Buy-to-Let Mortgage Range For Remortgages

Intermediary Buy-to-Let Mortgage Range For Remortgages Intermediary Buy-to-Let Mortgage Range For Remortgages To contact your local Skipton Intermediary Relationship Manager please visit skipton-intermediaries.co.uk or call the Intermediary Support team 0345

More information

Glossary of Mortgage Terms. Also known as: Mortgage Payment Protection Insurance (MPPI).

Glossary of Mortgage Terms. Also known as: Mortgage Payment Protection Insurance (MPPI). Glossary of Mortgage Terms Italics denote a cross-referenced entry Accident, Sickness and Unemployment Insurance (ASU): In the event of an accident, sickness or involuntary unemployment befalling a borrower,

More information

Lending Criteria. Standard Residential Read in conjunction with General Criteria

Lending Criteria. Standard Residential Read in conjunction with General Criteria This list is not exhaustive. Please contact us to discuss your requirements Standard Residential Term: Maximum: 35 years or the number of years it will take (the eldest) applicant to reach 70 (whichever

More information

Intermediary Buy-to-Let Mortgage Range For New Purchases

Intermediary Buy-to-Let Mortgage Range For New Purchases Intermediary Buy-to-Let Mortgage Range For New Purchases To contact your local Skipton Intermediary Relationship Manager please visit skipton-intermediaries.co.uk or call the Intermediary Support team

More information

Responsive residential mortgages

Responsive residential mortgages Your guide to residential mortgages, micro mortgages and shared ownership Responsive residential mortgages Core Products & Criteria Interest Only or Capital & Repayment mortgages; 100% Shared Ownership

More information

your Making the choice clearer SOLD TO LET

your Making the choice clearer SOLD TO LET your SOLD mortgagefor SALE movesold TO LET Making the choice clearer mortgage At Connells, we ll make it easy for you with our comprehensive mortgage service. Help and guidance from the experts Buying

More information

Mortgage Product Guide

Mortgage Product Guide Nov 2015 Issue 04/15CPI Mortgage Product Guide For intermediary use only These products are available exclusively through the selected distributors below. Benefits of using The Mansfield: No automated

More information

Residential mortgages general information

Residential mortgages general information Residential mortgages general information Residential mortgages general information 2 Contents Who we are and what we do 2 Forms of security 2 Representative Example 2 Indication of possible further costs

More information

Lending Criteria. Standard Residential Read in conjunction with General Criteria

Lending Criteria. Standard Residential Read in conjunction with General Criteria This list is not exhaustive. Please contact us to discuss your requirements Standard Residential Term: Maximum: 35 years or the number of years it will take (the eldest) applicant to reach 70 (whichever

More information

Intermediary Residential Lending Criteria February 2015

Intermediary Residential Lending Criteria February 2015 INTERMEDIARIES & INVESTMENT PROFESSIONALS ONLY: NOT FOR PUBLIC DISTRIBUTION Page 1 of 13 Intermediary Residential Lending Criteria February 2015 What s changed? The following section has been updated:

More information

Intermediary Residential Lending Criteria March 2016

Intermediary Residential Lending Criteria March 2016 INTERMEDIARIES & INVESTMENT PROFESSIONALS ONLY: NOT FOR PUBLIC DISTRIBUTION Page1of13 Intermediary Residential Lending Criteria March 2016 What s changed? The following section has been updated: Types

More information

Criteria and Affordability Guide. 55+ Mortgage Retirement Mortgage

Criteria and Affordability Guide. 55+ Mortgage Retirement Mortgage Criteria and Affordability Guide 55+ Mortgage Retirement Mortgage FOR INTERMEDIARY USE ONLY 1. Loan Criteria Type of mortgage Standard residential mortgage Lifetime mortgage (equity release adviser qualification

More information

INTERMEDIARIES & INVESTMENT PROFESSIONALS ONLY: NOT FOR PUBLIC DISTRIBUTION

INTERMEDIARIES & INVESTMENT PROFESSIONALS ONLY: NOT FOR PUBLIC DISTRIBUTION INTERMEDIARIES & INVESTMENT PROFESSIONALS ONLY: NOT FOR PUBLIC DISTRIBUTION Introducer Internet How to submit an application (Buy to Let) November 2015 Contents This guide shows you how to submit a new

