5085PH User Guide-ClickOffer A/W
Contents
1. ee Password Tick the boxes below to select which of our e bulletins you would like to receive You can unsubscribe at any time F Products amp Services latest Platform product amp services news News amp Events general Platform news 3 Tick this box if you wish to receive sales amp marketing details of products special offers and services that may interest you from Platform via post P m Tick this box to confirm that you have read and accept cm La terms of use info aplatform co uk 0845 070 1999 Wd Your security guestion will be reguested if you forget your password to enable us to confirm your identity Your password will be reguired to log into click Before finalising your registration confirm whether you wish to receive updates on Platform s product and services via email and or post Existing users Once you have registered and become an existing user you simply log in by entering your email address and password within the click login box You will be able to access the click login box from all intermediary areas of the Platform website Please note you can change your click login details within the Personal profile screen of the click main menu page See page 5 for further details If you have any problems registering on the click system please contact our intermediary support team on 0845 070 1999 option 1 platform co uk i lO Click main men2. platform amp A ClICK user guide Contents The click user guide has been produced with intermediaries busy schedules in mind The system s intuitive design lends itself to a quick reference guide therefore the user guide is split into the main steps of the application process making it easy to navigate to the screen reguired Click award winning functionality includes Secure online payments Reduced processing times No paper form filling Electronic ID Pre population of data to reduce keying Case tracking In built affordability calculator We hope that you find this user guide helpful Should you have any further guestions or comments please use the contact details below to let us know 2009 gt Accreditation KKKKk Cs trank Eve LENDER INTERMEDIARY TECHNOLOGY BENCHMARK STUDY Contents Getting started New user Existing user Click main menu Client list Client portfolio Clickkfi Process Points to note Management information Clickdecision Process Points to note Management information Clickapplication Process Points to note Management information General click features infofdplatform co uk 0845 070 1999 Wa platform co uk a Getting started New user If you are a new user to click simply enter the intermediary homepage and click on the register button within the click login box Enter the intermediary homepage here intermediaries Enter This
3. application has been missed or seems incorrect You will also have the opportunity to add any additional information confirm the direct debit information is correct and accept the terms and conditions before proceeding Score Result Click will then re score the application based on the further information supplied from the decision Within this screen you can either re score at this point or finish the application and return to it at another time Once you have rescored the application the score result screen will advise whether the application has been accepted or declined Pay amp Send transaction details In the final screen transaction details you will be required to enter the credit debit card details being used to pay any additional fees that are not being added to the loan Please note only the applicant s or the introducer s card may be used to make this payment Score Result Once this transaction has been made click will also check whether the case is suitable for an automatic valuation AVM You will then be presented with one of three outcomes 1 The case is not suitable for an AVM additional payment for a physical valuation will be requested 2 The case is suitable for an AVM but not an instant offer 3 The case is suitable for an AVM and we were able to generate an instant offer Please refer to Points to note for more information platform co uk ia e Clickapplication Points to no
4. include Application fee Broker fee m Legal Free Standard Legals You will also be asked to confirm the procuration fee paid by Platform please refer to our product guide for further details on our introducer fees Management information From the client portfolio screen Fig 11 you can view details of the kfi Fig 11 Fee details Application fee epo _ Broker fee charged direct to customer E Included in loan No s amount Estimate oflegal fees 000 Incudedinioan Names of Intermediary and any third parties to New Start Mortgages receive procuration fee lo Value of any procuration fee passed back to E 0 00 Right to Buy express completion required fee payable Procuration fee payable by Platform to intermediary and any third parties ER customer Please make sure that all the required fields marked with are filled in c kfi decisi lication f ti Send to column illustrates whether you are SD er youee an submitting through Platform direct or via a packager heey CHC DACH New EFI dd spolicathon 4 Click on an existing KFI or decision to view if or use hose det ais to create a new document made as TF a eae ar Eu ns ye EE sr Ol Em eta T3 rp rence Loan details i e product and ber loan amount kfi refe num info aplatform co uk Wa 0845 070 1999 10 Print function provides a downloadable pdf document which can be printed or sa
