ONLINE MORTGAGE SERVICE. Provided by Scottish Widows Bank HINTS & TIPS
|
|
- Rosanna Joseph
- 6 years ago
- Views:
Transcription
1 ONLINE MORTGAGE SERVICE Provided by Scottish Widows Bank HINTS & TIPS
2 PAGE 1 INTRODUCTION PAGE 2 SECTION 1: LOGGING IN PAGE 3 SECTION 2: CREATING A NEW MORTGAGE ILLUSTRATION, DIP OR FULL APPLICATION PAGE 4 SECTION 3: COMMON ISSUES (HINTS & TIPS FOR KEYING) PAGE 13 SECTION 4: SUBMITTING THE FULL APPLICATION
3 INTRODUCTION THESE GUIDANCE NOTES ARE DESIGNED TO ASSIST INTERMEDIARIES WHEN USING OUR ONLINE MORTGAGE SERVICE TO APPLY FOR A MORTGAGE. THE SCREENSHOTS PROVIDED DO NOT COVER THE FULL END TO END PROCESS; FOR MORE DETAILED GUIDANCE REFER TO THE ONLINE MORTGAGE SERVICE USER GUIDE (49837) AVAILABLE ON OUR INTERMEDIARY WEBSITE. WE RE ALWAYS TRYING TO KEEP OUR PROCESSES AS SIMPLE AND STRAIGHTFORWARD AS POSSIBLE. IF YOU THINK WE VE MISSED ANYTHING, OR REQUIRE FURTHER ASSISTANCE, PLEASE CONTACT YOUR BDM. FIND YOUR BUSINESS DEVELOPMENT MANAGER Mortgage Sales team: Support Team:
4 SECTION 1: LOGGING IN (via The web address above takes you to the login screen as shown in Fig. 1, requesting your User ID & Password If you don t know your User ID or Password, or have any difficulties logging in, contact our support team on For any criteria or general enquiries contact your BDM or the Mortgage Sales team on Figure 1 2
5 SECTION 2: CREATING A NEW MORTGAGE ILLUSTRATION, DIP OR FULL APPLICATION 2.1. Once you re logged in you ll be directed to the screen as shown in Fig. 2. At this point you have three options to start a new application: New Mortgage Illustration Choose this option if you re looking to produce more than one quote, or you only require the Mortgage Illustration for now. If you produce more than one quote you ll have the option to select which quote to progress to DIP stage. New DIP Choose this option if you want an initial decision for a new application. You ll go through the Mortgage Illustration process first, then once the DIP has been submitted you can progress to a full application if it hasn t been declined. Apply online for a mortgage Use this option to immediately submit a full application. You ll go through the DIP stage first and if the DIP is declined you won t be able to go any further. Figure 2 3
6 SECTION 3: COMMON ISSUES (HINTS & TIPS FOR KEYING) 3.1. Mortgage Illustration stage: Remortgages: At Mortgage Purpose (see Fig. 3.) if you re applying for a Remortgage for an unencumbered property, this type of application must be submitted by phone via our Mortgage Sales team. Call Figure 3 4
7 3.2. SWB Switching package For remortgages, a common question missed is Does your client intend to use our remortgage package? (see Fig.4.). Please select Yes if you intend to use our switching package (free valuation and legal services, subject to restrictions). If there s not currently a mortgage on the property the remortgage package is unavailable and the application must be submitted by phone please contact our mortgage sales team on Figure 4 5
8 3.3. Selecting the Business Channel At this stage your business channel defaults to Firm selection, as shown in Fig If you ve registered through a Network or Club and want the proc fee to be paid via them, you must select the appropriate Network or Club at this stage (see Fig. 5.2). Figure 5.1 If your Network or Club isn t showing contact our support team on Figure 5.2 6
9 3.4. DIP Stage (self employed applicants) Current Employment details For self employed applicants, the first question on the Current Employment screen is If your client has a shareholding, what percentage do they hold (if not applicable please enter 0 )? (as shown in Fig. 6.). Where the applicant is a Sole Trader or Sole Director of Ltd Co, key the Shareholding as 100%. The company profit and applicant s income should be keyed as exactly the same figure shown on the SA302s/Verified accounts. Where the applicant holds less than 100% shareholding (e.g. Ltd Co or Partnership/LLP), the exact percentage shareholding should be keyed. The full Company profit (including retained profit) and the applicant s income (salary & dividends) should be input. The system will then determine the percentage of company profit available to the client from the shareholding keyed. Figure 6 7
10 3.5. How long has the business been established? This question is referring to how long the client has been a part of the business. For example, the business has been operating for ten years but the client joined and became a partner two years ago, we would expect two years to be keyed When keying the three years income, this must be in ascending order e.g. 2012, 2013, 2014 (as shown in Fig. 7.). Figure Current Financial Commitments When keying the applicant s current commitments please ensure the correct question and dropdown option has been selected for each (examples in Fig. 8.1, 8.2 and 8.3). Inputting the correct details and amounts increases the accuracy of the credit report and reduces our need to request further information. Figure 8.1 8
11 Figure 8.2 Figure 8.3 9