More information

MORTGAGE LENDING GUIDE. For financial adviser use only

MORTGAGE LENDING GUIDE. For financial adviser use only MORTGAGE LENDING GUIDE For financial adviser use only SCOTTISH WIDOWS BANK CONTACT LIST Telephone Sales Product enquiries, Mortgage Illustrations & DIP 0345 845 0110 SWB.Mortgages@scottishwidows.co.uk

More information

Fairness is one of our key values. We have a code of fairness that you will be provided with when you apply for a mortgage with us.

Fairness is one of our key values. We have a code of fairness that you will be provided with when you apply for a mortgage with us. Mortgages Explained This leaflet answers some of the more common questions that you may have about how your mortgage works and the relationship between the Society and its borrowers. Please read it carefully.

More information

Types Of Mortgage. Wealth Management (NW) Ltd

Types Of Mortgage. Wealth Management (NW) Ltd BRAEMAR Wealth Management (NW) Ltd A Guide To Mortgages A mortgage is a sum of money borrowed from a bank or building society in order to purchase a property. The money is then paid back to the Lender

More information

Mortgages explained. Call 01635 555777 Visit newbury.co.uk with effect from 1 January 2013. Mortgages. NEWBURY building society

Mortgages explained. Call 01635 555777 Visit newbury.co.uk with effect from 1 January 2013. Mortgages. NEWBURY building society Mortgages explained Mortgages Call 01635 555777 Visit newbury.co.uk with effect from 1 January 2013 NEWBURY building society About this booklet This booklet sets out all the information that you may need

More information

Mortgage Fact Find. This Fact Find is for use when offering Mortgage Products. It does not cover Regulated Investment Products.

Mortgage Fact Find. This Fact Find is for use when offering Mortgage Products. It does not cover Regulated Investment Products. Adviser / Consultant Name Client Reference of Fact Find Applicant Details Joint Application Title Male Female Male Female Surname First Name(s) Previous Name(s) Nationality of Birth (dd/mm/yyyy) Marital

More information

The Help to Buy Equity Loan Scheme What you need to know before you go ahead

The Help to Buy Equity Loan Scheme What you need to know before you go ahead Page 1 of 6 The Help to Buy Equity Loan Scheme What you need to know before you go ahead What is the Help to Buy Equity Loan scheme? The Help to Buy Equity Loan scheme is a Government backed programme

More information

The Deferred Payments Scheme. An information leaflet for home owners, paying for residential or nursing home care

The Deferred Payments Scheme. An information leaflet for home owners, paying for residential or nursing home care The Deferred Payments Scheme An information leaflet for home owners, paying for residential or nursing home care What is the Deferred Payment Scheme? The deferred payment scheme is designed to help if

More information

InterBay Gold Key Partner Product Range

InterBay Gold Key Partner Product Range InterBay Gold Key Partner Product Range 85% Loan to Value for residential Buy To Lets with 110% DSCR InterBay Commercial's ground breaking residential buy to let product, using a rental cover calculation

More information

Buy-to-let Product Guide

Buy-to-let Product Guide Buy-to-let Product Guide Product Highlights 3.05% 2 year fixed 995 fee - 75%LTV Page 4 3.40% 2 year fixed Nil fee - 75%LTV Page 4 3.45% 2 year fixed 1% fee - 80%LTV Page 4 3.70% 5 year fixed 995 fee -

More information

Mortgage Lending Criteria

Mortgage Lending Criteria Mortgage Lending Criteria Please refer to this document to ensure that your applicants, and the property they d like a mortgage on, meet our requirements. Standard Age: Minimum: 18 Term: Maximum: 35 years

More information

Please refer to this document to ensure that your applicants, and the property they d like a mortgage on, meet our requirements.

