Product Exclusives - Precise Mortgages

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					Product Exclusives
Personal Touch Financial Services                                                                                                     100%
                                                                                                                                  Dedicated to
Exclusive and Semi-Exclusive products.                                                                                          the Intermediary
                                                                                                                                     market
                                                                                                                                  No branches, no
                                                                                                                                   dual pricing,
                                                                                                                                   just brokers.
 Near Prime Home Owner Exclusive and Semi-Exclusive
 2 Year Capped products.
 All products are available for purchase and remortgage.

  Defaults                                                 CCJs                                           Mortgage Arrears
  1 in last 36 months; max £500.                           0 in last 36 months.                           0 in last 36 months.



  Code    LTV     Initial Rate                             Capped Rate            Reversion Rate           ERCs                  Product Fee
                                                           6.74% capped until
  RES95   75%     4.80% (LIBOR + 3.99%) until 31/12/2012                          5.70% (LIBOR + 4.89%)    None                  £1,495
                                                           31/12/2012                                                                             £300 Cashback
                                                                                                                                                        +
                                                           6.99% capped until                                                                    Refund of Standard
  RES97   80%     5.05% (LIBOR + 4.24%) until 31/12/2012                          5.70% (LIBOR + 4.89%)    None                  £1,495            Valuation and
                                                           31/12/2012                                                                             Assessment fee*
                                                           7.24% capped until
  RES99   80%     5.30% (LIBOR + 4.49%) until 31/12/2012                          5.70% (LIBOR + 4.89%)    None                  £1,795
                                                           31/12/2012




  Defaults                                                 CCJs                                           Mortgage Arrears
  1 in last 36 months; max £500.                           0 in last 36 months.                           0 in last 12 months; 1 in last 36 months.


  Code    LTV     Initial Rate                             Capped Rate            Reversion Rate           ERCs                  Product Fee
                                                           7.29% capped until
  RET02   80%     5.35% (LIBOR + 4.54%) until 31/12/2012                          5.70% (LIBOR + 4.89%)    None                  £1,495
                                                           31/12/2012




  Defaults                                                 CCJs                                            Mortgage Arrears
  1 in last 12 months; max £500                            1 in last 36 months; max £500.                  0 in last 12 months; 1 in last 36 months.
  or 1 in last 13-36 months; max £1000.

  Code    LTV     Initial Rate                             Capped Rate            Reversion Rate           ERCs                  Product Fee
                                                           7.59% capped until
  RET04   75%     5.65% (LIBOR + 4.84%) until 31/12/2012                          6.10% (LIBOR + 5.29%)    None                  £1,495
                                                           31/12/2012




                                                                                                 * Maximum refund of Standard Valuation & Assessment fee £480.




Free-phone                     0800 116 4385

                                                                                                                                                         00109
      Product Exclusives
      Personal Touch Financial Services                                                                                                               100%
                                                                                                                                                  Dedicated to
      Exclusive and Semi-Exclusive products.                                                                                                    the Intermediary
                                                                                                                                                     market
                                                                                                                                                 No branches, no
                                                                                                                                                  dual pricing,
                                                                                                                                                  just brokers.
            Near Prime 2 Year Capped Home Owner Products
            All products are available for purchase and remortgage.


            Defaults                                                  CCJs                                               Mortgage Arrears
            2 in last 36 months; max £1000.                           1 in last 36 months; max £500.                     0 in last 12 months; 3 in last 36 months.


            Code     LTV     Initial Rate                             Capped Rate             Reversion Rate             ERCs                   Product Fee
                                                                      7.84% capped until
            RES69    70%     5.90% (LIBOR + 5.09%) until 31/12/2012                           6.50% (LIBOR + 5.69%)      3% to 31/12/2011       1.50% (Min £1,795)
                                                                      31/12/2012
                                                                      8.19% capped until
            RET05    75%     6.25% (LIBOR + 5.44%) until 31/12/2012                           6.50% (LIBOR + 5.69%)      None                   £1,495
                                                                      31/12/2012



             Defaults                                                 CCJs                                               Mortgage Arrears*
             1 in last 12 months; max £500                            1 in last 36 months; max £500.                     1 in last 36 months.
             or 1 in last 13-36 months; max £1000.