12 3.8. Mortgage Commitments Please key any existing residential mortgage(s) that the applicant is currently named on, even if the property will be sold prior to completion. If the existing property is converting to a Buy to Let, please key as shown in Fig. 9., with the existing residential marked as being sold prior to completion and then key as an existing Buy to Let with the new rental income. Figure 9 10
13 3.9. Lending into Retirement Affordability Data Applicants working beyond state retirement age If the planned retirement age is beyond the applicant s state retirement age, answer No to the question, If necessary and subject to them having sufficient income to do so. If the term of the mortgage extends beyond state retirement age For example, if the applicant takes a 25 year mortgage term, which will complete at age 70, and the state retirement for the applicant is 66 but the planned retirement is aged 70, this should be keyed as shown in Fig Where the planned retirement age is the same as state retirement age or before, and the mortgage term extends beyond this, you must answer Yes and confirm the subsequent source of income in retirement, as shown in Fig Figure 10.1 Figure
14 3.10. Submitting the DIP Once the DIP has been submitted there are a number of outcomes that can be given. Accept From the information keyed the system has determined that the DIP can proceed to full application. DIP Refer Pend From the information keyed the system has determined the DIP can proceed to full application but with conditions to be reviewed at full app stage. DIP Decline From the information keyed the system has determined the DIP doesn t meet our criteria and cannot proceed to full application all declines are reviewed by a Credit Manager. For up to date turnaround times or just to confirm everything has been keyed correctly please contact the Mortgage Sales team on , or your BDM. Proceeding to Full Application All DIPs are valid for three months subject to any rate or criteria changes. To move a previously keyed DIP to Full Application select DIP/Application search and key in the reference number or applicant s name to continue with stage two (Full Application). (Fig. 11.). Figure 11 12
15 SECTION 4: SUBMITTING THE FULL APPLICATION When you submit the Full Application the information keyed will determine the documents that we require. In most cases we ll require the most recent bank statement, three months payslips and/or three years SA302s or verified Accounts, along with a completed Direct Debit Mandate. Further documentation may be required once the underwriter s initial assessment has been completed. To check our current timescales please contact your BDM. All certified and supporting documentation should be ed to mortgageadmin@scottishwidows.co.uk 4.1. Printing a copy of your application Once the Full Application has been submitted you only have one opportunity to print off a copy of the application. This is clearly displayed onscreen as shown in Fig. 12. Figure 12 13
16 Copies of our literature can be provided in large print or in Braille and additional assistance is available to any customer upon request. If you have any special requirements please contact our customer service team on Scottish Widows Bank is a trading name of Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales, no Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number /17
WELCOME TO INTERNET BANKING. Provided by Scottish Widows Bank
WELCOME TO INTERNET BANKING Provided by Scottish Widows Bank INTRODUCTION INTERNET BANKING PUTS YOU IN CONTROL OF YOUR BANKING BY GIVING YOU THE FLEXIBILITY TO ACCESS YOUR SCOTTISH WIDOWS BANK SAVINGS
More informationYOUR INTEREST ONLY MORTGAGE DIFFERENT METHODS OF REPAYING YOUR MORTGAGE. Provided by Scottish Widows Bank
YOUR INTEREST ONLY MORTGAGE Provided by Scottish Widows Bank DIFFERENT METHODS OF REPAYING YOUR MORTGAGE DIFFERENT METHODS OF REPAYING YOUR MORTGAGE INTEREST ONLY An interest only mortgage means that the
More informationONLINE MORTGAGE SERVICE USER GUIDE. Provided by Scottish Widows Bank. This material is for use by UK intermediaries only
ONLINE MORTGAGE SERVICE Provided by Scottish Widows Bank USER GUIDE This material is for use by UK intermediaries only INTRODUCTION WELCOME TO SCOTTISH WIDOWS BANK. OUR ONLINE MORTGAGE SERVICE OFFERS YOU
More informationOFFSETTING PROVIDED BY SCOTTISH WIDOWS BANK
OFFSETTING PROVIDED BY SCOTTISH WIDOWS BANK HOW OFFSET WORKS The way our offset mortgage facility works is simple. A savings account (called an Offset Saver Account) has now been set up alongside your
More informationMORTGAGE PRODUCT TRANSFER SERVICE
MORTGAGE PRODUCT TRANSFER SERVICE Everything you need to know about using our service WELCOME Thank you for choosing to use our product transfer service. When it comes to renewing a customer s mortgage,
More informationGuidance notes for keying Residential Buy-to-Let property under limited company structure. Enquiry
Guidance notes for keying Residential Buy-to-Let property under limited company structure Enquiry A step-by-step guide We know that submitting cases can sometimes seem complicated and time-consuming (especially
More informationSCOTTISH WIDOWS BANK WHO DOES OFFSET ADD UP FOR?
