Fixed Company Exclusive Product Code Rate Period LTV Cashback HLC Fee Repayment Terms Legal Valuation Min Income Multiples Special Criteria Features Proc Fee Northern Rock  General    3.99  3.99% fixed until 01/01/2010  65%  None    £995  4% until 01/12/2010  No  No  £25,001  Varies depending on income      0.32%   Coventry BS  General  FIX37  6.99%  6.69% Fixed to 31/12/2013  90%  N/A  N/A  £800 arrangement fee £199 booking fee  Early repayment charge 4% until 31/12/2013  No  No  £25,001  Affordability  N/A    0.32%  Discount Company Exclusive Product Code Rate Period LTV Cashback HLC Fee Repayment Terms Legal Valuation Min Income Multiples Special Criteria Features Proc Fee Furness  General  DS065  6.19%  0.75% Lifetime Discount  80%  N/A  N/A  £499  No Early Repayment Charge  N/A  N/A  £25,001  variable depending on LTV  N/A  N/A  0.30%  Norwich & Peterborough  General    6.35%  0.70% Discount for 3 Years  85%  N/A  N/A  £699  No early repayment charge  N/A  N/A  £25,001  Varies depending on loan to value  N/A  N/A  0.25%  Fees Assisted Remortgage Company Exclusive Product Code Rate Period LTV Cashback HLC Fee Repayment Terms Legal Valuation Min Income Multiples Special Criteria Features Proc Fee C&G  General    6.59%  6.59% fixed until 28/02/2014  90%  No  No  £995  early repayment charge 5% until 28/02/2014  Yes on remortgage only  Yes on remortgage only  0  Tiered dependent upon income    10% overpayments allowed  0.30%  B&W  General  ASH  6.75%   Fixed until 31/12/2013  90%  N/A  N/A  1% arrangement fee  5% until 31/12/2013  Free legals fro remortgages  Free valuation for remortgages  £25,001  4.5x or 4 x joint  N/A  N/A  0.30%  BOI  General  UD4  5.99%  Fixed 31/12/2013  90%  N/A  N/A  £995  5% until 31/12/2013  Yes  Yes  £25,001  4.5 + 1 or 4 joint  N/A  10% capital repayments allowed per year without pe  0.35%  Self Certified Company Exclusive Product Code Rate Period LTV Cashback HLC Fee Repayment Terms Legal Valuation Min Income Multiples Special Criteria Features Proc Fee BOI  General  UD7  6.49%  Fixed until 31/12/2011  75% LTV  N/A  N/A  1.5%  5% until 31/12/2011  No  No  £25,001  4.5 + 1 or 4 joint  N/A  N/A  0.47%  BM Solutions  Exclusive  RTS  5.99%  Fixed until 01/02/2011  75%  No  None  3%   2% until 01/02/2011  N/A  N/A  £25001  Affordability  N/A  10% overpayment per annum penalty free  0.36%  Buy To Let Company Exclusive Product Code Rate Period LTV Cashback HLC Fee Repayment Terms Legal Valuation Min Income Multiples Special Criteria Features Proc Fee Natwest  General    6.79%  6.79% Fixed to 31/12/2010  75%  No  None  £1499  Early repayment charge 3% until 31/12/2010  No  No  £25,001   min income of £40,000 for 110% payrate calc   N/A  10% overpayment per annum penalty free  0.50%  BM Solutions  Exclusive  CZX  5.69%  Fixed until 01/02/2011  75%  No  None  3%   3% until 01/02/2011  No  No  £25,000  Affordability  Purely based on self cert income  N/A  0.36%  BM Solutions  Exclusive  GAN  5.99%  Fixed until 01/02/2011  75%  N/A  N/A  3%  2% until 01/02/2011  N/A  N/A  £25,001  Affordability    Based upon verified income  0.46%  Near Prime Company Exclusive Product Code Rate Period LTV Cashback HLC Fee Repayment Terms Legal Valuation Min Income Multiples Special Criteria Features Proc Fee BM Solutions  Exclusive  VVB  8.04%  Fixed until 01/02/2011  75%  No  No  2%  2% until 01/02/2011  No  No  £25,001  Affordability  Packaged via Mortgage Next  £500 CCJ's 0 in 6, 1arrears in 12 month (0 in3)  0.56%  Beacon Home Loans  General  NP65  6.8%  6.8% 2 year Libor Discount  65%  No  N/A  2%   Early Repayment Charge 7% for 2 years  No  No  £25001  Affordability    CCJ's 0/24 months, Arrears 0/12, Defaults Ignored  0.75%  Light Adverse Company Exclusive Product Code Rate Period LTV Cashback HLC Fee Repayment Terms Legal Valuation Min Income Multiples Special Criteria Features Proc Fee First Nat  General  L2M  11.44%  11.44% 3 year discount  75%  No  No  £2995  Early repayment charge of 7% year 1, 6% year 2 & 3  No  No  £25001  Based upon affordability calculation    CCJ's 3 in 24, arrears 2 in 12 (1 in 3)  1.00%  Heavy Adverse Company Exclusive Product Code Rate Period LTV Cashback HLC Fee Repayment Terms Legal Valuation Min Income Multiples Special Criteria Features Proc Fee BM Solutions  General  VUV Mortgage Next Packaging  7.99%  7.99% 3 year tracker   75%  N/A  N/A  1.5% of loan  early repayment charge of 2% for 3 yrs  No  No  £25,001  Affordability   IVA Satisfied or well conducted,   £10,000 CCJ (0 in 3), arrears 6 in 12 (0 in 3)  0.91%  Right To Buy Company Exclusive Product Code Rate Period LTV Cashback HLC Fee Repayment Terms Legal Valuation Min Income Multiples Special Criteria Features Proc Fee Abbey Nat  General  F727R  5.74%  5.74% Fixed to 02/01/2011  60% LTV Remortgage only      £995  Early repayment charge 3% until 02/01/2011  Yes on remortgage only  Yes on remortgage only    Varies depending on income      0.33%  Tracker Company Exclusive Product Code Rate Period LTV Cashback HLC Fee Repayment Terms Legal Valuation Min Income Multiples Special Criteria Features Proc Fee Nationwide  General    5.28%  5.28% 2 year tracker  75%  N/A  N/A  £1999  5% for 2 years   Yes on remortgage only  Yes on remortgage only  No  4.1 x single / joint  N/A  N/A  0.34%  Unlimited Company Exclusive Product Code Rate Period LTV Cashback HLC Fee Repayment Terms Legal Valuation Min Income Multiples Special Criteria Features Proc Fee BM Solutions  General  VUW  8.49%   8.49% 3 year tracker  75%  No  None  1.5%  early repayment charge of 2% for 3 years  No  No  £25,000  Affordability calculator  N/A  Unlimited arrears and CCJs (none in last 3 months)  0.91%  Please Note: If you have any potential cases you wish to discuss please contact DA Partners on 0845 130 0609 (Option 1 for new business). All products and rates should be checked for availability before submitting business. For use by professional financial advisers and not for use by the general public. Individual products are to be read in conjunction with the lenders product guide and Standard Lending Terms. Mortgage Next cannot accept responsibility for error or omission.