5. sentim fs fo Tr 55 HE Ne ae gavis ilis nab intended foi mn by members ol tha nutili Solicitors Hterature info aplatform co uk Wa Public and current customers oe lt e o En ter This section is for current customers and members of the public YOUR HOME MAY BE REPOSSESSED F YOU DO HOT KEEP UP REPAYMENTS ONH YOUR MORTGAGE 0845 070 1999 Click on the register button within the click login box Leim j Register 3 platform co uk a Getting started New user Once you click on the register button you will be taken to the registration page All fields marked with a are mandatory and need to be completed to register Fig 3 Your details ir pet arc wdn IFA ie alba os euch ed eprev ced Wen register far Platforms online services please contact us an 43 070 1773 before 1 Your email address is required to log into click 2 We require your bank details to enable us to pay any fees due to you Please make sure the bank details you enter are correct as any mistakes may delay payment to you Are wou an WATE User info aplatform co uk 0845 070 1999 platform co uk Sd O Ae Getting started Security details Once you have completed the registration form you will need to select a security guestion and set your password Fig 4 Registration security details Please fill in the Securit z Fe 4 Memorable Name w al Answer Cee Confirm lt anes Cee
6. several channels see Fig 8 This information will by the Business Route selected This field is used to select the names of any then be pre populated from the kfi through to application Business routes additional parties involved with the case i e a packager name or mortgage available are club name The selection of another party in this field will determine which products will be available for selection m Direct to Platform this is to be selected when you wish to proceed on an unpackaged basis Please note If you are an appointed representative of a network this will m Via a Packager this is to be selected when you wish to use a packager automatically be identified when you log in and you will not reguire to enter E Via a Branded Partner this is to be selected when you wish to use a any further details branded partner Fig 9 Product Business route Is mortgage advised yes No Fig 8 9 Platform Core Range Exclusive Products Product Range 9 Conforming O Non Conforming Product status Status Product Business route Product please select Direct to Platform Via a Packager Via a Branded Partn info aplatform co uk 0845 070 1999 platform co uk Sa Y II O OL Fig 10 Clickkfi Fee details screen In the Fee details screen Fig 10 you are asked to enter the fees that are being charged to your customer and select whether they will be added to the loan Fee details
7. 9 16 platform co uk a Fig 17 Clickapplication Score Result Accepted NHADAU Print receipt function for payments Thank you We have received your payment of 275 00 Management information PERRETAN eirt receipt 1 Application received by Platform made by credit debit card The automatic valuation was not successful and a Application summary provides you with physical valuation will be required as stipulated FIT y SI YA 100 000 00 full details of the application Term 25 years 2 Print Reguired Documents RE Non Conforming Almost The documents below need to be printed signed and sent to f PUM NE secs 66 66 Yoav ag will allow us to process the application as quickly LTV 3 Va RH ME 3 Ud TRACKER Documents required to be sent back to sa ER ST EAE STERA Platform to allow us to process the ae oo E14 9FR Reference Permission icant 1 United Kingdom application as quickly as possible Please print and sign the reference request letters and send to us i Please note if any of the application data has been changed you 3 Provide supporting information will need to review the documents listed beneath Information to Please also provide the following information to support the application You will need to supply all these items for the application to go to offer print for your records You may also wish to reprint these documents to ensure you have the most up to date informa
8. ear s p60 and last two paystips requested Either Valuation Report or Application Fee if applicable Proof of ID for App 1 from list 2 required see our Literature section of this site If accepted click will produce a shopping list of documentation required to complete the application Loanagreed 100 000 00 for details Termagreed 25 Proof of ID for App 1 from list 1 required see our Literature section of this site for details beh Behe A Proof of mortgage payments on all residential mortgages held in the last 6 Suggested Conforming months _ product Prime info aplatform co uk 0845 070 1999 platform co uk Seen a 13 Clickdecision Management information From the client portfolio screen you can view details of the kfi and decision Fig 15 Send to column illustrates whether you are Create a new kfi decision or application for your client submitting through Platform direct or via a packager a KF Hew Cecrspon EE Next step will state whether 100 000 00 Pla Dire ect Use for application b you can use your decision for the next step in the click process A AO Decision and kfi Loan details i e product and Print function provides a downloadable pdf document reference number loan amount which can be printed or saved to your own PC info aplatform co uk 0845 070 1999 platform co uk Sr IA O YS Ie O 14 Clickapplication You can proceed t