Please refer to this document to ensure that your applicants, and the property they d like a mortgage on, meet our requirements. Please refer to this document to ensure that your applicants, and the property they d like a mortgage on, meet our requirements. Standard Age: Minimum: 18 Term: Maximum: 35 years or the number of years

More information

Residential Mortgage criteria as at 12 February 2015

Residential Mortgage criteria as at 12 February 2015 Residential Mortgage criteria as at 12 February 2015 Personal Details Min Age: Max Age: Lending into retirement: Address history: Ex-Pat: First Time Buyer: Guarantor: Islamic Mortgages: Multiple Applicants:

More information

Mortgages Guide. From http://limetreefs.co.uk 1

Mortgages Guide. From http://limetreefs.co.uk 1 Mortgages Guide Mortgages revealed... The explanations below are intended to give you an insight into some of the more common terms associated with the mortgage process. Repaying the Mortgage Whichever

More information

Halifax Intermediaries Product Guide

Halifax Intermediaries Product Guide Halifax Intermediaries Product Guide Customers with smaller loans will typically pay less over the product life if they select products with smaller fees, despite the higher interest rates payable. For

More information

t: +44 (0) 1708 206 498 e: info@turkishmortgagesplus.com w: turkishmortgagesplus.com

t: +44 (0) 1708 206 498 e: info@turkishmortgagesplus.com w: turkishmortgagesplus.com t: +44 (0) 1708 206 498 e: info@turkishmortgagesplus.com w: turkishmortgagesplus.com Turkish Property Finance Your Mortgage Guide YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE.

More information

MORTGAGE ADVICE YOU CAN DEPEND ON

MORTGAGE ADVICE YOU CAN DEPEND ON MORTGAGE ADVICE YOU CAN DEPEND ON INTRODUCTION Whether you re buying your first home, remortgaging, or purchasing an investment property, there are lots of processes to go through, issues to tackle and

More information

Guide to buying your first home. January 2015

Guide to buying your first home. January 2015 Guide to buying your first home January 2015 Guide to buying your first home Buying a home is the largest purchase most people are likely to make and for first time buyers securing a mortgage for the first

More information

INFORMATION ABOUT YOUR MORTGAGE. Important information for you to keep and refer to

INFORMATION ABOUT YOUR MORTGAGE. Important information for you to keep and refer to INFORMATION ABOUT YOUR MORTGAGE Important information for you to keep and refer to 1 Information about your mortgage This booklet is sent to you with your mortgage offer so you can read it before you enter

More information

Help to Buy Buyers Guide. Homes and Communities Agency http://www.homesandcommunities.co.uk/helptobuy August 2014

Help to Buy Buyers Guide. Homes and Communities Agency http://www.homesandcommunities.co.uk/helptobuy August 2014 Help to Buy Buyers Guide Homes and Communities Agency http://www.homesandcommunities.co.uk/helptobuy August 2014 What is Help to Buy? Help to Buy is equity loan assistance to home buyers from the Homes

More information

M O R T G A G E S E R V I C E S A borrower s guide

M O R T G A G E S E R V I C E S A borrower s guide M O R T G A G E S E R V I C E S A borrower s guide For most of us, house purchase is our largest financial transaction and the associated mortgage the biggest financial commitment. Repayment of the mortgage

More information

for independent information mortgages made easy

for independent information mortgages made easy for independent information mortgages made easy About us We are an independent watchdog set up by the Government to: regulate firms that provide financial services; and help you make informed decisions

More information

First Time Buyers. A guide to owning your first home

First Time Buyers. A guide to owning your first home First Time Buyers A guide to owning your first home Helping you to get on the property ladder Fed up living with others? Been dreaming of owning your own home? If the answer is yes, then take a look at

More information

Schedule of Fees and Charges

Schedule of Fees and Charges Schedule of Fees and Charges Standard Home Loans - Variable Rate and Fixed Rate (bcu's standard home loan is defined as a loan secured by one residential property) Guide to pre-settlement fees and charges

