Muhammad Ali Mastermind: Get Insurance Example Smartly

Page 4 of 6

7. Are you comfortable with the risks?

What if interest rates go up?

The monthly payment on part 2 will not change because the interest rate is fixed for the term of the mortgage.

The monthly payment on part 1 will not change until the fixed rate ends on 31/08/2017. After any fixed rate part comes to an end the interest rate and monthly payment can vary.

The monthly payments shown in this illustration could be considerably different if interest rates change.

After the fixed rate on part 1 ends on 31/08/2017 then for one percentage point increase in the Halifax Homeowner Variable Rate, your monthly payment will increase by around £72.22.

RATES MAY INCREASE BY MUCH MORE THAN THIS SO MAKE SURE YOU CAN AFFORD THE MONTHLY PAYMENT

What if your income goes down?

You will still have to pay your mortgage if you lose your job or if illness prevents you from working. Think about whether you could do this.

MAKE SURE YOU CAN AFFORD YOUR MORTGAGE IF YOUR INCOME FALLS

The Money Advice Service information sheet "You can afford your mortgage now, but what if...?" will help you consider the risks. You can geta free oopy from www.monevyadviceservice.org.uk, or by calling 0300 500 5000.

8. What fees must you pay?

Fees payable to Halifax

Valuation fee. 'This fee is payable on application and is not refundable once the £430.00 property assessment has been carried out.

Mortgage account fee which is payable when your mortgage starts. This fee is £295.00 to cover the setting up, routine maintenance and closing down of the mortgage account. The fee is not refundable. This fee will be added to the loan when your morigage starts.

Other fees

Legal fees which are payable to your conveyancer before the morigage starts. £155.39 The figure quoted here is an estimate of the costs for the work done. The total legal fees may be higher, This fee is not refundable.

You may have 1o pay other taxes or costs in addition to any fees shown here.

9. Insurance

Insurance you must take out through Halifax

You do not need to buy any insurance through Halifax.

Insurance you must take out as a condition of this mortgage but that you do not have to take out through Halifax

Buildings insurance.

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2 Page 5 of 6

10. What happens if you do not want this mortgage any more?

Early repayment charges

Early repayment charges are payable if you repay part or all of this mortgage on or before 31/08/2017. See the table below for details.

Part	Date of repayment	Basis of charge
1	On or before 31/08/2016 On or before 31/08/2017	3.000% of the amount repaid 2.000% of the amount repaid

Cash examples for repaying the mortgage in full during the early repayment charge period are shown below

Date of repayment	Cash example
On or before 31/08/2016 On or before 31/08/2017	£4,260.00 £2,727.73
The maximum charge you could pay is £4,260.00.

What happens if you move house?

You can take the following product(s) with you to a new mortgage on another property during the product rate period:

Fixed rate FAI824

When the product rate period has ended any lender variable rate that then applies to that part of the mortgage is not portable.

If you need to repay your mortgage to move home during the product rate period, provided you do not change lender (and, where the lender provides mortgages under more than one brand, you do not change brands), you will usually be able to take the terms of the product with you and they will continue for the remainder of the product rate period. In addition, If this is during an early repayment charge period, provided you borrow the same or a greater amount, you won't normally have to pay the charge. If the loan is for a smalter amount, you may have to pay part of the charge. -

Further information regarding portability can be found in the section headed 'Early Repayment Charges' in the booklet 'Information about your mortgage' issued with mortgage offers.

11. What happens if you want to make overpayments?

You are able to make lump sum or regular overpayments to this mortgage at any time. For details of any early repayment charges that may apply please refer to Section 10.

Currently, as a concession, during the period when an early repayment charge applies, you can make overpayments up to 10% of the outstanding balance each calendar year (as at 1 January of the year in question or, in the year in which you take out your mortgage, the original balance) and the charge will be waived. We reserve the right to change or withdraw this concession.

For more detail on how this concession will be applied if your mortgage is divided into Separate sub-accounts, please see the booklet 'Information about your mortgage' which is issued with mortgage offers.

Our daily interest method will apply and the interest charged takes account of any changes in the mortgage balance from day to day. Any payment you make will reduce the balance and therefore the amount of interest you are charged, from the day that we receive it.

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Page 6 of 6

12. Additional features

Underpayments

You may pay less than the normal monthly payment for one or more months or miss one or more monthly payments (make underpayments), provided you have previously made overpayments and the amount of the underpayments does not exceed the amount of your previous overpayments less any amount you have previously underpaid. You must give notice of the months in which you wish to underpay.

Where your monthly payment and/or your mortgage term are changed (for example, following an interest rate change) and the change takes any previous overpayments into account, then those overpayments will no longer be available for the purpose of making underpayments.

Payment holidays

Payment holidays may be available but are subject to rules that may be changed from time to time. If you apply, checks that you meet the rules in force at the time will be made. Payment holidays are not guaranteed. The current rules can be found in the booklet "Information about your mortgage' which is issued with morigage offers but you should ask for details of the latest rules when you make your request. -

Incentives

You will receive £650.00 as a cashback. This is payable when the mortgage completes. We will send this money to your conveyancer.

13. Where can you get more information about mortgages?

The Money Advice Service publishes useful guides on choosing a morigage. These are available free through its website: www. moneyadviceservice.org.uk, or by calling 0300 500 5000.

The website also provides Comparative Tables to help you shop around.

Contact details

If you wish to discuss this mortgage illustration, please contact Halifax on 0208 210 8437

35-37 The Mall,

Stratford Shopping Centre,

Stratford,

l.ondon,

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP

REPAYMENTS ON YOUR MORTGAGE

J303

Mrs Lovely Begum HALIFAZ

Miss Laila Begum

Page 1 of 2

16^th May 2015

This document should be read in conjunction with the Key Facts [Ilustration number 05 that accompanies it. The recommendation is based on your current needs and circumstances.

