NON-CONFORMING - PLATFORM - the intermediary mortgage lender of Britannia

September 2008 Products	Non-Conforming
September 2008 Products	Almost Prime			Minor Adverse			Light Adverse
Maximum LTV	65%	75%	80%	65%	75%	80%	65%	75%	80%
CCJs (per applicant)	£500 (0 in last 3)			£1,000 (0 in last 3)			£3,000
Arrears	Nil			1 in last 12 (0 in last 3)			2 in last 12 (1 in last 6)
Bankruptcy/IVA	Not allowed			Discharged or Completed > 1 Year			Discharged or Completed > 1 Year

2 Year Tracker (from completion)	8.12%	8.32%	9.02%	8.42%	8.62%	9.32%	8.72%	8.92%	9.62%
2 Year Tracker (from completion) Remortgage Special with FREE Legal Fees (including Title Insurance. Not available on Right to Buy)	8.22%	8.42%	Not Available	8.52%	8.72%	Not Available	8.82%	9.02%	Not Available
3 Year Tracker (from completion)	8.12%	8.32%	9.02%	8.42%	8.62%	9.32%	8.72%	8.92%	9.62%
2 Year Fixed (until 1 November 2010)	7.79%	8.09%	8.79%	8.09%	8.39%	9.09%	8.39%	8.69%	9.39%
3 Year Fixed (until 1 November 2011)	7.79%	8.09%	8.79%	8.09%	8.39%	9.09%	8.39%	8.69%	9.39%
3 Year Fixed (until 1 November 2011) Remortgage Special with FREE Legal Fees (including Title Insurance. Not available on Right to Buy)	7.89%	8.19%	Not Available	8.19%	8.49%	Not Available	8.49%	8.79%	Not Available

Self-Cert Loading (Loading applies to initial & reversionary rates)	+ 0.40%	+ 0.60%	Not Available	+ 0.40%	+ 0.60%	Not Available	+ 0.40%	+ 0.60%	Not Available
Reversionary Rate	8.90% LIBOR + 3.15%	9.10% LIBOR + 3.35%	9.80% LIBOR + 4.05%	9.20% LIBOR + 3.45%	9.40% LIBOR + 3.65%	10.10% LIBOR + 4.35%	9.40% LIBOR + 3.65%	9.80% LIBOR + 4.05%	10.30% LIBOR + 4.55%
Maximum Loan (House Purchase & Remortgage)	£400k (RTB max loan £150k)			£400k (RTB max loan £150k)			£400k (RTB max loan £150k)
Arrangement Fee (can be added to loan)	£1,295			£1,295			£1,295
Remortgage information	Full Status remortgage max LTV 75% Self-Cert remortgage max LTV 70%			Full Status remortgage max LTV 75% Self-Cert remortgage max LTV 70%			Full Status remortgage max LTV 75% Self-Cert remortgage max LTV 70%
FAST Remortgage Option Includes Title Insurance & Conveyancing (Optional & added to the loan. Can be applied to all rates with exception of Remortgage Specials) Not available on Right to Buy	£350			£350			£350
Right to Buy express Completion Fee (Fee is compulsory for all purchases and remortgages and can be added to the loan)	£125			£125			£125
Introducer Fee	0.50% (Max £2,000)			0.75% (Max £3,000)			0.90% (Max £3,600)
Additional Notes	Self Cert employed not available Not available on New Build Flats			Self Cert employed not available Not available on New Build Flats			Self Cert employed not available Not available on New Build Flats
	All Non-Conforming Tracker products are based on LIBOR (currently 5.75%)
Early Repayment Charges On expiry of initial Early Repayment Charge – 1 month’s notice or 1% of amount redeemed applies
2 Year Tracker	6% of amount redeemed in 1st 2 Years from completion
3 Year Tracker	6% of amount redeemed in 1st 3 Years from completion
2 Year Fixed	6% of amount redeemed until 1 November 2010
3 Year Fixed	6% of amount redeemed until 1 November 2011