More information

Remortgaging guide 1. Remortgaging guide. We re with you every step of the way

Remortgaging guide 1. Remortgaging guide. We re with you every step of the way Remortgaging guide 1 Remortgaging guide We re with you every step of the way Remortgaging guide 2 With so many different mortgages out there to choose from, deciding which one is best for you can be a

More information

Retirement Mortgage Product summary

Retirement Mortgage Product summary Retirement Mortgage Product summary The Retirement Mortgage from Hodge Lifetime provides you with a flexible way to borrow money in retirement. A legal charge is secured on your home. AIMS The Retirement

More information

Houses into Homes Empty Property Loan Scheme. Georgina Wayman Environmental Health Officer Private Sector Housing

Houses into Homes Empty Property Loan Scheme. Georgina Wayman Environmental Health Officer Private Sector Housing Houses into Homes Empty Property Loan Scheme Georgina Wayman Environmental Health Officer Private Sector Housing Houses into Homes Loan Scheme In 2012, Welsh Government committed a 10 million recyclable

More information

Gibraltar International Bank. Services Tariff Guide

Gibraltar International Bank. Services Tariff Guide Gibraltar International Bank Services Tariff Guide Services Tariff Guide - Personal General Personal Prime Personal Plus Duplicate Statement n/a 5 per sheet n/a Duplicate Tax Letters 35 n/a 35 Cert of

More information

Help to Buy Buyers Guide

Help to Buy Buyers Guide Help to Buy Buyers Guide Homes and Communities Agency http://www.homesandcommunities.co.uk/helptobuy Page 1 of 27 Key information Buyers using this scheme must provide security in the form of a second

More information

Guide to Residential Lending Policy Criteria

Guide to Residential Lending Policy Criteria Mortgages Guide to Residential Lending Policy Criteria External Guide 3 April 2014 Please note: Additions and changes as of 3 April 2014 are displayed in Red. INTERMEDIARIES Guide to Residential Lending

More information

MORTGAGE FACTSHEET -1-

MORTGAGE FACTSHEET -1- MORTGAGE FACTSHEET Choosing and obtaining a mortgage is not a simple task these days - whether you are a first time buyer, moving home, or remortgaging as you reach the end of your current incentive. This

More information

tipton intermediaries

tipton intermediaries tipton intermediaries buy to let criteria guide november 2015 THIS DOCUMENT IS RESTRICTED TO MORTGAGE INTERMEDIARY USE ONLY This document is a general guide to our full lending policy and details our key

More information

Mortgage advice you can depend on

Mortgage advice you can depend on Our Mortgage advice you can depend on Whether buying your first home, buying to let, or remortgaging, this guide tackles the main considerations. If you want to learn more and receive advice tailored to

More information

tipton intermediaries

tipton intermediaries tipton intermediaries buy to let criteria guide january 2016 THIS DOCUMENT IS RESTRICTED TO MORTGAGE INTERMEDIARY USE ONLY This document is a general guide to our full lending policy and details our key

More information

The Help to Buy: equity loan scheme What you need to know before you go ahead

The Help to Buy: equity loan scheme What you need to know before you go ahead Page 1 of 5 The Help to Buy: equity loan scheme What you need to know before you go ahead What is the Help to Buy: equity loan scheme? The Help to Buy: equity loan scheme is a Government backed programme

More information

Lending guidelines and submission requirements

Lending guidelines and submission requirements Lending guidelines and submission requirements October 2015 www.mortgagetrust.co.uk simply buy-to-let Submission requirements The following items must be submitted on application: In respect of self-employed

More information

We can help with BUYING A RESALE PROPERTY

We can help with BUYING A RESALE PROPERTY We can help with BUYING A RESALE PROPERTY Contents Buying a Resale property 2 Why buy through a Shared Ownership scheme? 2 Who are Family Mosaic? 3 When I buy a resale property, what am I buying? 3 I

More information

Buy-to-let Product Guide

Buy-to-let Product Guide INTEREST RATES AND FEES - 11 January 2016 Buy-to-let Product Guide Product Highlights 3.70% 2 year fixed 1.50% fee - 75% LTV unit for individuals and Limited Companies 3.99% 3 year fixed 1.50% fee - 75%

More information

Tariff of Mortgage Charges

Tariff of Mortgage Charges Tariff of Mortgage Charges Also known as Your Guide to Standard Mortgage Charges Bank of Ireland is closely involved in the mortgage industry s initiative with the Council of Mortgage Lenders and Which?

