FOR ThE USE OF professional MORTgAgE intermediaries ONLY RESIDENTIAL PRODUCT RATES (CORRECT AS AT 2ND OCTOBER 208) NEW FOR OCTOBER 208 Vida now in Scotland Enhanced New Build proposition Offers now valid for 6 months Quicker & cheaper remortgages 'No Search indemnity' insurance now accepted. Combined total of CCJs and Defaults VIDA PREMIER* 0 in last 6 Months VIDA 0 in last 24 Months VIDA 2 0 in last 8 months of 250 or more in last 24 Months VIDA VIDA 4 VIDA 5 0 in last 2 months of 250 or more 0 in last 9 months of 500 or more in last 24 months (including max 2 unsecured defaults) 0 in last 6 months of 500 or more 4 in last 24 months (including max unsecured defaults) Unsatisfied CCJs Missed Mortgage/Secured Loan Payments 0 in last 6 months 0 in last 6 months 0 in last 2 months 0 in last 2 months 0 in last 9 months 0 in last 6 months Maximum Worst Status 0 in last 6 months in last 6 months in last 24 months in last 24 months Unsecured credit/loan arrears (e.g. credit cards, catalogues, and personal loans) Maximum Current Status 0 in last 6 months 0 missed payment, none over 50 in last 6 months Max product LTV missed payment, none over 00 in last 6 months Max product LTV 2 missed payments, none over 00 in last 6 months Max product LTV missed payments up to a combined total of 250 in last 6 months Max product LTV 2 missed payments up to a combined total of 250 in last 6 months Max product LTV Debt Management Plans Formal Debt Arrangements providing satisfactorily conducted Bankruptcy/IVA/DRO Debt Consolidation Previous Property Repossession Adverse Criteria Discharged over 6 years Available up to LTV excluding fees. Above LTV, debt consolidation is limited to 50% of the capital raising amount Customers repossessed in the last 0 years are not acceptable Assessed on total combined adverse from all applicants VIDA PREMIER* VIDA VIDA 2 VIDA VIDA 4 VIDA 5 4.59%.64%.4%.74% 4.44% 4.09% 4.99% 4.79% 5.49% 5.4% 2.99%.54%.94% 4.99% 5.59% 2.89%.4%.59% 4.09% 5.54%.99% 4.29% 5.9% 5.4% (can be added to the loan above except at 90%) 2 YEAR FIXED FROM COMPLETION 995,495 Up to LTV: 5.49% Over LTV: % / 2% (from completion) Up to 90%: 400k, Up to : 500k Up to : 750k, Up to : m Up to LTV: 5.59% Over LTV: Up to : 500k Exclude fees when calculating Maximum LTV, include fees when calculating + 0.0% for i/o,, PLUS RANGE (interest ONLY, LOANS ABOVE M, RighT TO BUY, ) VIDA VIDA 2 VIDA VIDA 4 VIDA 5 5.9% 4.74% 5.29% 5.79% 4.9% 5.09% 5.64%.84% 4.24% 4.79% 5.29% 5.89%.44%.89% 4.9% 5.84% 5.69% (Max ) (Max ) PLUS 2 YEAR FIXED FROM COMPLETION 7 7 7 Up to 90%: 400k, Up to : 500k Up to : 750k, Up to : m, Up to :.5m Up to : 500k, revert rate & on the PLUS range are the same as the standard range (see left) Vida Variable Rate (VVR) is: 2. set on 2.09.8
RESIDENTIAL PRODUCT RATES PLUS RANGE (interest ONLY, LOANS ABOVE M, RighT TO BUY, ) VIDA PREMIER* VIDA VIDA 2 VIDA VIDA 4 VIDA 5 5.9% 5.9% (can be added to the loan above except at 90%) 5 YEAR FIXED FROM COMPLETION.99% 4.79% 4.4% 4.99% 5.54% 5.24% 5.74%.74% 4.59% 4.99% 5.9% 5.79%.4%.74% 4.29% 4.74% 5.4% 5.69% 5.49% 5.44% 995,495 Up to LTV: 5.49% Over LTV: % / 2% / 2% / 2% /% (from completion) Up to 90%: 400k, Up to : 500k Up to : 750k, Up to : m Up to LTV: 5.59% Over LTV: Up to : 500k + 0.0% for i/o,, VIDA VIDA 2 VIDA VIDA 4 VIDA 5 (Max ) (Max ) PLUS 5 YEAR FIXED FROM COMPLETION 5.49% 