After 31 October 2004, new personal mortgages are regulated by the Financial Services Authority. Some Buy to Let mortgages may also be regulated if the property is occupied by an immediate family member. You can find out more about mortgage regulation at www.fsa.gov.uk.
Before submitting a mortgage application for a regulated mortgage, we (or your financial adviser) must provide you with a Key Facts Illustration. Based upon the information you provide, this will outline the terms of the mortgage product that you have chosen (or have been recommended by your financial adviser) and for which you are eligible. The Key Facts Illustration is not a Mortgage Offer but it is an important financial document which will enable you to compare our mortgage product with similar products offered by other lenders, for which you may be eligible, in a standard and consistent format. We cannot process a regulated mortgage application from you until you have received and considered a Key Facts Illustration for the mortgage product for which you wish to apply.
If you would like to discuss your particular requirements and obtain a Key Facts Illustration before making a mortgage application please telephone our Underwriting team on 0207 518 4224. We will ask you some questions to ascertain your eligibility for a particular mortgage product and we will send you the Key Facts Illustration.