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All of our clients have initiated the contact and all of them have undergone our double-qualified telephone fact find (first qualified by our trained telesales staff and then re-confirmed by a supervisor). The purpose of the telephone fact find is to ensure the client meets the following criteria:

  •Minimum remaining term on mortgage is 10 years

  •Minimum advance is £50,000

  •If a mortgage payment missed within last 3 months then LTV capped at 75%

  •0 in 3 but 3 in 12 missed mortgage payments then LTV capped at 75%

  •Prime clients capped at 90% LTV

  •Applicants must have income, i.e. no clients receiving solely benefits

  •If a redemption penalty exists then the client must be aware of it and must be

  willing to pay the redemption

If you chose to opt for our mixed bag of mortgage appointments then the following criteria will also be adhered to:

  •First Time Buyer

  •LTV capped at 90%

  •Must have had an offer accepted on a property

  •Maximum of 4.75 income multiple

  •Next Time Buyer

  •LTV capped at 90%

  •Maximum of 4.75 income multiple