We're implementing the new ESIS illustration

From 5 November we will switch from issuing a Key Facts Illustration (KFI) to a European Standardised Information Sheet (ESIS) for all regulated mortgages.

As a reminder, an ESIS will contain more detail about the mortgage and the terms on offer. This includes new sections such as ‘Lender details’, ‘Complaints’ and ‘Other rights of the borrower’.

Please be aware, from 5 November all of our Owner Occupier application forms will state ‘illustration’ rather than ‘Key Facts Illustration’.

How will this affect current pipeline applications?
All mortgage applications received before 5 November will be issued with a KFI+ style enquiry illustration. From 5 November, an ESIS style enquiry illustration will be issued.

How will this affect current pipeline applications?

Please let your clients know the new ESIS style Offer illustration differs in appearance and layout from the existing KFI+ style illustrations.

If you have any questions or have a case you would like to discuss, please contact your local Business Development Manager or our Mortgage Desk.

Affordability Calculator

Find out how much your residential client may be able to borrow. To see affordability for a Buy to Let client, use our Buy to Let calculator

Find Your Local

Business Development Manager

Your Local BDM:

Sam Morrison

Working out of our head office, as our phone-based BDM in Epsom, Sam has a wealth of knowledge regarding our processes and criteria and covers a variety of postcodes across the UK.

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Your Local BDM:

Neil Cadwallader

Neil has over 19 years experience in Financial Services from pensions and investments to mortgages. Neil focuses around South Wales and the West of England area. Contact Neil for help with your clients' mortgages.

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Your Local BDM:

Stuart Heavens

Stuart focuses on the South Coast area. Contact Stuart for help with your clients' mortgages.

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Your Local BDM:

Amar Mashru

Amar focuses on the Central London area. Contact Amar for help with your clients' mortgages.

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Your Local BDM:

Arif Kara

Arif was previously a mortgage adviser, and focuses on North and West London. Contact Arif for help with your clients' mortgages.

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Your Local BDM:

Nathan Waller

Nathan, previously a mortgage broker, focuses on Cambridgeshire, East Sussex, Essex, Suffolk, Hertfordshire, Bedfordshire, Lincolnshire, Norfolk and Kent. Contact Nathan for help with your clients' mortgages.

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Your Local BDM:

Grace Bennett

Grace focuses around the West M25 area. Contact Grace for help with your clients' mortgages.

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Your Local BDM:

Darren Deacon

Darren has over 28 years' Financial Services experience and focuses on both the East and West Midlands as well as the Southwest. Contact Darren for help with your clients' mortgages.

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Your Local BDM:

Paul Roberts

Paul has over 30 years' experience and focuses on the North (inc. M62 corridor), Yorkshire and the North East. Contact Paul for help with your clients' mortgages.

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We do not currently have a BDM covering your area. Please contact our Mortgage Helpdesk:

Opening hours: Monday - Friday: 9am - 5.30pm. Saturday: Closed

We may record any telephone calls we have with you in the interest of staff training, monitoring customer service or for security purposes.

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