Mortgage Roll Number 10/51534485- 8

The service we have provided

We have provided you with advice for which we do not charge a fee.

From the information you provided we have indentified the following

You are either unwilling or unable to pay fees upfront where théy information you can be added to your loan.

You need your monthly payments not to change for a minimum following: period of 2 years and for no longer than 2 years on all of your loan.

You will need a repayment loan as you don't have a repayment plan(s) that you wani to use to repay all or part of your loan, or those you do have, do not meet our criteria.

You need a loan term that finishes before your retirement.

You have a maximum amount of £600.00 that you are willing to commit to your monthly payments.

Our Recommendation

Based on the information you have provided, we recommend:

Product(s) we have recommended:

Product Code FAJ160

Fixed Rate

This is a fixed rate product which means your interest rate and monthly paymenit will not change during the fixed rate period.

Of those that are appropriate for you, this product has the lowest total amount payable over the term of the loan.

Hailfax is & division of Bank of Scolland pic, Registered in Scotland No. SC327000.

Registered Office: The Mound, Edinburgh EH1 1YZ.

Authorised by the Prudentlal Regulation Autherity and reguiated by the Financlal Conduct Authority and the

Prudontial Regutalion Authority. Financial Servicas Register aumber 169628,

J304 Telephone calls may be monitared or recorded.

J304

Page 2 of 2

Mortgage Term and Repayment Method we have recommended

Aterm that ends before your preferred retirement date.

This term gives a monthly payment within the maximum amount you are willing fo pay each month.

A repayment loan which means you will reduce what you owe month by month until the end of the term.

Mortgage Fees

We have recommended you add applicable fees to your loan and you have agreed to do so.

Where a Mortgage account fee is charged, we recommend that you add it to your loan because it is interest free for the life of the mortgage.

Contact Details

If you have any questions about this letter or anything else relating to

your application please contact your Mortgage Adviser.

If you wish to register a complaint, please contact us:

... in writing Wite to Halifax, Customer Relations, 1 Lovell Park Road, Leeds, West Yorkshire, LS1 INS.

by phone Telephone 0845 727 3747.

We'll do our best to resolve the complaint to your satisfaction but if you are still not happy you can ask the Financial Ombudsman Service to look at your complaint. We will tell you how to do this.

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Mortgage and equity release advising and arranging is covered up to 2 maximum of £50,000.

Further information about compensation scheme arrangements is available from the FSCS.

J305

Mrs Lovely Begum HALIFAZ

Miss Laila Begum Page 1 of 2

16th May 2015

Reasons for our Recommendation

This document should be read in conjunction with the Key Facts lllustration number 05 that accompanies it. The recommendation is based on your current needs and circumstances.

Mortgage Roli Number 10/51534485- 8

The service we have provided

We you with advice for which we do not charge a fee.

We only offer a limited range of mortgages from Bank of Scotland plc

From the information you provided we have identified the following:

You are either unwilling or unable to pay fees upfront where they can bbe added to you.

You need your monthly payments not to change for a minimum period of 2 years and for no longer than 2 years on all of your loan.

You will need a repayment loan as you don't have a repayment plan(s) that you want to use to repay all or part of your loan, or those you do have, do not meet our criteria.

You need a loan term that finishes before your retirement.

You have a maximum amount of £600.00 that you are willing to commit to your monthly payments.

Our Recommendation

Based on the information you have provided, we recommend:

Product(s) we have recommended:

Product Code FAJ160

Fixed Rate

This is a fixed rate product which means your interest rate and monthly payment will not change during the fixed rate period.

Of those that are appropriate for you, this product has the lowest total amount payable over the term of the loan.

Hailfax is & division of Bank of Scolland pic, Registered in Scotland No. SC327000.

Registered Office: The Mound, Edinburgh EH1 1YZ.

Authorised by the Prudentlal Regulation Autherity and reguiated by the Financlal Conduct Authority and the

Prudontial Regutalion Authority. Financial Servicas Register aumber 169628,

J304 Telephone calls may be monitared or recorded.

J306

Page 2 of 2

Mortgage Term and Repayment Method we have recommended:

Part 001

25 years

Aterm that ends before your preferred retirement date.

This ferm gives a monthly payment within the maximum amount you are willing to pay each month.

A repayment loan which means you will reduce what you owe month by month until the end of the term.

Mortgage Fees

We have recommended you add applicable fees to your loan and you have agreed to do so.

Where a Mortgage account fee is charged, we recommend that you add it to your loan because it is interest free for the life of the mortgage.

Contact Details

If you have any questions about this letter or anything else relating to your application please contact your Morigage Adviser.

If you wish to register a complaint, please contact us:

.. in writing Write to Halifax, Customer Relations, 1 Lovell Park Road, Leeds, West Yorkshire, LS1 1NS.

by phone Telephone 0845 727 3747.

We'll do our best to resolve the complaint to your satisfaction but if you are still not happy you can ask the Financial Ombudsman Service to look at your complaint. We will tell you how to do this.

Mortgage and equity release advising and arranging is covered up to a maxumum of £50,000.

Further information about compensation scheme arrangements is avat!able fmm the FSCS.

J307

Our reference MA71A/FFA/10:40

27^th May 2015

Mrs Kovely Begum and

Miss Laila Begum

Flat 5

5 Crosby House

Crosby Road

London

E7 9HX

HALIFAX

Halifax

35-37 The Mall

Stratford Shopping Centre Stratford

London

E15 1XE

Tel no: 0208 210 9437

Fax no: 0845 850 0201

Page 1 of 10

Mortgage roll number: 10151534435- 8

Please use this roll number when you contact us about your mortgage application.