More information

AIB Mortgages Helping you move home. Tracker Interest Rate Retention and Negative Equity Mover Brochure. Guiding you through your next move.

AIB Mortgages Helping you move home. Tracker Interest Rate Retention and Negative Equity Mover Brochure. Guiding you through your next move. AIB Mortgages Helping you move home. Tracker Interest Rate Retention and Negative Equity Mover Brochure. Guiding you through your next move. Contents 01 Introduction Tracker Interest Rate Retention Negative

More information

Your mortgage with us. Helping you feel at home

Your mortgage with us. Helping you feel at home Your mortgage with us Helping you feel at home Your mortgage now and in the future Your mortgage shouldn t be complicated you apply for a loan and we lend what we think you can afford. Simple. It s a valuable

More information

Tariff of charges. The following is a list of fees for various services which may be incurred during the period you have your account with us.

Tariff of charges. The following is a list of fees for various services which may be incurred during the period you have your account with us. The following is a list of fees for various services which may be incurred during the period you have your account with us. New tariff effective from 1st July 2015 All fees are subject to review in the

More information

Tariff of Mortgage Charges

Tariff of Mortgage Charges Tariff of Mortgage Charges Bradford & Bingley and Mortgage Express are closely involved in the mortgage industry s initiative with the Council of Mortgage Lenders and Which? to make our fees and charges

More information

Mortgage Lending Criteria

Mortgage Lending Criteria INTERMEDIARY Mortgage Lending Criteria Effective from 18 April 2016 This bulletin is for intermediary use only and strictly not for public distribution Principality is committed to the intermediary market

More information

The Mortgage Packager Limited. Applicants name: Fact Find Date: 16-20 South Street Hythe Southampton SO45 6EB

The Mortgage Packager Limited. Applicants name: Fact Find Date: 16-20 South Street Hythe Southampton SO45 6EB Applicants name: Fact Find Date: The Mortgage Packager Limited 16-20 South Street Hythe Southampton SO45 6EB Telephone: 02380 018109 Fax: 02380 001136 info@tmp-mortgages.co.uk Regulated by the Financial

More information

A Guide to the Mortgage to Rent Scheme

A Guide to the Mortgage to Rent Scheme a government initiative A Guide to the Mortgage to Rent Scheme A Guide for Applicants Contents 1. What is the Mortgage to Rent Scheme? 3 2. What are the benefits of the Scheme? 3 3. Who provides the Scheme?

More information

Tariff of Mortgage Charges

Tariff of Mortgage Charges Tariff of Mortgage Charges 0800 298 5714 precisemortgages-customers.co.uk Precise Mortgages is closely involved in the mortgage industry s initiative with the Council of Mortgage Lenders and Which? to

More information

Your first home. A guide to buying for the first time

Your first home. A guide to buying for the first time Your first home A guide to buying for the first time 2 Your guide to getting it right You re planning on buying a place of your own at last. It will be your space and no one else s. It s an exciting thought.

More information

About us. For more information call us now on 0800 316 2224 or visit www.cleverlending.co.uk

About us. For more information call us now on 0800 316 2224 or visit www.cleverlending.co.uk About us Having come to the market with a wealth of experience behind us, Clever Lending is a second charge master broker focusing on making secured loans more accessible to intermediaries. With the regulatory

More information

BRIDGING FINANCE WITHOUT COMPLICATION

BRIDGING FINANCE WITHOUT COMPLICATION BRIDGING FINANCE WITHOUT COMPLICATION BRIDGING FINANCE WITHOUT COMPLICATION The Brooklin Partnership PLC was created to fulfil a niche in the property market, offering finance to the like of Property Developers

