3.34% Fixed to 30/06/2012

Up to £750,000 75% LTV (Rmg 75%)

Mortgage is Portable, Mortgage is Flexible, Under payments allowed., 10% Overpayments allowed per year.

You can keep this mortgage should you move to a new property. Conditions apply. Full details are available on request.

- Mortgage is an EXCLUSIVE product

All House Purchase products are available for Portability Top-up, subject to: A minimum loan of £3,000, top-ups below £50,000 can only be taken on products without incentives, where applicable product fees are payable regardless of loan size. Please refer to Lender for lending criteria and a KFI.

ALL PRODUCTS ABOVE 75% ARE AVAILABLE ON A CAPITAL & INTEREST BASIS ONLY.

Product only available via internet only.

Please note the Lender now deduct debts from income as follows:

*Maintenance payments with 12 months or more to run.

*Annual cost of loans with 12 months or more to run.

*36% of outstanding credit card balances.

Payment Holidays Allowed. With prior agreement, payment holidays may be allowed at any time providing you have previously built up enough credit through overpayments.

You are able to make overpayments to the sum of 10% of the loan amount on any part of this mortgage in each 12 month period. Overpayments which exceed this will incur an early repayment charge of the percentage specified in Section 10 on the amount of the excess.

If you make an overpayment or lump sum payment then the amount you owe, and so the amount of interest you pay, is reduced immediately. This provides you with benefit immediately.

With prior agreement, reduced monthly payments may be allowed at any time providing you have previously built up enough credit through overpayments.

This mortgage includes a facility for additional secured borrowing. You may be able to apply for additional borrowing following completion of your mortgage, subject to certain conditions being met. This additional borrowing must be repaid in full if your total borrowing is repaid in full. Further information is available on request from Accord.

THIS WILL INCREASE THE AMOUNT OF BORROWING SECURED ON YOUR HOME.

Restrictions apply. Full details are available in factsheet.

Capital Rest Period : Daily

Repayment Yes

Endowment 75% LTV

PEP 75% LTV

Pension 75% LTV

Interest only (no RV) 75% LTV

With Profits 75% LTV

Unit Linked 75% LTV

ISA 75% LTV

Split Repayment Yes

Arrangement : £900 Can be Added

Booking : £95 Upfront

4% of loan to be paid until 30/06/2012, 10% capital repayments allowed per year without penalty

None

Basic:

upto £100,000 - £230

upto £150,000 - £260

upto £200,000 - £290

upto £250,000 - £320

upto £300,000 - £350

upto £400,000 - £410

upto £500,000 - £470

upto £600,000 - £530

upto £700,000 - £590

upto £800,000 - £650

upto £900,000 - £710

upto £1,000,000 - £770

upto £1,200,000 - £890

upto £1,400,000 - £1010

upto £1,600,000 - £1130

upto £1,800,000 - £1250

upto £2,000,000 - £1370

Homebuyers:

upto £100,000 - £405

upto £150,000 - £440

upto £200,000 - £490

upto £250,000 - £540

upto £300,000 - £600

upto £350,000 - £650

upto £400,000 - £700

upto £450,000 - £750

upto £500,000 - £800

upto £550,000 - £850

upto £600,000 - £900

upto £650,000 - £950

upto £700,000 - £1000

upto £750,000 - £1050

upto £800,000 - £1100

upto £850,000 - £1150

upto £900,000 - £1200

upto £950,000 - £1250

upto £1,000,000 - £1300

upto £1,200,000 - £1500

upto £1,400,000 - £1700

upto £1,600,000 - £1900

upto £1,800,000 - £2100

upto £2,000,000 - £2300

Proc fees - please refer to Lender.

For properties valued over £1 million please refer to Lender for valuation fee.

Higher Lending Charge - If payment is added to the loan, income must be sufficient to cover the mortgage and the HLC. If repayment is by endowment, pension or PEP/ISA, then the endowment sum insured, pension tax-free lump sum and life cover for the pension or projected ISA value must be sufficient to cover the HLC as well as the mortgage.

All valuation fees include VAT and an administration charge of £90.

Valuation fees over £2 million please refer to lender.

Mortgage Fee deferred until redemption of the loan.

Higher Lending Charges are calculated on the difference between 75% of the value of your home and the amount you wish to borrow. Added fees will not be included in this calculation.

Lenders Conveyancing Fee - £117.50 Payable on completion. Please note, the figure quoted here is an estimate and only covers part of the costs of the legal work that you might need to pay. Fee payable to your conveyancer.

Land Registry - £0.00 Payable on completion.

CHAPS Fee - £30.00 Payable on completion.

Mortgage Fee - £90.00 Payable on redemption.

Freehold Flat No

Purpose Built Flat Yes

Converted Flat Yes

Flat Over Shop No

Maisonette Yes

Studio Flat No

Flying Freehold Yes

Thatched Refer

Timber Framed No

Concrete No

Agricultural Tie No

Flat Over 4 Storeys Refer

Listed Building Yes

Not Accepted

New Build acceptable. Holiday homes are only available through remortgaging and capital raising against main residence or through an additional loan where the existing mortgage is held with the Lender.