YOUR MORTGAGE OFFER

Thank you for choosing us for your mortgage.

We, Halifax, a division for Bank of Scotland plc, offer you a mortgage on the conditions in this mortgage offer. Please check this offer and contact us if any details are incorrect.

Our mortgage conditions and Information about your mortgage booklets apply to this offer and your mortgage. We have sent both these booklets with this offer. Please read them both carefully.

If you have any questions about this offer, or if you need another copy of either booklet, please contact us on 02082109437.

The property Address 30 Scrattons Terrace

Barking

Essex

LG110TY

Property type House

Your names Mrs Lovely Begum

Miss Laila Begum

Hailfax is & division of Bank of Scolland pic, Registered in Scotland No. SC327000.

Registered Office: The Mound, Edinburgh EH1 1YZ.

Authorised by the Prudentlal Regulation Autherity and reguiated by the Financlal Conduct Authority and the

Prudontial Regutalion Authority. Financial Servicas Register aumber 169628,

J304 Telephone calls may be monitared or recorded.

J308

Page 2 of 10

1. About this offer document

You are not bound by the terms of this offer document until you have signed the legal charge and the funds are released for your mortgage. We are required by the Financial Conduct Authority (FCA) - the independent watchdog that regulates financial services - to provide you with this offer document. You should compare this offer document with the key facts illustration given {o you before you applied for this mortgage, to see how the details may have changed.

2. Which service did we provide you with?

We have recommended, having assessed your needs, that you take out this morigage.

We have not recommended a particular morigage for you. You must make your own choice whether to accept this morigage offer.

3. Your mortgage requirements

This offer is based on borrowing £142,000 plus £295.00 for fees that will be added to the loan. These and the additional fees that you need to pay are shown in Section 8.

The term of the mortgage will be 25 years.

The morigage will be on a repayment basis. The purchase price of the property is £240,000. The valuation of the property is £240,000.

Changes to any of the information you have given us could alter the information in this offer. If this is the case, please ask for a revised offer.

J309

Page 3 of 10

4, Description of this mortgage

The mortgage to which this offer relates will be provided by Halifax, a division of Bank of Scotland plc.

As this mortgage is made up of more than one part, these parts are summarised below:

Part	Loan amount	Product description	Term	Repayment method	Initial rate payable
1	£142,000	FAJ160 - a fixed rate of 1.890% which ends on 31/08/2017.	25 years	Repayment	1.890%
2	£142,295	MAF001-a fixed rate of 0.000% until the end of the term.	25 years	Repayment	0.000%
Total	£142,295

Part 2 of your loan is to pay off the Morigage account fee shown in Section 8.

Part 1 of your loan reverts to Halifax Homeowner Variable Rate, currently 3.990%, after 31/08/2017 until the end of the term.

Halifax Homeowner Variable Rate is the lender variable rate which applies to this morigage.

FAJ160 obliges you to take out or hold a Halifax Reward or Ultimate Reward Current Account or any Bank of Scotland Current Account as a condition of this mortgage.

The interest rate(s) applicable to this mortgage can go up or down. We will not notify you of any change in rate(s) between the date of this offer and the date you take out the mortgage. We will confirm the rate(s) when you take out the mortgage.

4. Overall cost of this mortgage

The overall cost takes into account the payments in Sections 6 and 8 below. With a repayment mortgage you gradually pay off the amount you have borrowed, as well as the interest, over the life of the mortgage.

The total amount you must pay back, including the amount borrowed is

This means you pay back

The overall cost for comparison is

£217,363.16

£1.53 ffor every £1 borrowed

3.7% APR

The figures in this section will vary following interest rate changes and if you do not keep the mortgage for 25 years.

Only use the figures in this section to compare the cost with another repayment mortgage.

J310

Page 4 of 10

6. Whit you will need to pay each month

These payments are based on a loan amount of £142,295 and include the fees that are shown in Section 8 as being added to your mortgage. This offer assumes that the mortgage will start on 16th June 2015.

Monthly payments

A first payment that includes interest on the loan from the start of the mortgage to the end of the month before your regular monthly payments begin:

Part	Loan amount	Number of monthly payments	Repayment method	Initial interest rate 1.890%	payable __ Fixed or variable rate Fixed	initial monthly payment £703.65
1	£142,000	1	Repayment mortgage	Initial interest rate 1.890%	payable __ Fixed or variable rate Fixed	initial monthly payment £703.65
2	£295	1	Repayment mortgage	0,000%	Fixed	£0.98
Total	£142,295	Total monthly payment				£704.63

followed by

Part	Loan amount	Number of monthly payments	Repayment method	initial interest rate payable	Fixed or variable rate	Monthly payment
1	£142,000	25	Repayment mortgage	1.890%	Fixed	£593.36
2	£295	299	Repayment mortgage	0.000%	Fixed	£0.98
Total	£142,295	Total monthly payment				£594.34

After 31/08/2017 your fixed interest rate shown in part 1 will end. Assuming interest rates do not change, your monthly payment will be:

£734.36

J 311

Page 5 of 10

7. Are you comfortable with the risks?

What if interest rates go up?

The monthly payment on part 2 will not change because the interest rate is fixed for the term of the mortgage.

The monthly payment on part 1 will not change until the fixed rate ends on 31/08/2017. After any'fixed rate part comes to an end the interest rate and monthly payment can vary.

The monthly payments shown in this illustration could be considerably different if interest rates change.