SCOTTISH WIDOWS BANK WHO DOES OFFSET ADD UP FOR? OFFSET MORTGAGES Offset Mortgages are a suitable option for more of your clients than you might think. The three brief examples shown here are just an idea
More informationApplication Portal Guide
Application Portal Guide June 2018 Login email johnsmith@email.co.uk password ******** Call 03333 701 101 or visit www.pepper.money to discover more. Aimed at Professional intermediaries only; not for
More informationEMPLOYEE APPLICATION FORM LOCAL AUTHORITY AVC FOR OFFICE USE ONLY. Agency Number. Referral Type. Introducer Code. Vantive Lead ID
EMPLOYEE APPLICATION FORM LOCAL AUTHORITY AVC Agency Number FOR OFFICE USE ONLY Referral Type Vantive Lead ID Introducer Code (if different from above) Campaign Code SB Code S B Branch Sort Code Please
More informationLIFE INSURANCE. Protecting what matters most
LIFE INSURANCE Protecting what matters most Helping to protect you and your loved ones If you died or were diagnosed with a critical illness and didn t have any life insurance in place, could you and
More informationBuy to Let Product Guide
Buy to Let Product Guide March 018 New look products and guide Rates starting from 3.13% Portfolio landlords still considered Interesting case? We re interested. TO LET Call 03333 701 101 or visit www.pepper.money
More informationSCOTTISH WIDOWS GROUP PERSONAL PENSION PLAN EXAMPLE ILLUSTRATIONS
SCOTTISH WIDOWS GROUP PERSONAL PENSION PLAN EXAMPLE ILLUSTRATIONS THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS, TO GIVE YOU THIS IMPORTANT INFORMATION
More informationSCOTTISH WIDOWS GROUP PERSONAL PENSION/ GROUP STAKEHOLDER PENSION EXAMPLE ILLUSTRATIONS TRANSFERS
SCOTTISH WIDOWS GROUP PERSONAL PENSION/ GROUP STAKEHOLDER PENSION EXAMPLE ILLUSTRATIONS TRANSFERS THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS, TO
More informationHOW TO MANAGE YOUR PENSION ONLINE ALL YOU NEED TO KNOW ABOUT ONLINE MEMBER SERVICES
HOW TO MANAGE YOUR PENSION ONLINE ALL YOU NEED TO KNOW ABOUT ONLINE MEMBER SERVICES PUTTING THE PERSONAL TOUCH INTO CORPORATE PENSIONS PAGE 1 4 REASONS TO MAKE THE MOST OF SCOTTISH WIDOWS MEMBER SERVICES
More informationRETIREMENT ACCOUNT. This information is for UK financial adviser use only and should not be distributed to or relied upon by any other person.
RETIREMENT ACCOUNT We ve been continually enhancing our Retirement Account digital services, making it even easier for you to do business with us online This information is for UK financial adviser use
More informationADVISERS GUIDE TO END STATE SWITCHING
RETIREMENT ACCOUNT ADVISERS GUIDE TO END STATE SWITCHING This information is for UK financial adviser use only and should not be distributed to or relied upon by another person. THE RETIREMENT ACCOUNT
More informationPost Office Family Link. I struggled to save for a deposit, but thanks to mum and dad it wasn t a problem. Brilliant.
I struggled to save for a deposit, but thanks to mum and dad it wasn t a problem. Brilliant. Post Office Family Link Finally something for your first time buyers to smile about. Supporting materials To
More informationSHOPPING AROUND YOU SHOP AROUND FOR YOUR INSURANCE, WHY NOT YOUR INCOME IN RETIREMENT?
SHOPPING AROUND YOU SHOP AROUND FOR YOUR INSURANCE, WHY NOT YOUR INCOME IN RETIREMENT? WHAT DOES SHOPPING AROUND MEAN? The money you ve saved in your pension, or pension pot, is intended to help support
More informationA GUIDE TO OFFSETTING
A GUIDE TO OFFSETTING INTRODUCING OFFSET With Scottish Widows Bank s Flexible and Professional Mortgages, our offset facility is available on all variable and some fixed rate products. If you decide to
More informationRETIREMENT ACCOUNT TRANSFERRING SCHEME DETAILS (ONLINE ADVISED TRANSFERS INTO RETIREMENT PLANNING)
RETIREMENT ACCOUNT TRANSFERRING SCHEME DETAILS (ONLINE ADVISED TRANSFERS INTO RETIREMENT PLANNING) Scottish Widows will only accept transfers where financial advice has been given. Warning: You must not
More informationMORTGAGE LENDING GUIDE. This information is for UK mortgage adviser use only and should not be distributed to or relied upon by any other person.