9. en processing a clickkfi you will be asked to complete the following screens Product details This screen requires you to enter the customer and product details which include verifying your chosen business route see Fig 8 Loan details You will be reguired to confirm and enter the details of The loan e g purchase or remortgage Free Standard Legals if applicable Purchase price and loan amount click will automatically calculate the LTV Mortgage term Repayment type Tenure Please note You can proceed directly to clickdecision if you have completed a 3rd party kfi i e through sourcing systems or if the case does not require a kfi Fee details Here you can enter the details of the fees being charged to your customer and whether they will be added to the loan see Fig 10 in Points to note for more information Intermediary details This screen shows confirmation of your company contact details Insurance amp payment details You can enter details of optional insurance details for your reference info aplatform co uk 0845 070 1999 platform co uk v ei Clickkfi Points to note Listed below are some useful tips to guide you through the screens of clickkfi Product details screen business route selection Product selection The business route selection gives you the option to send your business The options available in the Product Range see Fig 9 field are determined to Platform through
10. er purposes subject to the provisions of the Data Protection Act If the applicant s does not want these details to be used for marketing and other purposes they must write to the Lender and 5 Under the terms of the Data Protection Act applicants have the right to obtain a copy of the information held about them upon payment of the appropriate fee E I am the packager am keying this information using details from the customers signed application farm provided to me by the Broker am submitting the application on behalf of the broker and have the customer s signed Platform declaration in my possession Or am the broker and have read and accept the terms and conditions above please tick the box to continue info aplatform co uk 0845 070 1999 platform co uk _ a 12 Clickdecision Results screen Fig 14 Latest decrson better You have options to print the You can now submit your application online latest decision letter and to FOYOT AE AY NR convert to application Your request for a decision has resulted in an Accept based on the information provided Please check all information is correct before converting this Decision to an Application Decision Accept 23 04 2008 10 55 44 Creditsearch Completed We wil require the folowing information once you have submitted your application Appa Sobek 4 Eki Lass Proof of residency for applicant 1 at current address Loan 100 000 00 Latest y
11. have informed the applicant s at the time that the information contained in this form will be used and disclosed in the following ways and they consent to this Loan amount outstanding Secured Tick if to be repaid on completion of mortgage C 1 This application will be assessed by the Lender using a credit assessment process and by searching files of Credit z Reference and Fraud Prevention Agencies who will record the search Please note that if this is a copy of a previous decision this may create an additional footprint for your clientis where you have amended the following information Date of birth current address previous address es and Time at address es If you have not amended this data then it will only be re scored and will not create another footprint sa oa IY rs f oo on L Any details provided by the applicant s or relating to this application will be held in the Lenders records 3 The Lender will disclose details about the applicant s and this application to the Credit Reference and Fraud Prevention Agencies who may make them available to subscribing lenders The applicant s is are aware of the importance of providing accurate information and that any false or inaccurate information wil be made available to Credit Reference and Fraud Prevention Agencies Ao more loans 4 The Lender may use these details and may disclose them within the Britannia Group and others for marketing and oth
