MRD/CR Number: UC009 Script Ref: UC009-10-Full Quote

MRD TEST SCRIPT

FQFSA
MRD/CR NUMBER: UC009 FULL TITLE: Use Case Specification – Full Quote MRD/CR VERSION NUMBER: CR2006-
INTR

SCRIPT REFERENCE: FQ FSA Test SCRIPT VERSION: AUTHOR: Graham Bell DATE WRITTEN: 22nd Feb 2004

SCRIPT REVIEWED BY: DATE:

OBJECTIVE: The object of this test is to test the functionality of Full Quotes (where no previous quote has been given) for New Mortgage & New Applicant.
Changes to Print functions – Print KFI and also call existing template from single print request. . Screen Health warnings, Introduction of “Other fees screen”,
Introduction of Linked product screens;. Intermediary code / FSA code functionality; Proc fee calculation. ( how do you test FSA code / MCRI code)
Multiple Products
PRE CONDITIONS & TEST CRITERIA: Live funding companies and mortgage books are set up on the system. Usercodes have been set up on MQS and
defined to access company/books and MQS functions.

LOGICAL RUNS NEEDED: None

TESTER: SOFTWARE VERSION: DATABASE USED: MQS linked to

U9R03T1

TEST PASS/FAIL:

DOCUMENTATION PASS/FAIL: N/A

Faults Raised Fault Number Step Fault Occurred In

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MRD/CR Number: UC009 Script Ref: UC009-10-Full Quote

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1 Logon to the system with a logon with the
appropriate security privilege for the below
actions. You should have permission to invoke
Full Quote, print quotation and brochures and
allow testing of all search criteria and display
information.
See test script UC007 (login) for further info.

Note: this script goes through the full full quote

process and can be used as a template for carrying
out variations to any of the steps covered in this
script.
Purpose:

This test concentrates on adding multiple products

2 See test script UC009-10v4d2Fullquote single

prod) detailing full quote process.

3 Click on ‘Full name’ box. ‘Check full name’ box opens.

Click on the title drop down list Possible options revealed.

Select a title Remains in box

Enter a first and last name. Click OK. Full name shows in full name field

Position cursor on the icon next to contact Description of icon function revealed “ edit contact
address. address”

Click on the icon

Enter information, in appropriate fields. The ones Enter address box opens

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MRD/CR Number: UC009 Script Ref: UC009-10-Full Quote

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marked bold are mandatory.
If some mandatory information not entered, OK
When all mandatory info entered, click OK. button does not highlight

Optionally enter contact numbers. Box closes, and contact address remains displayed.

Click on ADD button.

On tool bar at bottom of screen, click next. Details appear in applicant summary.

For more detailed testing of this option, refer to New loan details window opens.
the create applicant (UC003) test scripts
4
Click on the loan purpose drop down list. ………………………..will be displayed as default.

Possible options revealed.

(1)Select house purchase. or Remains in box

(2) Select Buy to let a second screen will ask if the occupants are
members of customers immediate family - 3
options Yes/No/ Don’t know)
(Info Yes – Regulated KFI printed. – No or Don’t
Select one option know Non regulated KFI printed)

Enter the following loan details:

Total Loan Amount
Mortgage Repayment frequency
(Monthly only) When this is entered, the equity and LTV will
display
Mortgage Term in Years/Months
Purchase Price/Estimated Property Value
England will be displayed as default.

Click on the Country drop down list Possible options revealed.

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MRD/CR Number: UC009 Script Ref: UC009-10-Full Quote

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Select England Remains in box

All the possible rate types, e.g. capped, fixed, will

be selected by a tick.
In the product search criteria section, clicks select
all. Graphic will appear ‘searching’.

For fuller details of product search/selection, refer
to tests UC005 Product search.
Select product Information to see Further Product
details (info to reflect the new details added to
MQS04, e.g. payment holiday indicator)
Available product window will appear.
For each product listed, the following details for the
product are retrieved and displayed on the screen in
separate columns..
• Product Name (as set up on MPR01)
• Base Rate % (as set up on the linked rate code
on MPR10)
• APR% (typical) (will be no value shown – this
isn’t held on UFSS but can be entered into the
MQS database manually)
• Initial payment (will be calculated based on
mortgage type of repayment, the initial
rate(where initial rate is the base rate or the rate
of a first rate tier, where one exists) and loan
amount
• Cash back Amount (as defined on MPR13 and
attached to the rate code on MPR10)
• Term( the term range held against the
underwriting rule on MPR05 and attached to
the product via MPR09)
• Max loan to value ratio (based on the LTV
bands stored on MPR15 and attached to the
product via MPR09)
• Fees (any fees associated with the product)
• Loan Range (the min & max loan limits held

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MRD/CR Number: UC009 Script Ref: UC009-10-Full Quote

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against the underwriting rule on MPR05 and
attached to the product via MPR09)
• Flexible (Yes/No) (set as Y if the product has
payment rules code attached via MPR09)
• Portable (Yes/No) (Set as Y if the portable flag
held against the product on MPR01 is checked)
• CAT Standard (Yes/No) will default to N as this
flag isn’t held on UFSS but can be entered into
the MQS database manually)

5 Select a product listed. Product becomes highlighted.

Click the ‘add to loan’ button. In the product portfolio section, the selected product
will appear, along with the advance amount, term
and a default repayment type of repayment.