MORTGAGE LENDING GUIDE This information is for UK mortgage adviser use only and should not be distributed to or relied upon by any other person. SCOTTISH WIDOWS BANK CONTACT LIST Intermediary Support Team
More informationKEY FEATURES OF RELEVANT LIFE COVER SCOTTISH WIDOWS PROTECT. Important information you need to read
KEY FEATURES OF RELEVANT LIFE COVER SCOTTISH WIDOWS PROTECT Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS, TO
More informationHOW TO MANAGE YOUR PENSION ONLINE ALL YOU NEED TO KNOW ABOUT ONLINE MEMBER SERVICES
HOW TO MANAGE YOUR PENSION ONLINE ALL YOU NEED TO KNOW ABOUT ONLINE MEMBER SERVICES PUTTING THE PERSONAL TOUCH INTO CORPORATE PENSIONS PAGE 1 4 REASONS TO MAKE THE MOST OF SCOTTISH WIDOWS MEMBER SERVICES
More informationBuy to Let Product Guide
Buy to Let Product Guide March 018 Enhanced self-employed proposition Rates starting from 3.13% Portfolio landlords accepted Interesting case? We re interested. TO LET Call 03333 701 101 or visit www.pepper.money
More informationJOINT AND SEVERAL LIABILITY. Partnership responsibilities
JOINT AND SEVERAL LIABILITY Partnership responsibilities June 2016 Contents Why do I need to know about it? 1 What does Joint and Several Liability mean? 1 How do we open a partnership account? 2 How does
More informationEMPLOYER AND ADVISER GUIDE
SALARY EXCHANGE EMPLOYER AND ADVISER GUIDE This material is for use by UK Financial Advisers and Employers only. It is not intended for onward transmission to private customers and should not be relied
More informationHOW TO MANAGE YOUR PENSION ONLINE ALL YOU NEED TO KNOW ABOUT ONLINE MEMBER SERVICES AND DETAILS OF HOW TO SWITCH FUNDS ONLINE
HOW TO MANAGE YOUR PENSION ONLINE ALL YOU NEED TO KNOW ABOUT ONLINE MEMBER SERVICES AND DETAILS OF HOW TO SWITCH FUNDS ONLINE PUTTING THE PERSONAL TOUCH INTO CORPORATE PENSIONS PAGE 1 ONLINE MEMBER SERVICES
More informationKEY FEATURES OF THE INSTITUTIONAL INVESTMENT BOND. Important information you need to read
KEY FEATURES OF THE INSTITUTIONAL INVESTMENT BOND Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS, TO GIVE YOU
More informationSwitching current account
Switching current account When you ve chosen your current account it s good to know switching is stress-free. Transfer everything safely and securely in 7 working days. Joining us Contents The switching
More informationBuy to Let Product Guide
Buy to Let Product Guide June 018 Rates refreshed with some slashed by up to 0.60% Rates starting from.95% Completion fee reduced to 1% on all year fixed rates Interesting case? We re interested. TO LET
More informationNON-PORTFOLIO APPLICATION USER GUIDE
Buy-to-let mortgages - Non-portfolio NON-PORTFOLIO APPLICATION USER GUIDE July 2018 About Paragon Paragon offer a range of of non-portfolio buy-to-let mortgages aimed at landlords with small portfolios.
More informationAegon Platform - Managing adviser charges
Aegon Platform - Managing adviser charges This information is for intermediaries only. It mustn t be distributed to, or relied on by, customers. The screens shown are for demonstration purposes only. They
More informationKey Features of the Stakeholder Pension Plan
INVESTMENTS Key Features of the Stakeholder Pension Plan For plans started after 24th July 2005 Provided by Halifax Financial Services (Halifax) This Key Features document explains the main points of your
More informationGroup Personal Pension Plan/Group Stakeholder Pension Plan Example Illustrations
Group Personal Pension Plan/Group Stakeholder Pension Plan Example Illustrations The Financial Conduct Authority is a financial services regulator. It requires us, Clerical Medical, to give you this important
More informationINDIVIDUAL STAKEHOLDER PENSION PLAN TRANSFER APPLICATION FORM FOR OFFICE USE ONLY. Campaign Code. Agency Code
INDIVIDUAL STAKEHOLDER PENSION PLAN TRANSFER APPLICATION FORM Campaign Code FOR OFFICE USE ONLY Agency Code IMPORTANT INFORMATION Warning: You must not make false statements when filling in this application;
More informationOVERVIEW. 1.3 New beneficiary account. 1.1 Introduction. 1.4 Search. 1.2 Account Management home page. 1.5 Import beneficiaries. 1.6 Field description
ACCOUNT MANAGEMENT Contents 1. Overview 1 1.1 Introduction 1 1.2 Account Management home page 1 1.3 New beneficiary account 1 1.4 Search 1 1.5 Import beneficiaries 1 1.6 Field description 1 1.7 Actions
More informationRETIREMENT ACCOUNT YOUR GUIDE. Supporting you to and through retirement