             Code    LTV     Initial Rate                             Capped Rate             Reversion Rate             ERCs                   Product Fee
                                                                      7.84% capped until
             RES89   65%     5.90% (LIBOR + 5.09%) until 31/12/2012                           6.80% (LIBOR + 5.99%)      3% to 31/12/2011       1.50% (Min £2,495)
                                                                      31/12/2012                                                                                        £300 Cashback
                                                                      8.24% capped until
                                                                                                                                                                              +
Exclusive    RES90   70%     6.30% (LIBOR + 5.49%) until 31/12/2012                           6.80% (LIBOR + 5.99%)      3% to 31/12/2011       1.50% (Min £2,495)     Refund of Standard
                                                                      31/12/2012                                                                                         Valuation and
                                                                                                                                                                        Assessment fee**
                                                                      8.74% capped until
             RES91   75%     6.80% (LIBOR + 5.99%) until 31/12/2012                           6.80% (LIBOR + 5.99%)      3% to 31/12/2011       1.50% (Min £2,495)
                                                                      31/12/2012




             Defaults                                                 CCJs                                               Mortgage Arrears*
             2 in last 36 months; max £1000.                          1 in last 36 months; max £500.                     1 in last 12 months; 3 in last 36 months.

            Code     LTV     Initial Rate                             Capped Rate             Reversion Rate             ERCs                   Product Fee
                                                                      8.74% capped until
            RET06    75%     6.80% (LIBOR + 5.99%) until 31/12/2012                           7.10% (LIBOR + 6.29%)      None                   £1,795
                                                                      31/12/2012
                                                                      8.14% capped until
            RES92    65%     6.20% (LIBOR + 5.39%) until 31/12/2012                           7.10% (LIBOR + 6.29%)      3% to 31/12/2011       1.50% (Min £2,495),     £300 Cashback
                                                                      31/12/2012
                                                                                                                                                                              +
                                                                      8.54% capped until                                                                               Refund of Standard
Exclusive   RES93    70%     6.60% (LIBOR + 5.79%) until 31/12/2012                           7.10% (LIBOR + 6.29%)      3% to 31/12/2011       1.50% (Min £2,495)       Valuation and
                                                                      31/12/2012                                                                                        Assessment fee**
                                                                      9.04% capped until
            RES94    75%     7.10% (LIBOR + 6.29%) until 31/12/2012                           7.10% (LIBOR + 6.29%)      3% to 31/12/2011       1.50% (Min £2,495)
                                                                      31/12/2012




                                                                                * Mortgage must be up-to-date. ** Maximum refund of Standard Valuation & Assessment fee £480.




     Free-phone                             0800 116 4385

                                                                                                                                                                        00109
Product Exclusives
Personal Touch Financial Services
Exclusive and Semi-Exclusive products.

 Near Prime Home Owner 2 Year Tracker products.
 All products are available for purchase and remortgage.


  Defaults                                             CCJs                                             Mortgage Arrears
  1 in last 36 months; max £500.                       0 in last 36 months.                             0 in last 36 months.

 Code     LTV     Initial Rate                                                Reversion Rate           ERCs                    Product Fee

 RES96    75%     4.60% (LIBOR + 3.79%) for 2 years                           5.70% (LIBOR + 4.89%)    None                    £995                 £300 Cashback
                                                                                                                                                          +
 RES98    80%     4.85% (LIBOR + 4.04%) for 2 years                           5.70% (LIBOR + 4.89%)    None                    £995                 Refund of Standard
                                                                                                                                                      Valuation and
                                                                                                                                                     Assessment fee*
 RET01    80%     5.10% (LIBOR + 4.29%) for 2 years                           5.70% (LIBOR + 4.89%)    None                    £1,295




  Defaults                                             CCJs                                             Mortgage Arrears
  1 in last 36 months; max £500.                       0 in last 36 months.                             0 in last 12 months; 1 in last 36 months.

 Code     LTV     Initial Rate                                                Reversion Rate           ERCs                  Product Fee

 RET03    80%     5.15% (LIBOR + 4.34%) for 2 years                           5.70% (LIBOR + 4.89%)    None                  £995




      100% to
                                                                                               * Maximum refund of Standard Valuation & Assessment fee £480.


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Free-phone                       0800 116 4385

                                                                                                                                                        00109
Near Prime Home Owner Criteria

Loan                                                        Applicant                                                       Notes
      Max loan: £300,000                                           Min age: 25
      Min loan: £25,001
                                                                   Max age: 65
                                                                                                                                 • Available in England
      Max LTV: Up to 80%                                           (at end of mortgage)
                                                                                                                                   and Wales.
      Min term: 5 Years                                            Max no. of applicants: 2                                      • Products are not
      Max term: 30 Years                                                                                                           portable.
                                                                   Min earned income: £15,000
                                                                   (Primary Applicant)



Notes

     General criteria
     • Products are only available to borrowers with a clear credit record for 3 months prior to application.
     • Capital and Interest repayment method only.
     • Maximum LTV for flats and apartments 75%.




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FOR INTERMEDIARY USE ONLY.
Product rates and information are valid at the time of print (11-03-2011). LIBOR 0.81% was set on 11th March 2011.
Precise Mortgages is a division of Charter Court Financial Services Limited which is authorised and regulated by the Financial Services Authority.
Registered in England and Wales with company number 06749498. Registered office: 2 Charter Court, Broadlands, Wolverhampton WV10 6TD.                00109

				
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