After the fixed rate on part 1 ends on 31/08/2017 then for one percentage point increase in the Halifax Homeowner Variable Rate, your monthly payment will increase by around £72.49.

RATES MAY INCREASE BY MUCH MORE THAN THIS SO MAKE SURE YOU
CAN AFFORD THE MONTHLY PAYMENT

What if your income goes down?

You will still have to pay your mortgage if you lose your job or if illness prevents you from working. Think about whether you could,do this.

MAKE SURE YOU CAN AFFORD YOUR MORTGAGE IF YOUR INCOME FALLS

The Money Advice Service information sheet 'You can afford your mortgage now, but what if...?' will help you consider the risks. You can get a free copy from www,moneyadviceservice.orq.uk, or by calling 0300 500 5000.

8. What fees must you pay? Fee amount

Fees payable to Halifax

aluation fee. This fee was payable on application and is not refundable once £430.00

the property assessment has been carried out. You have already paid this fee.

Mortgage account fee which is payable when your mortgage starts. This fee is £295.00

to cover the setting up, routine maintenance and closing down of the mortgage account. The fee is not refundable. This fee will be added to the loan when your mortgage starts.

Other fees

Legal fees which are payable to your conveyancer before the mortgage starts. £155.39

The figure quoted here is an estimate of the costs for the work done. The total legal fees may be higher. This fee is not refundable.

You may have to pay other taxes or costs in addition to any fees shown here.

J312

Page 6 of 10

9. Insurance

Insurance you must take out through Halifax

You do not need to buy any insurance through Halifax.

Insurance you must take out as a condition of this mortgage but that you do not have to take out through Halifax

Buildings insurance.

10.,Whit happens if you do not want this mortgage any more?

- '

Early repayment charges

Early repayment charges are payable if you repay part or all of this mortgage on or before 31/08/2017. See the table below for details.

Part	Date of repayment	Basis of charge
1	On or before 31/08/2016 On or before 31/08/2017	3.000% of the amount repaid 2.000% of the amount re a aid

Cash examples for repaying the mortgage in full during the early repayment charge period are shown below

Date of repayment	Cash example
On or before 31/08/2016 On or before 31/0812017	£4,260.00 £2,735.37
The maximum charge you could pay is £4,260.00.

What happens if you move house?

You can take the following product(s) with you to a new mortgage on another property during the product rate period:

Fixed rate FA,I160

When the product rate period has ended any lender variable rate that then applies to that part of the mortgage is not portable.

If you need to repay your mortgage to move home during the product rate period, provided you do not change lender (and, where the lender provides mortgages under more than one brand, you do not change brands), you will usually be able to take the terms of the product with you and they will continue for the remainder of the product rate period. In addition, If this is during an early repayment charge period, provided you borrow the same or a greater amount, you won't normally have to pay the charge. If the loan is for a smaller amount, you may have to pay part of the charge.

Further information regarding portability can be found in the section headed 'Early Repayment Charges' in the booklet 'Information about your mortgage' issued with mortgage offers.

J313

Page 7 of 10

11. What happens if you want to make overpayments?

You are able to make lump sum or regular overpayments to this mortgage at any time. For details^-of any early repayment charges that may apply please refer to Section 10,

Currently, as a concession during the period when an early repayment charge applies, you can make overpayments up to 10% of the outstanding balance each calendar year (using the balance as at 1 January of the year in question or, in the year in which you take out your mortgage, the original balance) and the charge will be waived. We reserve the right to change or withdraw this concession.

Where your mortgage Is shown on systems as being divided into more than one sub-account (for example, where parts of the mortgage are on different products), then the waiver will apply to the balance on each sub-account separately. For more detail on when the mortgage will be divided into sub-accounts please see the booklet Information about your mortgage' which is issued with mortgage offers.

If the sum of your overpayments exceeds 10% (but you do not repay the sub-account in full), the early repayment charge applies only to the amount you overpay above 10%. If the sub-account is repaid in full, the full early repayment charge is payable. Where you make overpayments of 10% or less but then repay the balance in full within six months, the early repayment charge will become payable in full, including the portion which was waived previously.

J314

Page 8 of 10

12. Additional features

Underpayments

Payment holidays

Payment holidays may be available but are subject to rules that may be changed from time to time. If you apply, checks that you meet the rules in force at the time will be made. Payment holidays are not guaranteed. The current rules can be found in the booklet 'Information about your mortgage' which is issued with mortgage offers but you should ask for details of the latest rules when you make your request.

Incentives

You will receive £150.00 as a cashbook. This is payable when the mortgage completes. We will send this money to your conveyance.

Mortgage product FA,1160 includes cash back of 1% of the total loan amount, shown in section 4, to a maximum cash back of f2500. We will send this to the account from which you pay your mortgage within 30 days of your mortgage start date.

13. Where can you get more information about mortgages?

The Money Advice Service publishes useful guides on choosing a mortgage, These are available free through its website: www.moneyadviceservice,orp.uk, or by calling 0300 500 5000. The website also provides Comparative Tables to help you shop around.

Contact details

If you wish to discuss this mortgage offer, please contact Halifax, at 35-37 The Mall, Stratford Shopping Centre, Stratford, London, E15 1XE or on 0208 210 9437.

What to do if you have a complaint

If you wish to register a complaint, please contact us:

in writing Write to Halifax, Customer Relations, 1 Lovell Park Road, Leeds,

West Yorkshire, LS1 1 NS.

by phone Telephone 0845 727 3747.