RETIREMENT ACCOUNT YOUR GUIDE Supporting you to and through retirement PAGE 3 CHOOSING SCOTTISH WIDOWS PAGE 4 CHOOSING RETIREMENT ACCOUNT PAGE 5 OVERVIEW RETIREMENT ACCOUNT AND FEATURES PAGE 6 WHAT MAKES
More informationOUR APPROACH TO INDUCEMENTS. Under Markets in Financial Instruments Directive II (MiFID II)
OUR APPROACH TO INDUCEMENTS Under Markets in Financial Instruments Directive II (MiFID II) This document has been written for third party European Economic Area (EEA) investment firms, such as Investment
More informationTo find out more, contact your Business Development Manager or Call Click intermediary.tsb.co.uk
To find out more, contact your Business Development Manager or Call 0345 307 3355 Click intermediary.tsb.co.uk FOR MORTGAGE PROFESSIONAL AND INTERMEDIARY USE ONLY. NOT FOR PUBLIC DISTRIBUTION. If you d
More informationCOMBINE YOUR PENSIONS
COMBINE YOUR PENSIONS PAGE 1 INTRODUCTION PAGE 2 WHY COMBINE MY PENSIONS WITH SCOTTISH WIDOWS? PAGE 3 ARE THERE ANY PENSIONS THAT CAN T BE COMBINED? PAGE 4 THINGS TO CONSIDER PAGE 8 USE ILLUSTRATIONS PAGE
More informationApplication user guide
Buy-to-let mortgages - Portfolio JULY 2017 Application user guide Portfolio 0345 849 4040 0345 849 4041 btlenquiries@paragonbank.co.uk www.paragonbank.co.uk About Paragon Paragon offers innovative buy-to-let
More informationCHANGE OF EMPLOYMENT FORM APPROPRIATE PERSONAL PENSION SCHEME/ PERSONAL PENSION SCHEME
CHANGE OF EMPLOYMENT FORM APPROPRIATE PERSONAL PENSION SCHEME/ PERSONAL PENSION SCHEME SW Policy No. THIS FORM SHOULD BE COMPLETED IF YOU ARE A MEMBER OF THE SCOTTISH WIDOWS APPROPRIATE PERSONAL PENSION
More informationApplication user guide
Buy-to-let mortgages - Non-portfolio JULY 2017 Application user guide Non-portfolio www.paragonbank.co.uk About Paragon Paragon offer a range of of non-portfolio buy-to-let mortgages aimed at landlords
More informationGuide to managing your workforce
For scheme administrators Guide to managing your workforce For schemes using contractual enrolment Workplace pensions CONTENTS Introduction... 4 View workforce... 4 Searching and filtering... 4 Identifying
More informationINSTANT SAVER 2 ACCOUNT
INSTANT SAVER 2 ACCOUNT Provided by Scottish Widows Bank SUMMARY BOX PLEASE READ THIS SUMMARY BOX BEFORE YOU COMPLETE THE APPLICATION AND THEN KEEP IT FOR YOUR RECORDS. DON T RETURN IT WITH THE APPLICATION.
More informationFURTHER ADVANCE APPLICATION FORM. This form is to be completed by a mortgage intermediary and signed by the applicant(s).
FURTHER ADVANCE APPLICATION FORM This form is to be completed by a mortgage intermediary and signed by the applicant(s). Existing Mortgage Account number: IFA INFORMATION First Name Surname Date of Birth
More informationMortgage Terms and Conditions (T&Cs)
Mortgage Terms and Conditions (T&Cs) Banking with Atom is straightforward, so we ve split our T&Cs into three manageable chunks: General T&Cs; Product T&Cs; and product specific documents, based on the
More informationResidential Mortgages Product Guide
Residential Mortgages Product Guide Valid from 29 May 2018 In Focus NEW: Remortgages now available up to 90% LTV Extended credit criteria, for applicants who don t qualify for our Standard Level 1 products,
More informationImportant Information
Important Information Your AA Loan Agreement explained Your proposed AA Loan Agreement is regulated by the Financial Services and Markets Act 2000 and by the Consumer Credit Act 1974, (the Acts ). The
More informationA guide to Debt Management Plans (DMPs)
guide to Debt Management Plans (DMPs) What is a DMP? debt management plan is a non-legally binding agreement between your customer and their creditors to repay their debts. Regular payments are made to
More informationResidential Product Guide
Residential Product Guide March 018 Now with even greater flexibility for your clients with adverse credit Rates starting from.38% And Debt Management Plan range available now FOR SALE Interesting case?
More informationKEY FEATURES OF THE SELF-INVESTED PERSONAL PENSION (SIPP) FOR INCOME DRAWDOWN OR PHASED RETIREMENT. Important information you need to read
KEY FEATURES OF THE SELF-INVESTED PERSONAL PENSION (SIPP) FOR INCOME DRAWDOWN OR PHASED RETIREMENT Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR.
More informationProvided by Scottish Widows Bank SUMMARY BOX SUMMARY BOX. The interest rate is variable. The current rate is shown in the table below.