On tool bar at bottom of screen, click next. The buildings and contents insurance window is
returned. The ‘no quote required’ radio button
should be highlighted by default.

The property valuation entered previously, should

show in the ‘amount of buildings cover required’
field.

The buildings only cover radio button will be

selected, as a default.

The amount of buildings cover required will be

highlighted, and the contents only field will be
greyed out.

6 Click in the contents only cover radio button. The amount of buildings cover required’ field will
become greyed out. The amount of contents cover
required’ field will become highlighted.

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MRD/CR Number: UC009 Script Ref: UC009-10-Full Quote

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Click in the ‘select product required’ drop down The valid contents only products on the database
list. will be displayed.

Select one of the products. Remains in box.

A window will open, display the product attributes,

which will match the details on UFSS.
Click product information.
The window will close down.

Click on cancel.
Both the ‘amount of buildings cover required’ and
the ‘amount of contents cover required’ fields will
Click in the buildings and contents cover radio become highlighted.
button.
The valid buildings and contents products on the
database will be displayed.
Click in the ‘select product required’ drop down
list. Remains in box.

Select one of the products.

A window will open; display the product attributes,
which will match the details on UFSS.

Click product information. The window will close down.

The amount of buildings cover required’ field will

Click on cancel. become highlighted. The amount of contents cover
required’ field will become greyed out.
Click back in the buildings only cover radio
button. The valid buildings only products on the database
will be displayed.

Click in the ‘select product required’ drop down Remains in box.

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MRD/CR Number: UC009 Script Ref: UC009-10-Full Quote

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list.
A window will open, display the product attributes,
Select one of the products. which will match the details on UFSS.

The window will close down.

Click product information.

Click on cancel.

7
With buildings only selected, select a valid A ‘calculating’ graphic will display, and the returned
product and click on the Calculate premium premium will be displayed on screen.
button. As no postcode was entered, the default risk area on
UFSS will be used to calculate the premium.

If the policy has a free period, this will be indicated

on the screen.

With contents only selected, enter a contents cover A ‘calculating’ graphic will display, and the returned
amount, select a valid product and click on the premium will be displayed on screen.
Calculate premium button. As no postcode was entered, the default risk area on
UFSS will be used to calculate the premium

If the policy has a free period, this will be indicated

on the screen.

With buildings and contents selected, select a A ‘calculating’ graphic will display, and the returned
valid product, ensure cover values are entered premium will be displayed on screen.
(Buildings only should still be the default amount) As no postcode was entered, the default risk area on
and click on the Calculate premium button. UFSS will be used to calculate the premium

If the policy has a free period, this will be indicated

on the screen.
8 Repeat step 7, this time entering a postcode for In each case, the calculated premium will reflect the

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MRD/CR Number: UC009 Script Ref: UC009-10-Full Quote

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each option, where a rating table has been set up entered postcode.
on UFSS for that postcode, and which differ to the
default risk area rating table.
9 Repeat step 8, this time altering the default In each case, the calculated premium will reflect the
buildings only amount. new buildings only amount.
All previously highlighted fields will grey out.

Value remains in field, and a graphic appears on the

screen, showing the total of both premiums.
Type values in both fields.

All fields will grey out. The graphic showing the

premium amount will disappear.
Now select the no quote-required radio button.

10 Now select buildings only again, select a valid A ‘calculating’ graphic will display, and the returned
product and click on the Calculate premium premium will be displayed on screen.
button.

On tool bar at bottom of screen, click next. The new mortgage, other insurance window will be
returned.
10 a Select Tied or Linked products to add stand alone The system will go to Tied & Linked Products
Buildings insurance screen

Select New and then Product type – Insurance,

Borrowing, Deposit, and Investment. Interest Rate & APR will be disabled & fields 1st
Premium & subsequent premium will be displayed.
Select Insurance or Investment

Select Conditional (No / Yes/ Yes external) The entered data will be added to Summary section
below.