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP
REPAYMENTS ON YOUR MORTGAGE

J315

Page 9 of 10

Offer expiry date	This offer will expire on 30^th November 2015. If you have not take out your mortgage by then, you will need to contact us to make new arrangements. I you decide not to enter into the mortgage you will not be reimbursed the fees which we have said in this offer are not refundable. You may also have to pay other fees which have been incurred, for example a conveyance’s fee for any legal work undertaken to date.
Interest rate change	Any change in interest rate will come into force on the date we say in the notice of change we give you. This cannot be earller than the date we give you the notice. If we do not give the date when the notice will come into force then (unless the law says differently) the date will be The second day after the day we post it. (unless we write to an address outside the United Kingdom then the notice will apply from the 7^th day after the day we post it) or The day we email you (unless we find out/through our computer systems that the email did not reach you on that day) or On the date the notice, is first published if it is a newspaper notice. If any of these days is a public holiday …a weekend that day will not count.
Additional Information	We can withdraw or change this offer at any time before the mortgage, starts. The circumstances in which the offer may be withdrawn or changed are set out in our information about your mortgage booklet. You do not have the right to withdraw from this mortgage once it has started. However, you have the right to repay the mortgage subkect to the payment of any early repayment charges or fees and any other terms which may apply.
Further Condition	Our, conveyancer must make sure that evey adult person who is to live with you at the property signs our form of consent to ortgage This does nt apply to your children and the children of anyone else living with you at the property. Provided you take out the mortgage, we will pay you 150 as a cashback. We will send your conveyancer this amount shortly before the date when you are due to take out mortgage. You can use this money for any purpose you want.

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Page 10 of 10

You must tell yotir conveyancer how you want to use this money or if you would like your conveyancer to pay it to you by cheque when you take out your mortgage. If, after your conveyancer has used the money in the way you have asked, there is some left over, your conveyancer will send you a cheque for the amount that is left. If you do not take out the mortgage for any reason and we have sent this money to your conveyance, your conveyance must return it all to us immediately.

You must pay the Mortgage account fee shown in section 8 on completion. The amount of the fee is fixed and it covers the sefting up, routine maintenance and closing down of the mortgage account. The fee will be paid on completion out of Part 2 of the loan shown in section 4 we will not chage interest on this part of the loan. Part of each monthly payment you make will repay Part 2 of the loan so that it is repaid over the term of your mortgage.

You are referred to the document entitled Coustomer Confirmation which was given to you when you applied for this mortgage. For your reference this document is also contained in the information about your mortgage booklet sent with this offer. It sets out the statements you made by applying for this mortgage and upon which we intend to rely.

Conveyancer: Adams Solicitors

Adams House

129 Mile End Road, London, E14BG

J317

Our reference MA71A/FFA/10:40

27^th May 2015

Mrs Kovely Begum and

Miss Laila Begum

Flat 5

5 Crosby House

Crosby Road

London

E7 9HX

HALIFAX

Halifax

35-37 The Mall

Stratford Shopping Centre Stratford

London

E15 1XE

Tel no: 0208 210 9437

Fax no: 0845 850 0201

Page 1 of 10

Mortgage roll number: 10151534435- 8

Please use this roll number when you contact us about your mortgage application.

YOUR MORTGAGE OFFER

Thank you for choosing us for your mortgage.

We, Halifax, a division of Bank of Scotland plc, offer you a mortgage on the conditions in this mortgage offer. Please check this offer and contact us if any details are incorrect.

Our mortgage conditions and 'Information about your mortgage' booklets apply to this offer and your mortgage. We have sent both these booklets with this offer. Please read them both

Carefully.

If you have any questions about this offer, or if you need another copy of either booklet, please contact us on 0208 210 9437.

The property Address 30 Scrattons Terrace

Barking

Essex

LG110TY

Property type House

Your names Mrs Lovely Begum

Miss Laila Begum

Halifax is a division or Dank of Scotland plc. Registefed Trt Scaand SC:327000

Registered Ctrice: The kfounid. Eril,nburigh EH1 1YZ.
Authorised by the 1PrudF,rittioi Regulation Authority and reguiazed by the Financial Conduct Authority and the Prudential Regulation Auttioeity. Financial Services Register number 169628
Telephona c.R1la may be monitored or recorded

J318

Page 2 of 10

About this offer document

You are not bound by the terms of this offer document until you have signed the legal charge and the funds are released for your mortgage. We are required by the Financial Conduct Authority (FCA) - the independent watchdog that regulates financial services - to provide you with this offer document. You should compare this offer document with the key facts illustration given to you before you applied for this mortgage, to see how the details may have changed.

2. Which service did we provide you with?

We have recommended, having assessed your needs, that you take out this mortgage.

We have not recommended a particular mortgage for you. You must make your own
choice whether to accept this mortgage offer.

3. Your mortgage requirements

This offer is based on borrowing £142,000 plus £295.00 for fees that will be added to the loan. These and the additional fees that you need to pay are shown in Section 8.

The term of the mortgage will be 25 years. The mortgage will be on a repayment basis.

The purchase price of the property is £240,000. The valuation of the property Is £240,000.

Changes to any of the information you have given us could alter the information in this offer. If this is the case, please ask for a revised offer.

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4. Description of this mortgage

The mortgage to which this offer relates will be provided by Halifax, a division of Bank of Scotland plc.

As this mortgage is made up of more than one part, these parts are summarised below.

Part	Loan amount	Product description	Term	Repayment method	Initial rate payable
1	£142,000	FAJI60 - a fixed rate of 1.890% which ends on 31/08/2017.	25 years	Repayment	1.890%
2	£295	MAFODI - a fixed rate of 0.000% until the end of the term.	25 years	Repayment	0.000%
Total	£142,2951

Part 2 of your loan is to pay off the Mortgage account fee shown in Section 8.