E-CASH ISA 3 Provided by Scottish Widows Bank SUMMARY BOX PLEASE READ THIS SUMMARY BOX BEFORE YOU COMPLETE THE APPLICATION AND THEN KEEP IT FOR YOUR RECORDS. DON T RETURN IT WITH THE APPLICATION. This
More informationMortgage Terms and Conditions (T&Cs)
Mortgage Terms and Conditions (T&Cs) Mortgage T&Cs_v1.3_16-03-18 GENERAL INFO Our agreement When you have a mortgage with Atom, the Agreement between us consists of: Your mortgage application; Our App
More informationPorting Application Guide
NFI ONLINE Porting Application Guide For intermediary use only This guide will assist you with keying a Porting application on NFI Online and producing a KFI. Note: The following Porting Application Types
More informationGuide to making contributions
For scheme administrators Guide to making contributions For employers not using our system to assess workers Workplace pensions CONTENTS Introduction... 4 The make a contribution screen... 6 1.1 Import
More informationSubmitting a product transfer
INTERMEDIARIES & INVESTMENT PROFESSIONALS ONLY: NOT FOR PUBLIC DISTRIBUTION Submitting a product transfer Online mortgage transfer service user guide January 2018 Contents This guide shows you how to submit
More informationGROUP PERSONAL PENSION APPLICATION FORM. Member
GROUP PERSONAL PENSION APPLICATION FORM Member Policy number: (Internal use only) This form is for individuals who wish to apply for a Group Personal Pension plan. Please read the Key Features and product
More informationPENSION VERSUS ISA FOR RETIREMENT
RETIREMENT ACCOUNT PENSION VERSUS ISA FOR RETIREMENT This information is for UK Financial Adviser use only and should not be distributed to or relied upon by any other person. PENSIONS AND INCOME DRAWDOWN
More informationHOW TO REVIEW PANELS ON COMMERCIAL BANKING ONLINE. Getting ready for Commercial Banking Online
HOW TO REVIEW PANELS ON COMMERCIAL BANKING ONLINE Getting ready for Commercial Banking Online Payment Approvals with Panels In Commercial Banking Online, Panels are used to make Payment Approvals. A Panel
More informationLimited product range? It s just not us.
Limited product range? It s just not us. This information is for use by FCA authorised intermediaries only and must not be distributed to potential borrowers. We believe in making life easier for our brokers,
More informationPayments & Cash Management
Your LloydsLink online application for Payments & Cash Management Guidance notes Please complete and return this form, by first class post, to your Customer Manager or Relationship Manager. If you have
More informationLOOKING AFTER YOUR INVESTMENT PORTFOLIO BOND
INVESTMENT PORTFOLIO BOND LOOKING AFTER YOUR INVESTMENT PORTFOLIO BOND In choosing our Investment Portfolio Bond you have made a large financial commitment. This booklet contains important information
More informationYOUR GUIDE TO RETIREMENT SAVINGS
YOUR GUIDE TO RETIREMENT SAVINGS CONTENTS PAGE 3 WHAT IS THE SCOTTISH WIDOWS RETIREMENT SAVER (THE PLAN)? PAGE 4 CAN I RELY ON THE STATE ALONE? WHAT ARE MY ALTERNATIVES? PAGE 5 HOW DO I JOIN? WHAT ARE
More informationLIFESTYLE SWITCHING YOUR GUIDE
LIFESTYLE SWITCHING YOUR GUIDE WHAT IS IT? LIFESTYLE SWITCHING INVOLVES SWITCHING FROM EXISTING FUNDS AND MAKING FUTURE PAYMENTS TO A DIFFERENT FUND OR FUNDS WITHIN YOUR PENSION PLAN AT PRESET TIMES PRIOR
More informationADDITIONAL VOLUNTARY CONTRIBUTIONS. Putting the personal touch into Corporate Pensions
LOCAL AUTHORITY EMPLOYEE PACK ADDITIONAL VOLUNTARY CONTRIBUTIONS Putting the personal touch into Corporate Pensions Your Worcestershire County Council company pension is provided by. ADDITIONAL VOLUNTARY
More informationResidential Product Guide
Residential Product Guide June 018 Now with even greater flexibility for your clients with adverse credit Rates starting from.38% Fresh criteria for day rate contractors across all products FOR SALE Interesting
More informationKEY FEATURES OF THE STAKEHOLDER PENSION PLAN. Important information you need to read
KEY FEATURES OF THE STAKEHOLDER PENSION PLAN Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS, TO GIVE YOU THIS
More informationAll our mortgages. Exclusive 65% LTV 5 Year Fixed Rate at 1.98% Issue 150 valid from
All our mortgages Exclusive 65% LTV 5 Year Fixed Rate at 1.98% Issue 150 valid from 23.10.18 What s changed? On Tuesday 23 October we made changes to selected residential products. Intermediary Exclusive
More informationPERSONAL PENSION (TOP UP PLAN) APPLICATION FORM
PERSONAL PENSION (TOP UP PLAN) APPLICATION FORM CHECKLIST TO BE COMPLETED BY YOUR FINANCIAL ADVISER Have you fully completed your company details on page 2? Yes No Have you completed and enclosed a separate
More informationPERSONAL PENSION (TOP UP PLAN) APPLICATION TO INCREASE CONTRIBUTIONS FOR OFFICE USE ONLY. Agency Number
PERSONAL PENSION (TOP UP PLAN) APPLICATION TO INCREASE CONTRIBUTIONS Agency Number FOR OFFICE USE ONLY Arranged by: Application to increase contributions Did your adviser give you advice in respect of
More informationSCOTTISH WIDOWS ENHANCED ANNUITY HOW COULD YOU MAKE MORE OF YOUR RETIREMENT INCOME?