12. kapplication Option to create a new client if you are unable to locate a client info aplatform co uk 0845 070 1999 platform co uk SW IO O mt e Click main menu Client portfolio Once you have created a kfi decision or application for a client a client portfolio Fig 7 will be created Send to column illustrates whether this has been sent directly to Platform or via a packager Ability to find another client Fig 7 Telephone 0645 070 1999 Mon Fri 09 00 17 00 Main menu Logout Products 6 clickapplication Client portfolio Find another client gt Title Forename Midde name s Surname Ability to create new kfi s decisions or applications for that particular client _ New KEI gt gt If a decision has been accepted the Next step function will provide a link to convert to application View client s portfolio of kfi s decisions and applications The Complete column will show the status of Print function provides a the kfi decision or application Status types are downloadable pdf document which can VY complete X incomplete be printed or saved to your own PC infofdplatform co uk 0845 070 1999 platform co uk Sr OO u e AI Clickkfi The first stage in the click process is clickkfi Information from the kfi can be transferred across to clickdecision and clickapplication Process Wh
13. links are situated within clickdecision and NOE CT or conforming product Non Contoming v Policy clickapplication Each link will provide access to reguired the relevant section of our lending policy Help links The help links will provide details of what Are all of the applicants first time buyers 7 Policy Save and go back to client list portfolio Throughout all screens of click you have the ability to either save and go back to the main client list or Save and go to client list Save and go to client portfolio save and go back to your particular client s portfolio The links are situated at the bottom of every page info aplatform co uk 0845 070 1999 platform co uk Tj 18 Calls from a BT landline will cost no more than 2p per minute plus a call set up fee of 6 85p Mobile and other providers charges may vary Calls may be monitored This user guide is for the use of financial intermediaries only It is not to be disclosed or given to the public or intended as a consumer advertisement Platform Home Loans Limited Registered in England amp Wales Number 2334606 Registered Address Exchange Tower 2 Harbour Exchange Sguare London E14 9FR Platform is the trading name of Platform Home Loans Limited FSA No 303337 and of Platform Funding Limited FSA No 303387 both authorised and regulated by the Financial Services Authority NS Seo a February 2010
14. o clickapplication once you have an accepted clickdecision Process When processing a clickapplication you will be asked to complete the following screens Confirm kfi You will be asked to confirm whether you have supplied a Platform or 3rd party Kfi Product If you completed a Platform kfi the information in the product screen will be pre populated If you have a 3rd party Kfi you will be reguired to enter the product selection Applicants You will be reguired to enter the applicant s details such as National insurance number Contact details Residential details Additional properties Employment In the employment screen you will be reguired to enter the employment details for your applicant s Property The property screen reguires details of The property that is being mortgaged Solicitor details Insurance details Fees On the fees screen you will be required to enter and confirm the details of info aplatform co uk Wa 0845 070 1999 Key features and benefits An accepted decision is required for application Information pre populated from decision Automated Valuation Model Able to send to packager or Platform Pre filled application form available at the end of the process Updated shopping list at the end of the process Direct debit information Repayment vehicle Third party fees Applicant fees Check The check screen will verify whether any required information within the
15. requires confirmation as to whether the applicant has ever E Been made bankrupt Had a voluntary arrangement Had a property repossessed Received housing benefits You will also be asked to provide details as to whether the applicant has had a mortgage or tenancy agreement in the last 12 months If so you will be asked to provide details if any arrears have been incurred Check and send Check and send will then begin to process the clickdecision You will be asked to confirm that you accept the terms and conditions of the decision and confirm that you are the packager or broker working on behalf of the applicant Results screen The results screen will confirm whether the decision has been accepted You will also be able to download a copy of the latest decision letter and convert to application platform co uk e eOe l Clickdecision Points to note Listed below are some useful tips to guide you through the screens of clickdecision Employment screen Check and send screen Ensure that details of any outstanding loans and credit commitments At check and send Fig 13 you will be asked to confirm that you accept a credit are entered within the Employment screen Fig 12 score is about to be run on your client This information will affect the final decision This will leave a hard footprint on your client s credit file I confirm that I am acting on behalf of the appticant s in connection with mortgage requirements