Part i of your loan reverts to Halifax Homeowner Variable Rate, currently 3.990%. after 31/08/2017 until the end of the term.

Halifax Homeowner Variable Rate is the lender variable rate which applies to this mortgage.

FAJI60 obliges you to take out or hold a Halifax Reward or Ultimate Reward Current Account or any Bank of Scotland Current Account as a condition of this mortgage.

The interest rate(s) applicable to this mortgage can go up or down. We will not notify you of any change in rate(s) between the date of this offer and the date you take out the mortgage_ We will confirm the rate(s) when you take out the mortgage.

5. Overall cost of this mortgage

The total amount you must pay back, including the amount borrowed is	£217,363.16
This means you pay back	£1.53 for every £1 borrowed
The overall cost for comparison is	3,7% APR

The figures in this section will vary following interest rate changes and if you do not keep the mortgage for 25 years.

Only use the figures in this section to compare the cost with another repayment mortgage.

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6. What you will need to pay each month

Monthly payments

A first payment that includes interest on the loan from the start of the mortgage to the end of the month before your regular monthly payments begin:

Part	Loan amount	Number of monthly payments	Repayment method	Initial interest rate payable	Fixed or variable rate	Initial monthly payment
1	£142,000	1	Repayment mortgage	1.890%	Fixed	£703.65
2	£295	1	Repayment mortgage	0.000%	Fixed	£3.98
Total	£142,295	Total monthly payment				£744.63

followed by

Part	Loan amount	Number of monthly payments	Repayment method	Initial interest rate payable	Fixed or variable rate	Monthly payment
1	£142,000	25	Repayment mortgage	1.890%	Fixed .	£593.36
2	£295	299	Repayment mortgage	0.000%	Fixed	£0.98
Total	£142,295	Total monthly payment				£594.34

After 31/08/2017 your fixed interest rate shown in part I will end. Assuming £734.36

interest rates do not change, your monthly payment will be:

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7. Are you comfortable with the risks?

What if interest rates go up?

The monthly payment on part 2 will not change because the interest rate is fixed for the term of the mortgage.

The monthly payment on part 7 will not change until the fixed rate ends on 31/08/2017. After any fixed rate part comes to an end the interest rate and monthly payment can vary.

The monthly payments shown in this illustration could be considerably different if interest rates 'change.

After the fixed rate on part 'I ends on 31/08/2017 then for one percentage point increase in the Halifax Homeowner Variable Rate, your monthly payment will increase by around £72.49.

RATES MAY INCREASE BY MUCH MORE THAN THIS SO MAKE SURE YOU

CAN AFFORD THE MONTHLY PAYMENT

What if your income goes down?

You will still have to pay your mortgage if you lose your job or if illness prevents you from working. Think about whether you could do this.

MAKE SURE YOU CAN AFFORD YOUR MORTGAGE IF YOUR INCOME FALLS

The Money Advice Service information sheet 'You can afford your mortgage now, but what if...? will help you consider the risks. You can get a free copy from www.monevadviceservice.orq.uk or by calling 0300 500 5000.

10. What fees must you pay? Fee amount

Fees payable to Halifax

Valuation fee. This fee was payable on application and is not refundable once £430.00

the property assessment has been carried out. You have already paid this fee.

Mortgage account fee which is payable when your mortgage starts. This fee is £295.00

to cover the setting up, routine maintenance and closing down of the mortgage account. The fee is not refundable. This fee will be added to the loan when your mortgage starts.

Other fees

Legal fees which are payable to your conveyancer before the mortgage starts. £155.39

The figure quoted here is an estimate of the costs for the work done. The total legal fees may be higher. This fee is not refundable.

You may have to pay other taxes or costs in addition to any fees shown here.

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9. Insurance

insurance you must take out through Halifax

You do not need to buy any insurance through Halifax.

Insurance you must take but as a condition of this mortgage but that you do not have to take out through Halifax

Buildings insurance.

10.'What haens If you do not want this mortgage any more?

Early repayment charges

Early repayment charges are payable if you repay part or all of this mortgage on or before 31/08/2017. See the table below for details.

Part	Date of repayment	Basis of charge
1	On or before 31/08/2016 On or before 31/08/2017	3.000% of the amount repaid 1 2.000% of the amount repaid

Cash examples for repaying the mortgage in full during the early repayment charge period are shown below

Date of repayment	Cash example'
On or before 31/0812016	£4,260.00
On or before 31/08/2017	£2,735.37
The maximum charge you could pay is £4,260.00.

What happens if you move house?

You can take the following product(s) with you to a new mortgage on another property during the product rate period:

Fixed rate Fik.5160

When the product rate period has ended any lender variable rate that then applies to that part of the mortgage is not portable.

If you need to repay your mortgage to move home during the product rate period, provided you do not change lender (and, where the lender provides mortgages under more than one brand, you do not change brands), you will usually be able to take the terms of the product with you and they will continue for the remainder of the product rate period. In addition, if this is during an early repayment charge period, provided you borrow the same or a greater amount, you won't normally have to pay the charge. If the loan is for a smaller amount, you may have to pay part of -the charge.

Further information regarding portability can be found in the section headed 'Early Repayment Charges' in the booklet 'Information about your mortgage' issued with mortgage offers.

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11 . What happens if you want to make overpayments?