SCOTTISH WIDOWS ENHANCED ANNUITY HOW COULD YOU MAKE MORE OF YOUR RETIREMENT INCOME? PAGE 1 HOW COULD YOU MAKE MORE OF YOUR RETIREMENT INCOME? PAGE 2 CAN YOU GET MORE INCOME FROM YOUR ANNUITY? PAGE 3 ARE
More informationPERSONAL PENSION PLUS TRANSFER APPLICATION FORM. For post 30 June 1988 plans only
PERSONAL PENSION PLUS TRANSFER APPLICATION FORM For post 30 June 1988 plans only Warning: You must not make false statements when filling in this application; it is a serious offence. The penalties are
More informationINVESTMENT PORTFOLIO BOND APPLICATION FORM. Supplementary lives assured and/or applicants form (for individual applicants only)
INVESTMENT PORTFOLIO BOND APPLICATION FORM Supplementary lives assured and/or applicants form (for individual applicants only) This declaration is supplementary to the Investment Portfolio Bond application
More informationACCOUNT CHARGES. Your account charges explained
ACCOUNT CHARGES Your account charges explained June 2017 Account charges To put your business in greater control we d like to fully explain your business banking fees. Here we ll outline how our charges
More informationGetting started on day one. The essentials
Getting started on day one The essentials 1 GETTING STARTED We re phasing the migration to our new platform and initially going live with selected advisers who have a number of clients with ISA/GIA and
More informationResidential Product Guide
Residential Product Guide November 018 Rates starting from.17% NEW! We've simplified our criteria across all tiers Debt Management Plans accepted - rates starting from 3.48% FOR SALE Interesting case?
More informationMortgages. A mortgage from the Scottish. Opens lots of new doors
Mortgages A mortgage from the Scottish Opens lots of new doors Moving home made easy In branch experts Whether you re an existing customer or you re new to the Scottish, we value your business and we aim
More informationONLY FOR USE BY MORTGAGE INTERMEDIARIES. Intermediary Partners Lending guide
ONLY FOR USE BY MORTGAGE INTERMEDIARIES Intermediary Partners Lending guide Contents Proc fees Page 3 Helping your customers to apply Affordability Page 4 Acceptable income types Page 4 Self-employed Page
More informationSCOTTISH WIDOWS ENHANCED ANNUITY GUIDE FOR INTERMEDIARIES
SCOTTISH WIDOWS ENHANCED ANNUITY GUIDE FOR INTERMEDIARIES This information is for UK financial adviser use only and should not be distributed to or relied upon by any other person. Scottish Widows Enhanced
More informationPENSION PLANNING FOR HIGH EARNERS: A GUIDE TO INCOME DEFINITIONS
PENSION PLANNING FOR HIGH EARNERS: A GUIDE TO INCOME DEFINITIONS ADVISING HIGH INCOME INDIVIDUALS Here are two figures that high income individuals might be particularly interested in: 100,000 The personal
More informationChoosing investment funds Lifestyle Investment Programmes
Choosing investment funds Lifestyle Investment Programmes Contents 1 Introduction Lifestyle investment programmes How do these programmes work? 5 Why the Retirement Protection Fund and the Halifax Fund?
