Things you need to know

On Friday 2nd May 2008 we're restructuring our products and rates to give your customers more choice when they are selecting Mortgage Express deals. We're making some changes to our Buy-to-Let and Self Cert rates, and we're introducing additional LTV bands for Buy-to-Let, with deals at 75%, 80% and 85% LTV.

We are also moving all our fixed rate end dates to 31st July. Our Lifetime products are unaffected.

The final dates for our existing rates are:

• Binding decisions - Close of business 1st May 2008
• Unpackaged applications - 8th May 2008
• Packaged applications - 22nd May 2008
• Offer issue - 12th June 2008
• Completions - 6 months after offer issue date

As usual, we will update our core and exclusive product rate sheets. The core details will be available on www.mortgage-express.co.uk from 2nd May 2008.

If you have any questions about these changes, please contact your local BDM.

To make it easier for you to get copies of our core product and marketing literature, we've introduced an online ordering service. Simply click on 'Contact us' in the left-hand menu, follow the link and fill in the form - your order will be sent to you as soon as possible.

Remember

• If we're in the process of making product changes, it may take slightly longer to process your order while we update our literature
• We encourage our business partners to be environmentally aware - so please only order what you really need!
• Most of our material is also available to download as PDFs from this website

As of midnight on Tuesday 22nd April 2008 Mortgage Express no longer accepts any remortgage business where the borrower has owned the mortgaged property for less than six months.

From the same date, we have also made some changes to our Buy-to-Let and Buy-to-Let limited company deals:

• We have withdrawn our Extended Criteria 110% rental cover option
• We have withdrawn all 2 year deals

Existing cases where a binding Decision In Principle (DIP) has been issued will be processed subject to the following application deadlines:

• Unpackaged - Close of business 29th April 2008
• Packaged - Close of business 8th May 2008

If you have any questions, please contact your local BDM.