You are able to make lump sum or regular overpayments to this mortgage at any time. For details of any early repayment charges that may apply please refer to Section 10.Currently. as a concession during the period when an early repayment. charge applies. youcan make overpayments up to 1096 of the outstanding balance each calendar year (using thebalance as at 1 January of the year in question or, in the year in which you take out yourmortgage, the original balance) and the charge will be waived. We reserve the right to changeor withdraw this concession.Where your mortgage is shown on systems as being divided into more than one sub-account(for example, where parts of the mortgage are on different products). then the waiver will applyto the balance on each sub-account separately. For more detail on when the mortgage will bedivided into sub-accounts please see the booklet ‘lnformation about your mortgage' which isissued with mortgage offers.it the sum of your overpayments exceeds 10% (but you do not repay the sub-account in full),the early repayment charge applies only to the amount you overpay above 10%. if the sub-_account is repaid in full, the full early repayment charge is payable. Vlﬂ'tere you make overpayments of 10% or less but then repay the balance in full within six months, the early repayment charge will become payable in full, including the portion which was waived previously. Our daily interest method will apply and the interest charged takes account of any changes in the mortgage balance from day to day. Any payment you make will reduce the balance and therefore the amount of interest you are charged. from the day that we receive it.

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12. Additional features '

Underpayments

You may pay less than the normal monthly payment for one or more months or miss one or more monthly payments (make underpayments). provided you have previously made overpayments and the amount of the underpayments does not exceed the amount of your previous overpayments less any amount you have previously underpaid. You must give notice of the months in which you wish to underpay.

Wnere your monthly payment and/or your mortgage term are changed (for example, following an interest rate change) and the change takes any previous overpayments into account, then those overpayments will no longer be available for the purpose of making underpayments.

Payment holidays

Payment holidays may be available but are subject to rules that may be changed from time to time. lf you apply, checks that yciu meet the rules in force at the time will be made. Payment holidays are not-guaranteed. The current rules can be found in the booklet 'lnformation about , your mortgage' which is issued with mortgage offers but you should ask for details of the latest rules when you make your request.

Incentives

You will receive £150.00 as a cashback. This is payable when the mortgage completes. We

will send this money to your oonveyancer.

Mortgage product. FAJ160 includes cashback of 1°/o of the total loan amount, shown in section ~

4. to a maximum cashback of [2500 We will send this to the account from which you pay your

mortgage within 30 days of your mortgage start date.

13. Where can you get more information about mertgages?

The Money Advice Service publishes useful guides on choosing a mertgage. These are available free through its website:www.moneyadviceservice.org.uk, or by calling 0300 500 5000. The website also provides Comparative Tables to help you shop around.

Contact details

If you wish to discuss this mortgage offer, please contact Halifax, at 35-37 The Mall, Statford Shopping Centre, Stratford, London, E15 1 X E or on 02082109437.

What to do if you have a complaint

If you wish to register a complaint, please ontact us:

In writing to Halifax, Customer relations, 1 Lovell Park Road, Leeds West Youkshire, LS1 1NS.

By phone Telephone 0845723747

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsm,an Service.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP
REPAYMENTS ON YOUR MORTGAGE

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Offer expiry date	This offer will expire on 30^th November 2015. If you have not take out your mortgage by then, you will need to contact us to make new arrangements. I you decide not to enter into the mortgage you will not be reimbursed the fees which we have said in this offer are not refundable. You may also have to pay other fees which have been incurred, for example a conveyance’s fee for any legal work undertaken to date.
Interest rate change	Any change in interest rate will come into force on the date we say in the notice of change we give you. This cannot be earller than the date we give you the notice. If we do not give the date when the notice will come into force then (unless the law says differently) the date will be The second day after the day we post it. (unless we write to an address outside the United Kingdom then the notice will apply from the 7^th day after the day we post it) or The day we email you (unless we find out/through our computer systems that the email did not reach you on that day) or On the date the notice, is first published if it is a newspaper notice. If any of these days is a public holiday …a weekend that day will not count.
Additional Information	We can withdraw or change this offer at any time before the mortgage, starts. The circumstances in which the offer may be withdrawn or changed are set out in our information about your mortgage booklet. You do not have the right to withdraw from this mortgage once it has started. However, you have the right to repay the mortgage subkect to the payment of any early repayment charges or fees and any other terms which may apply.
Further Condition	Our, conveyancer must make sure that evey adult person who is to live with you at the property signs our form of consent to ortgage This does nt apply to your children and the children of anyone else living with you at the property. Provided you take out the mortgage, we will pay you 150 as a cashback. We will send your conveyancer this amount shortly before the date when you are due to take out mortgage. You can use this money for any purpose you want.

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Conveyancer: Adams Solicitors

Adams House

129 Mile End Road, London, E14BG

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Our reference MA71A/FFA/10:40

27^th May 2015

Mrs Kovely Begum and

Miss Laila Begum

Flat 5

5 Crosby House

Crosby Road

London

E7 9HX

HALIFAX

Halifax

35-37 The Mall

Stratford Shopping Centre Stratford

London

E15 1XE

Tel no: 0208 210 9437

Fax no: 0845 850 0201

Page 1 of 10

Mortgage roll number: 10151534435- 8

Please use this roll number when you contact us about your mortgage application.

YOUR MORTGAGE OFFER

Thank you for choosing us for your mortgage.

We, Halifax, a division of Bank of Socotland plc, offer you a mortgage on the conditions in this mortgage offer. Please check this offer and contact us if any details are incorrect.

Our mortgage condition and Information about your mortgage booklets apply to this offer and your mortgage. We have sent both these booklets with this offer. Please read them both carefully.

If you have any questions about this offer, or if you need another copy of either booklet, please contact us on 02082109437.

