--- /dev/null	Thu Jan 01 00:00:00 1970 +0000
+++ b/handelsbank.txt	Mon May 19 14:09:43 2025 +0100
@@ -0,0 +1,31 @@
+Fraser
+
+Interest only: 75%LtV max 262K max
+Loan to income 4.49 loan to income  220 means gross 49K
+Subject to affordability is servicable on interest
+2 year interest only is fine, repayment strategy would be a sale maybe
+discounted 30%
+
+Full pension numbers needed.
+
+F to check on the age issue
+
+Maybe the age would be an issue if we wanted to change to a mortgage
+after two years...
+
+Prepayment charge 
+
+Evidence will be required, soon, mortgage advisor does the regulatory
+overview and recommends a product.
+
+Stepped 2yrfixed 2% for full repayment 10% no fee
+         floating rate 
+
+Need to ask for consent to lease
+All of the above is for a residential mortgage
+
+AiP once fact-find document is filled in and sent back, should be
+quick based on what I've told him now.
+
+6-8 weeks to actually give us the money.
+