More informationNAVIGATING YOUR PLAN ONLINE. A guide to our online service. Pensions
NAVIGATING YOUR PLAN ONLINE A guide to our online service Pensions INTRODUCTION We ve designed our online service to give you easy and secure access to your pension plan with Royal London. You can keep
More informationALL OUR MORTGAGES BTL 2 YEAR FIXED RATE AVAILABLE FROM 1.49% ISSUE 130 VALID FROM
ALL OUR MORTGAGES ISSUE 130 VALID FROM 28.11.17 BTL 2 YEAR FIXED RATE AVAILABLE FROM 1.49% For professional intermediary use only. This description of Virgin Money s mortgages is directed at professional
More informationPENSION PLANNING FOR THE SELF-EMPLOYED
PENSION PLANNING FOR THE SELF-EMPLOYED THE RECENT TAYLOR REVIEW DELIVERED A SET OF STARK STATISTICS ABOUT HOW FEW SELF-EMPLOYED PEOPLE ARE SAVING FOR THEIR RETIREMENT As there are more than 4.8 million
More informationThe answer s yes your indispensable guide to securing a mortgage
The answer s yes your indispensable guide to securing a mortgage Hello from HOOCHT These days, life moves faster than ever. To keep pace with it, we re used to doing everything at lightning speed, with
More information3 YEAR FIXED TERM DEPOSIT ACCOUNT
3 YEAR FIXED TERM DEPOSIT ACCOUNT Provided by Scottish Widows Bank SUMMARY BOX PLEASE READ THIS SUMMARY BOX BEFORE YOU COMPLETE THE APPLICATION AND THEN KEEP IT FOR YOUR RECORDS. DON T RETURN IT WITH THE
More informationALL OUR MORTGAGES NEW CUSTOM BUILD MORTGAGES AVAILABLE ISSUE 120 VALID FROM
ALL OUR MORTGAGES ISSUE 120 VALID FROM 24.07.17 NEW CUSTOM BUILD MORTGAGES AVAILABLE For professional intermediary use only. This description of Virgin Money s mortgages is directed at professional intermediaries
More informationNON-PERSONAL SAVINGS ACCOUNT
NON-PERSONAL SAVINGS ACCOUNT DETAILS AMENDMENT FORM Send your completed form to: Scottish Widows Bank, PO Box 12757, 67 Morrison Street, Edinburgh EH3 8YJ. Telephone: 0345 845 0829. This form should be
More informationRETIREMENT ACCOUNT ADDITIONAL POLICY PROVISIONS FOR RETIREMENT INCOME RARI (2016)
RETIREMENT ACCOUNT ADDITIONAL POLICY PROVISIONS FOR RETIREMENT INCOME RARI (2016) INTRODUCTION This booklet provides additional details for those wishing to take Retirement Income Benefits through a Scottish
More informationKEY FEATURES OF THE CIVIL SERVICE ADDITIONAL VOLUNTARY CONTRIBUTIONS (CSAVC) PLAN. Important information you need to read
KEY FEATURES OF THE CIVIL SERVICE ADDITIONAL VOLUNTARY CONTRIBUTIONS (CSAVC) PLAN Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US,
More informationFor employers GETTING READY FOR THE CHANGES. A guide to setting up salary exchange on our auto enrolment system. Workplace pensions
For employers GETTING READY FOR THE CHANGES Workplace pensions A guide to setting up salary exchange on our auto enrolment system INTRODUCTION Now that you ve decided to set up salary exchange as part
More informationALL OUR MORTGAGES BTL EXCLUSIVE 2 YEAR FIXED RATE AT 2.19% UP TO 60% LTV ISSUE 73 VALID FROM
ALL OUR MORTGAGES ISSUE 73 VALID FROM 25.09.15 BTL EXCLUSIVE 2 YEAR FIXED RATE AT 2.19% UP TO 60% For professional intermediary use only. This description of Virgin Money s mortgages is directed at professional
More informationHOW TO REVIEW ROLES IN COMMERCIAL BANKING ONLINE. Getting ready for Commercial Banking Online
² HOW TO REVIEW ROLES IN COMMERCIAL BANKING ONLINE Getting ready for Commercial Banking Online Review roles in Commercial Banking Online To help you get started with Commercial Banking Online roles will
More informationACCOUNT CHARGES. Your account charges explained
ACCOUNT CHARGES Your account charges explained March 2014 Account charges To put your business in greater control we d like to fully explain your business banking fees. Here we ll outline how our charges
More informationHALIFAX INTERMEDIARIES
For the use of mortgage intermediaries and other professionals only. HALIFAX INTERMEDIARIES ONLINE PRODUCT TRANSFERS Intermediary User Guide February 2018 HALIFAX ONLINE PRODUCT TRANSFERS SELECT A TILE
More informationKEY FEATURES OF THE GROUP PERSONAL PENSION PLAN. Important information you need to read
KEY FEATURES OF THE GROUP PERSONAL PENSION PLAN Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS, TO GIVE YOU THIS
More informationSALARY EXCHANGE ADVISER GUIDE
SALARY EXCHANGE ADVISER GUIDE This material is for use by UK Financial Advisers only. It is not intended for onward transmission to private customers and should not be relied upon by any other person.
More informationManage Your Account. User Guide. Retirement planning made easier by Legal & General
Manage Your Account User Guide Retirement planning made easier by Legal & General Contents What is Manage Your Account (MYA)? 2 How does it work? 3 Why use MYA? 3 Manage Your Account step by step 4 Starting
More informationNEED TO KNOW. Your account is up and running
NEED TO KNOW Your account is up and running There s more to running your business than managing the money, but it s a good place to start. A Business Current Account with Lloyds is designed to make banking
More information