Second homes - pied-a-terre only, up to 75% LTV. (Where a pied a terre is defined as a 2nd home in the city for use during the week as a base for work).

Lender will not lend on flats in blocks exceeding 6 storeys.

Builders offer incentives to purchasers in the form of allowances; cashbacks and deposit paid schemes. These are acceptable to Accord Mortgages subject to:

For Houses & Bungalows: the maximum allowable incentive is 5%. The total of all incentives should never exceed 5%, but this can be made up of a number of different incentives. i.e. 2% deposit plus stamp duty which together equate to 5% of the purchase price.

The minimum purchase price is £75,000 and applicants must also achieve a Superpass score.

For flats and maisonettes: where the builder’s incentive is cashback or deposit paid, this is not acceptable to Accord unless the incentive is deducted from the purchase price to calculate the loan to value.

Maximum 75% LTV for flats

New Build Properties maximum 85% LTV for houses and 75% LTV for flats

Accepted Locations : England, Scotland, Wales, N Ireland

Bank Statements No

At Least 3 Months Pay Slips Yes

P60 Yes

Proof Of Residency Yes

Life Policy To Be Assigned No

Previous Lender References No

Buildings Conditional

Min Loan £30,000/Rmg £30,000

Max Loan £750,000/Rmg £750,000

Max Portfolio of BTL Loans none

Min Age 18 years

Max Age 75 years

Min Term 5 years

Max Term 35 years

ALL PRODUCTS ABOVE 75% ARE AVAILABLE ON A CAPITAL & INTEREST BASIS ONLY.

Foreign citizens accepted if resident in UK for loans up to 75% LTV.

Maximum age over 75% LTV 70 years, under 75% LTV no maximum.

Lending not available on the Isle of Man.

Foreign Citizens Accepted

Ex-Patriates Not Accepted

Based on Income > 0

4 + 4 or 4 joint

Min months in current position none

Min months in continuous service none

Min no. of years accounts 2

Average years taken to calculate income 3

Will consider declining profit No

Employed applicants need to provide the latest payslip if under 75% LTV. If above 75% LTV, 1 payslip from latest 2, and 2 payslips from previous 5 will be required.

Self employed applicants need to provide Accountants letter from a recognised accountant to confirm turnover, Net profits and applicant’s share of profits for the last 3 years or 2 years plus a projection if business established for less than 3 years.

The income multiple information shown is a guide only, ACCORD MORTGAGES WILL ASSESS ALL APPLICATIONS ON AN AFFORDABILITY BASIS. To see how much your client may be able to borrow, please view our affordability calculator at www.accordmortgages.co.uk.

Sustainable bonus - 50%, subject to cumulative figure of overtime & bonus not exceeding the basic income

Sustainable overtime - 50%, subject to cumulative figure of overtime & bonus not exceeding the basic income

Sustainable commission - 50%, subject to the amount not exceeding the basic income

Guaranteed income (allowances, call out payments etc) 100%

Maintenance payments - All payments under CSA or Court Order or Solicitor’s letter can be supplied providing proof of last three payments and the payments have a minimum of two years left to run.

Pay rise - Any increase due within next three months, or next increment if due within 12 months.

Deductions from income:

Regular maintenance payments being made.

36% of outstanding credit card debt and the annualised figure of loan commitments (if not repaid within the year) when calculating income.

Annual cost of other loans with 12 months or more to run.

Accord will allow 100% of all payments for Working Tax Credit, Child Tax Credit and Child Benefit to be counted towards income.

Minimum Income £10000

Hire Purchase Taken into account

Personal Loans Taken into account

Overdraft NOT Taken into account

Credit/Store Cards Taken into account

Child Maintenance Taken into account

Child Education Taken into account

Extra Income:-

Other Income - Guaranteed Add 50% to income before multiply

Other Income - Regular Add 50% to income before multiply

Other Income - Irregular Add 50% to income before multiply

Investment Income Refer to Lender

Mortgage Subsidy Add 100% to income before multiply

Large Town Allowance Add 100% to income before multiply

Maintenance Payments Add 100% to income before multiply

Non Contributory Pension No

Car Allowance Add 100% to income before multiply

Capital Raising 75%

Home Improvements 75%

Debt Consolidation 75%

School Fees 75%

Holidays/Cars 75%

Buy Other Property 75%

Business Purposes Not accepted

Divorce Settlement 75%

Unencumbered 75%

CCJs/Defaults : Accept:

1) Max 1 Defaults to a max of £150.00 unsatisfied. There must be no Defaults in the last 36 months. This condition does not incur any rate loading.

2) Max £500.00 in CCJs unsatisfied. There must be no CCJs in the last 36 months. This condition does not incur any rate loading.

Arrears : Accept:

1) No arrears (paid or unpaid) in the last 12 months. This condition does not incur any rate loading.

Bankruptcy/IVAs : Accept:

1) IVA must be discharged at least 3 years prior to application. This does not incur any rate loading.

2) Bankruptcy must be discharged at least 3 years prior to application. This does not incur any rate loading.

Repossessions : Not accepted.

Max £500 in CCJ's must be registered over 36 months ago and satisfied within 6 months of registration.