5.69% 5.09% 5.29% 5.84% 6.29% 5.4% 5.54% 6.04% 4.4% 5.29% 5.69% 6.09% 4.59% 5.04% 5.44% 5.79% 7 7 7 Up to 90%: 400k, Up to : 500k Up to : 750k, Up to : m, Up to :.5m Up to : 500k (can be added to the loan above except at 90%) % / 2% (from completion) 2 YEAR VARIABLE FROM COMPLETION VIDA PREMIER* VIDA Exclude fees when calculating Maximum LTV, include fees when calculating.79% VVR + 0.94%.29% VVR + 0.44% 995 Up to LTV: 5.49% Over LTV: Up to 90%: 400k, Up to : 500k Up to : 750k, Up to : m 4.59% VVR +.74% VVR +.4%.74% VVR + 0.89%.54% VVR + 0.69%.4% VVR + 0.29% + 0.0% for i/o,, VIDA (Max ) (Max ) PLUS 2 YEAR VARIABLE FROM COMPLETION VVR + 2.04% VVR +.64% VVR +.9%.84% VVR + 0.99%.44% VVR + 0.59% Up to 90%: 400k, Up to : 500k Up to : 750k, Up to : m, Up to :.5m, revert rate & on the PLUS range are the same as the standard range (see left) Procuration Fee 0.40%
RESIDENTIAL HIGHLIGHTS INTEREST ONLY Up to interest only Allows own investment vehicle or downsizing MINIMUM INCOME 5K For at least applicant Income from second jobs accepted 2 month history required IMPAIRED CREDIT HISTORY Small or life events allowable Debt Management Plans Minor unsecured arrears in the last 6 months FEE SAVER RANGE No product fee One free valuation on properties up to 500k Free standard legals on remortgages NEW NEW BUILD Flats & Houses to 90% LTV 6 month offer and up to 6 month extension available Now accept completion certificate instead of reinspection RIGHT TO BUY PURCHASE Up to 00% of DPP subject to of OMV High rise 90% LTV For first time buyers Up to 90% LTV including product fee Full gifted deposits BORROWING IN OR INTO RETIREMENT Up to 85 at end of term Current income used if retirement more than 0 years away Affordability includes 00% pension income HELPING HAND Parent s income combined with children s to assist with affordability Available across the residential Plus Range including 90% LTV for FTB s CONTRACTORS AND SHORT WORK HISTORY 6 months contract or a rolling month contract renewed at least once Only year track record of employment in the same line of work required BUY TOGETHER MORTGAGES Up to 4 applicants accepted with all incomes Main applicant minimum age 2 SELF EMPLOYED year s verified accounts or SA02 Dividends and net profit Eligible for all products
RESIDENTIAL PRODUCT RATES FEE SAVER RANGE FEE SAVER PRODUCT FEATURES 0 product Fee For properties up to 500,000, one free standard valuation and refund of 49 assessment fee* For properties over 500,000 refund of valuation and assessment fee (maximum 650)** Free standard remortgage legal services includes Scotland *** *For properties up to 500,000, one free standard valuation and refund of the reduced 49 assessment fee paid at application within 0 days of completion into the mortgage direct debit account. **For properties valued above 500,000, the standard valuation and assessment fee is payable upon application, but is refunded (up to a maximum of 650) within 0 days of completion into the mortgage direct debit account. ***When applying for a Fee Saver remortgage simply click free legals on the mortgage details page of our portal. Vida Homeloans will cover the costs for standard remortgage legal/conveyancing work using our nominated firm of solicitors. Any additional legal work which is not part of standard conveyancing will be payable by your customer directly