16. te Listed below are some useful tips to guide you through the screens of clickapplication Automatic valuation Score Result Accepted Hext steps The automatic valuation was not successful so a physical valuation will be instructed for this application Please use the Pay and Send to Platform link to pay the difference in valuation fees and your application will be submitted for processing Please refer to the Platform product guide for a breakdown of valuation fees WARHING If this change results in the need for arevised presales KFI please ensure you produce new documentation for your client Pay and Send If the case does not qualify for an AVM you will be prompted to pay the remainder of the cost of a physical valuation fee info aplatform co uk Wa Fig 16 Score Result Accepted Next steps This result is based on the outcome of an automatic Valuation performed by Platform No physical valuation will be required on this case 1 Application received by Platform 2 Print Required Documents The documents below need to be printed signed and sent to Platform This will allow us to process the application as quickly as possible If the case is suitable for an AVM a message will show that no physical valuation will be required We will also indicate what documentation is required to support the application The documents will be available to download from the results screen 0845 070 199
17. tion for your records We will require the following information once i you have submitted your application AN EDD YU WI RO Information provided as a pdf document ED Y DY O RYN WE ATO available to print for your records e g address Checklist Proof of mortgage payments on all residential Pre filled application e Checklist mortgages held in the last 6 months Reference Permission Applicant 1 e Pre filled application e Latest year s P60 and last two payslips Pre Sales KFI Regulated e Reference permission e_Proof of ID for applicant 1 from list 2 L i required see our Literature section of this eee a e Pre sales kfi site for details Proof of ID for appticant 1 from list 1 required see our Literature section of this site for details Please print and forward a signed reference permission form for applicant 1 e Dip response letter Print checklist of supporting items Send all documents to Platform Exchange Tower 2 Harbour Exchange Square London E14 9FR info aplatform co uk 0845 070 1999 platform co uk _ a 17 General Click features There are many functions within click that have been implemented to make the application process easier for you Detailed below are some of the main functions Guick address House number ormame Postcode 5 E Enter the house number and postcode and our address search function will do the rest Address search Policy links Policy
18. u The first screen you will enter once logging in is the click main menu see Fig 5 You can view amend and create kfis decisions and applications for existing clients Fig 5 Main menu Lee out Products ma You can create pre sale kfi decisions and applications for new clients Track your applications through the clicktrack e ay a Existing client Witrw Or amend gr s FI decon i ADDL aton hew pre sale Er y Gecishen appilc atn rr Uhr Gr T j a nn le li T Hew client Porm EA ee ee i Hey pre sale Kri Track your anpibc ynon functionality Hew geg inan Haw application Enables you to update your personal profile including amending your password registering an administrator and updating your communication preferences Your account Additional info View our click userguide Derto l profile Clic Juzer puide a i Seo LFTHL Proc fee 4cale I Trn of OSes info aplatform co uk 0845 070 1999 platform co uk _ a Click main menu Client list Once you have completed a kfi decision or application for any client these are added to the client list The client list screen Fig 6 can be accessed via the Existing client section within the click main menu You can find an existing client by surname reference number or last updated Main menu 1 Ue G l Products J clic
19. ved to your own PC Next step will state whether you can use your kfi for the next step in the click process platform co uk a Clickdecision Once you have completed a kfi you can convert to a decision lf your case does not reguire a kfi or you have obtained a kfi from another source i e from a sourcing system you can proceed straight to clickdecision Process When processing a clickdecision you will be asked to complete the following screens Product details You will be reguired to enter further details of the products and loan within this screen e g purpose of the mortgage purchase dates original purchase price etc Applicants Here you will be reguired to complete the following details on the applicants Marital status Date of birth Number of dependents Address details for the last 3 years Residential status Employment In the employment screen you will be asked to complete the applicant s employment details and provide information on any outstanding loans info aplatform co uk Wa 0845 070 1999 Key features and benefits Information pre populated from pre sale kfi if converted Decisions are binding Electronic ID Affordability based lending model Cascade underwriting If product selected is not available a more suitable product will be provided Detailed shopping list provided of documentation required to complete the application Credit history The credit history screen
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