The property Address 30 Scrattons Terrace

Barking

Essex

LG110TY

Property type House

Your names Mrs Lovely Begum

Miss Laila Begum

Halifax is a division or Dank of Scotland plc. Registefed Trt Scaand SC:327000

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1. About this offer document

You are not bound by the terms of this offer document until you have signed the legal charge and the funds are released for your mortgage. We are required by the Financial Conduct Authority (FCA) - the independent watchdog that regulates ﬁnancial services - to provide you with this offer document. You should compare this offer document with the key facts illustration given to you before you applied for this mortgage. to see how the details may have changed.

2- which service did we provide you with?

We have recommended, having assessed your needs. that you take 'out this mortgage.

We have not recommended a particular mortgage for you. You must make your own choice whether to accept this mortgage offer.

3. Your mortgage requirements

This offer is based on borrowing £142,000 plus £295.00 for fees that will be added to the loan.

These and the additional fees that you need to pay are shown in Section 8.

The term of the mortgage will be 25 years.

The mortgage will be on a repayment basis.

The purchase price of the property is £240,000.

The valuation of the property is £240,000.

Changes to any of the information you have given us could alter the information in this offer. if

this is the case. please ask for a revised offer.

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Page 3 of 10

4. Description of this mortgage

The mortgage to which this offer relates will be provided by Halifax, a division of Bank of

Scotland plc.

As this mortgage is made up of more than one part, these parts are summarised below:

Part	Loan amount	Product description	Term	Repayment method	Initial rate payable
1	£142,000	FAJ160 - a fixed rate of 1.890% which ends on 3110812017	25 years	Repayment	1.890%
2	£295	MAFOO1 - a ﬁxed rate of 0.00096 25 years Repayment 0.000% until the end of the term.	25 years	Repayment	0.000%
Total	£142,295

Part 2 of your loan is to pay off the Mortgage account fee shown in Section 8.

Part 1 of your loan reverts to Halifax Homeowner Variable Rate, currently 3.990%, after

31/08f2017 until the end of the term.

Halifax Homeowner Variable Rate is the lender variable rate which applies to this mortgage.

FAJ160 obliges you to take out or hold a Halifax Reward or Ultimate Reward Current Acc0unt or

any Bank of Scotland Current Account as a condition of this mortgage.

The interest rate(s) applicable to this mortgage can go up or down. We will not notify you of any

change in rate(s) between the date of this offer and the date you take out the mortgage. We will

conﬁrm the rate(s) When you take out the mortgage.

5. Overall cost of this mortgage

the overall cost takes into account the payments in Sections in Sections 6 and 8 below. With a repayment mortgage you gradually pay off the amount you have borrowed, as well as the interest, over the life of the mortgage.

The total amount you must pay back, including the amount borrowed is

The means you pay back

The overall cost for comparison is

£217,363.16

£1.53

For every £1 borrowed

3.7% APR

The figures in this section will vary following interest rate changes and if you do not keep the mortgage for 25 years.

Only use the figures in this section to compare the cost with another repayments mortgage.

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6. What you will nead to pay each month Monthly

payments

A first payment that includes interest on the loan from the start of the mortgage to the end of the month before your regular monthly payments begin:

Part	Loan amount	Number of monthly payments	Repayment method	Initial interest rate payable	Fixed or variable rate	Initial monthly payment
1	£142.00	1	Repayment mortgage	1.890%	Fixed	£703.65
2	£295	1	Repayment mortgage	0.000%	Fixed	£0.98
Total	£142,295	Total monthly payment				£704.63

Followed

Part	Loan amount	Number of monthly payments	Repayment method	Initial interest rate payable	Fixed or variable rate	Monthly payment
1	£142.000	25	Repayment mortgage	1.890%	Fixed	£593.36
2	£295	25	Repayment mortgage	0.000%	Fixed	£0.98
Total	£142.295	Total monthly payment				£594.34

6a. What you will need to pay in future monthly, Payments

After 31/08/2017 your fixed interest rate shown in part 1 will end. Assuming £734.36 interest rates do not change, your monthly payment will be:

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Page 5 of 10

7. Are you comfortable with the risks?

What if interest rates go up?

The monthly payment on part 2 will not change because the interest rate is fixed for the term of the mortgage.

The monthly payment on part 1 will not change untit the fixed rate ends on 31/08/2017. After any fixed rate part comes to an end the interest rate and monthly payment can vary.

The monthly payments shown in this illustration could be considerably different if interest rates change.

After the fixed rate on part 1 ends on 31/08/2017 then for one percentage point increase in the Malifax Homeowner Variable Rate, your monthly payment will increase by around £72.49.

RATES MAY INCREASE BY MUCH MORE THAN THIS SO MAKE SURE YOU CAN AFFORD THE MONTHLY PAYMENT

What if your income goes down?

You will still have to pay your mortgage if you lose your job or if illness prevents you from working. Think about whether you could do this.

MAKE SURE YOU CAN AFFORD YOUR MORTGAGE IF YOUR INCOME FALLS

The Money Advice Service information sheet ‘You can afford your mortgage now, but what if...?’ will help you consider the risks. You can get a free copy from www.moneyadviceservice.org.uk, or by calling 0300 500 5000.

8. What fees must you pay fee amount

Fees payable to Halifax

Valuation fee. This fee was payable on application and is not refundable once £430.00 the property assessment has been carried out. You have already paid this fee.

Morigage account fee which is payable when your morigage starts. This fee Is £295.00 to cover the selting up, routine maintenance and closing down of the mortgage account. The fee is not refundable. This fee will be added to the loan when your mortgage starts.

Other fees

Legal fees which are payable to your conveyancer before the morigage starts. £155.39 The figure quoted here is an estimate of the costs for the wark done. The total : legal fees may be higher. This fee is not refundable. ‘

You may have to pay other taxes or costs in addition to any fees shown here.

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