Borrow Back Facility
Do we offer a Borrow Back Facility on any of our mortgage products? If so, which ones?
Bridging
Is Bridging finance offered by us?
Buy for University
Do we offer a specific '˜Buy for University' product? If so, what is the policy on this?
Capital & Interest Repayment Method
Is a Capital & Interest Repayment Method acceptable to us?
Cash Reserve / Facility for Additional Funds
Do we allow a Cash Reserve or Facility for Additional Funds to be applied for at the same time as the Application for the Main Loan and Initial Drawdown Amount?
Foreign Currency Mortgage Lending
Is it acceptable to us for there to be any element of Foreign Currency considered when Lending?
Free Legals
What is our policy surrounding Free Legals? For example, do we typically offer them? Are there any fees which are considered to be additional costs payable by the applicant?
Free Valuation Incentive used as part payment towards Home Buyers Survey
Where we offer Home Survey Level 2 and Level 3 report, can Free Valuation incentives be used as part payment, with the applicant paying only the difference?
Free Valuations
Do we offer Free Valuations?
Non Simultaneous Porting
Do we allow non-simultaneous porting (i.e. redeeming the mortgage and then later porting the product)? If so, what is the maximum time period that applies?
Offset Mortgages
Do we currently offer Offset Products? If so, what is our policy on these?
Overpayment Facility
Do we offer products with an Overpayment Facility?
Payment Holidays
Will we typically allow payment holidays to be taken?
Porting
Do we allow mortgages to be Ported?
Product Split on same Mortgage
Will we consider a product split on the same mortgage?
Product Transfer / Product Switch
How soon prior to the product end dates are applicants/intermediaries able to apply for a Product Transfer?
Product Withdrawal Notice Pledge
Do you have a pledge in place with regards to advance notice of product withdrawals? If so, what are the details on this?
Sharia Law Mortgages
Do we have a specific product/range for Islamic / Sharia Law Mortgage lending?
Short Term Lending
Is Short Term Lending acceptable to us?
Standard Variable Rate
What is your current Standard Variable Rate?
Switch to Fixed
Do we offer any Switch to Fixed Products?
Underpayment Facility
Will we typically allow underpayments?
Weekly Mortgage Payments
Will we allow the mortgage to be set up to allow the customer to make weekly payments instead of monthly? If so, how is this arranged and by who?
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