to the lendernominated firm, who will provide a quotation for any extra work before it is carried out. Not available for properties with no outstanding mortgage. Any additional fees or charges that may be payable in respect of leasehold properties under the terms of the lease are excluded and will be payable by the borrower, and the mortgage can only complete if there are no outstanding service charges or ground rent on the leasehold property. PLUS RANGE (interest ONLY, LOANS ABOVE M, RighT TO BUY, ) VIDA PREMIER* VIDA VIDA 2 VIDA VIDA 4 VIDA 5 FEE SAVER 2 YEAR FIXED FROM COMPLETION 4.09% 5.04% 5.4% Up to LTV: 5.49% Over LTV: 5.44% 5.94%.79% 4.54% 5.24% 5.79%.44%.99% 4.9% 5.44% 6.04%.4%.59% 4.54% 5.09% 4.44% 4.74% 5.84% 5.79% No Up to LTV: 5.59% Over LTV: + 0.0% for i/o,, VIDA VIDA 2 VIDA VIDA 4 VIDA 5 5.4% 5.64% 5.9% 5.74% 6.24% 5.54% 6.09% (Max ) (Max ) FEE SAVER PLUS 2 YEAR FIXED FROM COMPLETION 4.29%.89% 4.69% 5.24% 5.74% 6.4% 4.4% 5.9% 6.29% 6.4% 7 7 7 Up to 90%: 400k, Up to : 500k Up to : 750k, Up to : m % / 2% (from completion) Up to : 500k Up to 90%: 400k, Up to : 500k Up to : 750k, Up to : m, Up to :.5m Up to : 500k Exclude fees when calculating Maximum LTV, include fees when calculating, revert rate & on the PLUS range are the same as the standard range (see left) Vida Variable Rate (VVR) is: 2. set on 2.09.8
RESIDENTIAL PRODUCT RATES FEE SAVER RANGE PLUS RANGE (interest ONLY, LOANS ABOVE M, RighT TO BUY, ) FEE SAVER 5 YEAR FIXED FROM COMPLETION VIDA PREMIER* VIDA VIDA 2 VIDA VIDA 4 VIDA 5 5.49% 5.69% 4.4% 5.09% 5.29% 5.84% 6.29% 4.29% 5.4% 5.54% 6.04% 4.4% 5.29% 5.69% 6.09%.64% 4.59% 5.04% 5.44% 5.24% 5.79% 5.74% No Up to LTV: 5.49% Over LTV: Up to LTV: 5.59% Over LTV: (VVR +.4) % / 2% / 2% / 2% / % (from completion) Up to 90%: 400k, Up to : 500k Up to : 500k Up to : 750k, Up to : m + 0.0% for i/o,, VIDA VIDA 2 VIDA VIDA 4 VIDA 5 5.79% 5.9% 5.59% 6.4% 6.59% 5.44% 5.84% 6.4% 5.9% 5.59% 6.9% 4.4% 5.4% 5.74% 6.29% 6.09% (Max ) (Max ) FEE SAVER PLUS 5 YEAR FIXED FROM COMPLETION 7 7 7 Up to 90%: 400k, Up to : 500k Up to : 750k, Up to : m, Up to :.5m Up to : 500k FEE SAVER 2 YEAR VARIABLE FROM COMPLETION VIDA PREMIER* VIDA 4.24% VVR +.9%.74% VVR + 0.89% No Up to LTV: 5.49% Over LTV: % / 2% (from completion) 5.04% VVR + 2.9% VVR +.79% VVR +.4%.99% VVR +.4%.59% VVR + 0.74% + 0.0% for i/o,, VIDA 5.4% VVR + 2.49% VVR + 2.09% VVR +.64% 4.29% VVR +.44%.89% VVR +.04% (Max ) (Max ) FEE SAVER PLUS 2 YEAR VARIABLE FROM COMPLETION Up to 90%: 400k, Up to : 500k Up to : 750k, Up to : m Up to 90%: 400k, Up to : 500k Up to : 750k, Up to : m, Up to :.5m Exclude fees when calculating Maximum LTV, include fees when calculating, revert rate & on the PLUS range are the same as the standard range (see left) Procuration Fee 0.40% Don t forget, if you are searching our products on a sourcing system, tick Fee Free to ensure you can see our competitive Fee Saver range. 040 272625 service@atomltd.co.uk atomltd.co.uk 24 Carfax, Horsham, West Sussex, RH2 EB THIS DOCUMENT IS FOR THE USE OF PROFESSIONAL MORTGAGE INTERMEDIARIES ONLY. Vida Homeloans is a trading style of Belmont Green Finance Limited, registered in England and Wales no. 0987692. Registered office: Bridge Street, StainesuponThames, Surrey TW8 4TW. Belmont Green Finance Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register Firm Reference Number 7874.