More information

Residential Lending Guide

Residential Lending Guide Residential Lending Guide (this is not the Society s full responsible lending policy and is provided for guidance purposes only) Loan Size Minimum 20,000 * Maximum 500,000* (*subject to product terms and

More information

MORE CHOICE MORTGAGE CENTRE MORTGAGE GUIDE

MORE CHOICE MORTGAGE CENTRE MORTGAGE GUIDE MORE CHOICE MORTGAGE CENTRE MORTGAGE GUIDE All you need to know about buying and protecting your home THE FSA More Choice Financial Ltd, The Rufus Centre, Steppingley Road, Flitwick Beds MK45 1AH is authorised

More information

Buy to Let Lending Guide

Buy to Let Lending Guide Buy to Let Lending Guide N.B. This is not Leek United Building Society s full Responsible Lending Policy and is provided for guidance purposes only Properties must be let on an Assured Shorthold Tenancy

More information

KEY MORTGAGE INFORMATION & EXPLANATIONS

KEY MORTGAGE INFORMATION & EXPLANATIONS KEY MORTGAGE INFORMATION & EXPLANATIONS THE SOCIETY Within this document reference to we us and our refers to the Society, full details of which are: Tipton & Coseley Building Society, 70 Owen Street,

More information

Specialist Lending Product Guide

Specialist Lending Product Guide Interest rates and lending criteria Effective from 1 November 2011 Product Range 4511 GE Mortgage Base currently 3.50% Specialist Lending Product Guide Range highlights Self-Employed customers acceptable

More information

Tariff of mortgage fees

Tariff of mortgage fees Tariff of mortgage fees Effective 1st April 2014 2 Bath Building Society is giving you this information so that you will understand the fees that might be charged whilst you are a customer of the Society.

More information

197 Ecclesall Road, SHEFFIELD S11 8HW METRO FINANCE HELPING YOU GET THE MORTGAGE YOU WANT

197 Ecclesall Road, SHEFFIELD S11 8HW METRO FINANCE HELPING YOU GET THE MORTGAGE YOU WANT www.metrofinance.co.uk Fourth Floor, Wards Exchange, 197 Ecclesall Road, SHEFFIELD S11 8HW METRO FINANCE HELPING YOU GET THE MORTGAGE YOU WANT ON THE FOLLOWING PAGES YOU WILL FIND INFORMATION TO HELP YOU

More information

Intermediary data capture form (for use with online mortgage application only)

Intermediary data capture form (for use with online mortgage application only) Intermediary data capture form (for use with online mortgage application only) Approval in principle (AIP) (fields with a shaded background are needed to produce KFI) Title Forename(s) Surname House name

More information

Lending guidelines and submission requirements

Lending guidelines and submission requirements Lending guidelines and submission requirements 1 February 2013 Buy-to-let for serious players Submission requirements The following items are required to be submitted on application: For all applications:

More information

Our fees and charges explained

Our fees and charges explained Our fees and charges explained and other important information about how your mortgage works June 2015 What s in this booklet Keeping you informed 3 Application and valuation fees 3 Application fees 3

More information

Our Code of Practice for Domestic Customer Debt

Our Code of Practice for Domestic Customer Debt Our Code of Practice for Domestic Customer Debt 2104/2/2011 1 Introduction This is our Code of Practice for dealing with domestic customer debt. It gives details on paying your bills, and states what we

More information

mortgage portal user guide

mortgage portal user guide mortgage portal user guide contents Chapter 1 Introduction 1 Accessing the Mortgage Portal and How to Register 2 Chapter 2 Logging in and Your Profile 4 Chapter 3 Producing a KFI 6 Chapter 4 Getting an

More information

Buy-to-let Product Guide

Buy-to-let Product Guide INTEREST RATES AND FEES - JANUARY 0 Buy-to-let Product Guide Product Highlights.99% year fixed 9 fee - %LTV Page.8% year fixed Nil fee - 7%LTV Page.% year fixed Nil fee - 80%LTV Page.9% year fixed 9 fee