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MRD/CR Number: UC009 Script Ref: UC009-10-Full Quote

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Through Lender check yes
(This data will be used in KFI)

Complete all fields enter relevant details regarding

ERC MCRI codes etc Select ADD
Select Edit to edit entries made Update will
modify an edited entry. Cancel cancels the entries
to be made. Delete deletes the product from the
summary
(Repeat all steps)

Select Buildings Insurance or Other Insurance

from side Navigation Bar to return to block
Insurance schemes or Other Insurances
11 In the accident, sickness and unemployment The ‘how much to protect’ and ‘select. …List’ fields
section, click in the obtain online insurance radio will highlight.
button.

Enter a value in amount of cover field.

Click in the ‘select product required’ drop down The valid ASU products on the database will be
list. displayed.

Select one of the products. Remains in box.

Click on the Calculate premium button. A ‘calculating’ graphic will display, and the returned
premium will be displayed on screen.
If the policy has a free period, this will be indicated
on the screen.

Select Tied or Linked products to add stand alone .Complete as above

insurance

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MRD/CR Number: UC009 Script Ref: UC009-10-Full Quote

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All previously highlighted fields will be greyed

Now select the no quote-required radio button.

Repeat above steps so that a premium is All fields will grey out. The graphic showing the
calculated. premium amount will disappear.

In the Personal accident and sickness section, Calculated premium appears on screen again.
click in the “obtain online” insurance radio button.

Click on the ‘up’ arrow. The ‘how many …cover ’ and ‘select. …list’ fields
will highlight.
Click on the ‘down’ arrow.
In the ‘how many …cover ’ field, a default value of
Select a value of 1. ‘1’ will display.

Value will increase to 2 then stop incrementing.

Click in the ‘select product required’ drop down
list.
Select one of the products.
Click on the Calculate premium button.
Value will reduce by 1 each click, until zero is
displayed. .
The valid PAS products on the database will be
displayed.

Remains in box.
In the persons, covered, set value to 1 then
calculate again. An error will be returned, stating that persons
covered must be > 0.

A ‘calculating’ graphic will display, and the returned

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MRD/CR Number: UC009 Script Ref: UC009-10-Full Quote

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premium will be displayed on screen.
This premium will be based on the CMS value,
previously displayed on the available product
screen.

If the policy has a free period, this will be indicated

on the screen.

Complete as above

.
Select Tied or Linked products to add stand alone
insurance All previously highlighted fields will be greyed

Now select the no quote-required radio button.

The system will navigate to Linked Product Note. If not “conditional” the cost will NOT be part
Screen (same screen as Stand alone see 10a of aggregate loan cost in KFI but will be listed in the
above) KFI

Select selection as appropriate as above

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MRD/CR Number: UC009 Script Ref: UC009-10-Full Quote

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MRD/CR Number: UC009 Script Ref: UC009-10-Full Quote

12 On tool bar at bottom of screen, click ‘Display A calculating graphic will display, and then the
Quote’ or Next ‘your personal quotation screen’ will be returned.

The illustration displayed will contain the

following information:

A loan details section:

• Basic Advance
• Deposit (difference between advance and
valuation)
• Purchase Price / Estimated valuation

Quotation for:
Will show the name of the applicant

A product section:

• Product description
• Term
• Base rate of rate code
• Advance amount allocated to product
• Calculated payment for that advance/product

• Combined Initial Monthly repayment amount

•

A fee section:

• Valuation fees, the amount, and whether free or

added to loan, legal fees)
• If a mortgage indemnity guarantee (MIG) is

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MRD/CR Number: UC009 Script Ref: UC009-10-Full Quote

required to comply with the lender's lending

policy, the system will also calculate and
Click on a fee to change the treatment and select display that amount. It will also indicate
Recalculate to invoke the change whether it is free or added to loan.

The radio buttons in the Fee section indicate if the

fee is (I) included in Loan amount or (E) excluded
from the loan amount
Select “External Fees” and a free format section Check loan amount at top of screen has changed and
will open on screen to allow for entry of fees that description of fee treatment.
are included in house purchase such as Land
registry fees. • Any other fees will be displayed, whether free,
Enter “free format” Description and whether added to loan.
Fee Amount • The total of all fees will be shown.
Fee Amount paid
(Balance to be displayed as payable)
Check Estimated if fee is estimate (change
wording on KFI)
Select pre set fee treatment / refunded at
completion etc.
When payable – free format description
Action buttons
Select Edit to edit entries made Update will
modify an edited entry. Cancel cancels the entries
to be made. Delete deletes the product from the
summary

(These fees are not included in loan calculation

but will be shown in KFI section 8). (Data
uploaded to MQS28)

I note that you refer to free format, but the details

have to map to new data capture screen MQS28
which has various fields that can be completed,
and some associated validation. Therefore, can we
expand a bit.

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MRD/CR Number: UC009 Script Ref: UC009-10-Full Quote

In insurances section:

• Any buildings/contents insurance product and

premium will be shown
• Any ASU/PAS product and premium will be
shown
• Any Conditional Insurances that have been
entered via Tied / