We will consider lending behind fixed rate, daily interest, flexible, credit reserve, open plan, and other “nonstandard” mortgage types. In certain circumstances, first charge lenders have an “obligation to make further advances” on the security. Before we are able to complete the secured loan we require a signed deed of postponement or confirmation of what the maximum liabilities are and that it is capped at this level. (This is the Maximum Liabilities Confirmation). The Loan to Value will be based on the Maximum Liability not the mortgage balance and may be reduced. Where the security is in Scotland and the mortgage lender is predominately known to offer flexible, open plan mortgages, a mortgage reference and maximum liabilities / deed of postponement will be required.