More information

RIGHT TO ACQUIRE PROCEDURES

RIGHT TO ACQUIRE PROCEDURES RIGHT TO ACQUIRE PROCEDURES The Right to Acquire was introduced by the 1996 Housing Act and is effectively the right to buy as a condition of Social Housing Grant funding. The Right to Buy rules apply

More information

Information on the Council s Deferred Payments Scheme

Information on the Council s Deferred Payments Scheme Information on the Council s Deferred Payments Scheme What is the Deferred Payments Scheme? The Deferred Payments Scheme is designed to help you if you have been assessed as having to pay the full cost

More information

Mortgage Term Glossary

Mortgage Term Glossary Mortgage Term Glossary Advance - The mortgage Loan. Adverse Credit - This is the term used if the borrower has suffered a poor credit history. This could include previous mortgage or loan arrears, CCJ's

More information

Additional borrowing guide 1. Additional borrowing. We re with you every step of the way

Additional borrowing guide 1. Additional borrowing. We re with you every step of the way Additional borrowing guide 1 Additional borrowing We re with you every step of the way Additional borrowing guide 2 What is additional borrowing? Sometimes you may be able to borrow extra money from your

More information

A GUIDE TO OUR OWNER OCCUPIER MORTGAGE CRITERIA

A GUIDE TO OUR OWNER OCCUPIER MORTGAGE CRITERIA A GUIDE TO OUR OWNER OCCUPIER MORTGAGE CRITERIA Issued: 17 May 2016 Contents Introduction. 3 Summary 3 Purpose of borrowing. 3 Status... 4 Foreign nationals.. 4 Impaired credit 4 Income 5 Age 5 Mortgage

More information

to vote on borrowing Member s resolutions. This is further explained in the Society s Rules (a copy is available on request).

to vote on borrowing Member s resolutions. This is further explained in the Society s Rules (a copy is available on request). Mortgages Explained 2 This brochure answers some of the more common questions that you may have about how your mortgage works and the relationship between the Society and its borrowers. Please read it

More information

A Guide to the Mortgage to Rent Scheme

A Guide to the Mortgage to Rent Scheme a government initiative A Guide to the Mortgage to Rent Scheme The Mortgage to Rent Scheme is a government initiative to help homeowners who are at risk of losing their home. Contents 1. What is the Mortgage

More information

Your Mortgage Guide. The Exchange. Property Services Mortgage Services Letting & Management Services Conveyancing Services

Your Mortgage Guide. The Exchange. Property Services Mortgage Services Letting & Management Services Conveyancing Services The Exchange Property Services Mortgage Services Letting & Management Services Conveyancing Services Your Mortgage Guide Contents: Introduction... 3 The Financial Services Authority (FCA)... 3 What is

More information

The Straightforward. Consumer IVA Protocol. 2014 version

The Straightforward. Consumer IVA Protocol. 2014 version The Straightforward Consumer IVA Protocol 2014 version Effective from January 2014 1 IVA PROTOCOL Straightforward consumer individual voluntary arrangement hereinafter referred to as a Protocol Compliant

More information

Our fees and charges explained

Our fees and charges explained Our fees and charges explained and other important information about how your mortgage works May 2015 What s in this booklet Keeping you informed 3 Application and valuation fees 3 Application fees 4 Valuation

More information

How commercial products can help residential landlords. Speaker: David Weeds

How commercial products can help residential landlords. Speaker: David Weeds How commercial products can help residential landlords Speaker: David Weeds The marketplace Commercial market Continued economic recovery Improved business confidence Increased demand for commercial property

More information

MORTGAGES4REAL LIMITED

MORTGAGES4REAL LIMITED WELCOME TO MIKE ROGERSON.CO.UK ESTATE AGENTS SURVEYORS LETTINGS MANGEMENT MIKE ROGERSON MORTGAGES4REAL LIMITED We know that taking out a mortgage will probably be the biggest financial commitment you can

More information

What is the Deferred Payments Scheme?

