Comparison Infographic & Snapshot - A4 0518

1 Comparison Infographic & Snapshot - A4 1 18/05/2018 10:00:15. For intermediary use only CHORLEY BUILDING SOCIETY. LENDING Snapshot . COMMON SENSE. APPROACH. A EXPERIENCED. UNDERWRITER. NO CREDIT SCORING. B C WHO IS THE. DECISION MAKER? ACCESS TO THE. UNDERWRITING TEAM. direct DIAL TO INTEREST ONLY OPTION. UNDERWRITERS. MAXIMUM AGE. No max NO MAXIMUMage on residential or AGE LIMIT. REALISTIC APPROACH BTL subject to individual case TO LENDING INTO/ assessment WHILST RETIRED. FLEXIBLE APPROACH TO. CONTRACT WORKERS. AND SELF-EMPLOYED. SA302. WILL CONSIDER DISCHARGED. OVER 3. BANKRUPTCY IVA. YEARS AGO. GUARANTORS. CONSIDERED. CONCESSIONAL. PURCHASE AND. GIFTED DEPOSIT. Subject to Chorley Building Society's Lending Criteria (overleaf) and Mortgage Terms and Conditions. Valid as at May 2018. For more information, email or call 01257 235 001 - Option 2. Chorley and District Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

2 Registered on the Financial Services Register under number 206023. Registered Office: Key House, Foxhole Road, Chorley, Lancashire PR7 1NZ. Chorley and District Building Society is a member of the Building Societies Association and a participant of the Financial Ombudsman Service and Financial Services Compensation Scheme. Your telephone conversations with the Society may be recorded. This is to help the Society to improve customer service and to offer additional security. Comparison Infographic & Snapshot - A4 2 18/05/2018 10:00:16. SERVICE DRIVEN, COMMON SENSE APPROACH, NO CREDIT SCORING, INDIVIDUAL UNDERWRITING. CONSIDERED. Studio Flats Concessional Purchase Non Cash/Deposit Builder Flats above 4 Storeys Maximum age of Guarantor Incentive up to 5%. Ex L/A Flats 75 at term end Flying Freehold up to 20%. Contract Workers Section 106 Agricultural Restrictions Gifted Deposits DMS Properties Second Homes (Subject to individual criteria).

3 LENDING LIMITS CONCESSIONAL PART Interest Only &. 0 70% 1m PURCHASE PART Capital Repayments >70 80% 800k Max LTV 85% Min Equity 50k 100% of purchase price >80 85% 500k Max interest only element 500k Max 80% LTV market value >85 90% 400K. Close family member >90 95% 350k Subject to availability Sitting Tenant INTEREST ONLY. Property to be used as Min Term 1 Year main residence Max 80% LTV Min Equity 50k Max Term 40 Years Person providing concession Max advance 500k Max Exposure 1m not to remain at property Max 50% LTV to downsize (Min equity 100k). LENDING INTO RETIREMENT. REMORTGAGE MAXIMUM AGE. Max 95% LTV subject to availability No max age on residential Maximum LTV 75%. Minimum 6 month ownership or BTL subject to individual LENDING WHILST RETIRED. Max 80% LTV for debt consolidation case assessment Maximum LTV 70%. HELP TO BUY CREDIT FILE RIGHT TO BUY. EQUITY LOAN. CCJs or defaults settled over 3 years ago considered 100% of the discounted New Build Only One CCJ or default issued within last 3 years less purchase price Max Loan than 500 acceptable Max 75% LTV market value 600k England Discharged bankrupt or IVA over 3 years Max Loan acceptable 300k Wales BUY TO LET.

4 SELF EMPLOYED. Maximum LTV 80%. 2 years Accounts Minimum loan - 80k Ltd Company 3 or less BTL properties owned Salary & Dividends 1st time landlords considered Sole Trader/Partnership - we Subject to availability For more information, visit our website take share of net profit at or by email at 01257 235 001 - Option 2. Subject to other Lending Criteria and Mortgage Terms and Conditions. Valid as at May 2018. Chorley and District Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered on the Financial Services Register under number 206023. Registered Office: Key House, Foxhole Road, Chorley, Lancashire PR7 1NZ. Chorley and District Building Society is a member of the Building Societies Association and a participant of the Financial Ombudsman Service and Financial Services Compensation Scheme. V2-05-2018.

5 Your telephone conversations with the Society may be recorded. This is to help the Society to improve customer service and to offer additional security.