What is the Deferred Payments Scheme? What is the Deferred Payments Scheme? The Deferred Payments Scheme is designed to help you if you have been assessed as having to pay the full cost of your residential care but cannot afford to pay the

More information

Information for people in residential care with property

Information for people in residential care with property Information for people in residential care with property If you are assessed as eligible for permanent residential care and you have a property and your other capital is valued at less than 23,250 the

More information

Repayment Type. 18 Month Tracker 2.99% (Tracks 0 75% 30.04.2015 4% Repayment 25k 4.0% 3% until 30.04.2015 TO2537

Repayment Type. 18 Month Tracker 2.99% (Tracks 0 75% 30.04.2015 4% Repayment 25k 4.0% 3% until 30.04.2015 TO2537 for use by mortgage intermediaries Our mortgage range and rates Remortgage lending Rate: 0.5% Issue 31 May 2013 All rates correct as at 15.05.2013 The product/arrangement fee will be added to the loan.

More information

Tariff of Mortgage Charges

Tariff of Mortgage Charges Effective 27th January 2016 Monmouthshire Building Society is closely involved in the mortgage industry s initiative with the Council of Mortgage Lenders and Which? to make our fees and charges easy for

More information

Buying a Shared Ownership Property

Buying a Shared Ownership Property Buying a Shared Ownership Property Contents 3. What is Shared Ownership 4. Why buy with Genesis? 5. What am I buying? 6. Register with us 7. Eligibility 8. Financial assessment 9. Arranging a mortgage

More information

MMR lender roadshow Q&As

MMR lender roadshow Q&As MMR lender roadshow Q&As Responsible lending including affordability Can a firm use their knowledge of a profession when assessing income and future changes? Can I build the interest rate stress test into

More information

Are you in danger of losing your home?

Are you in danger of losing your home? Are you in danger of losing your home? Help is at hand. Mortgage to Rent scheme Mortgage to Shared Equity scheme The Scottish Government Home Owners Support Fund What are the Mortgage to Rent and Mortgage

More information

Senior Asset Sales Officer POSITION LEVEL: Level 5 Higher

Senior Asset Sales Officer POSITION LEVEL: Level 5 Higher JOB TITLE: Asset Sales Support Assistant REPORTS TO: Senior Asset Sales Officer POSITION LEVEL: Level 5 Higher JOB PURPOSE: To facilitate the allocation of low cost home ownership, ensuring customer enquiries

More information

Government mortgage rescue scheme What will it mean for me and my family?

Government mortgage rescue scheme What will it mean for me and my family? Government mortgage rescue scheme What will it mean for me and my family? What is mortgage rescue? Mortgage rescue is help that the Government is offering if: you are struggling to keep up with your mortgage

More information

GUIDE TO MOVING. We can give you a breakdown of the costs involved

GUIDE TO MOVING. We can give you a breakdown of the costs involved GUIDE TO MOVING "I'll never do this again!" So many people say this at some stage when they are buying and selling a house that we have prepared this guide to assist you. It outlines how the transaction

More information

MABS Guide to the Personal Insolvency Act, 2012

MABS Guide to the Personal Insolvency Act, 2012 MABS Guide to the Personal Insolvency Act, 2012 DISCLAIMER: This Guide is for general information purposes only and does not constitute legal, financial or other professional advice. Specific advice should

More information

A HOME OF YOUR OWN. A Guide to Low Cost Housing in Hounslow for People on Moderate Incomes and for Key Workers

A HOME OF YOUR OWN. A Guide to Low Cost Housing in Hounslow for People on Moderate Incomes and for Key Workers A HOME OF YOUR OWN A Guide to Low Cost Housing in Hounslow for People on Moderate Incomes and for Key Workers WHAT IS LOW COST HOUSING? Low Cost Housing is a general term for a number of schemes aimed

More information

BUY TO LET MORTGAGE FEE TARIFF

BUY TO LET MORTGAGE FEE TARIFF Axis Bank UK Limited BTL Mortgage Fee Tariff UK LTD. BUY TO LET MORTGAGE FEE TARIFF Effective from: 31 st March 2015 Issue Date: 31 st March 2015 Overview This document should be reviewed by anyone considering

More information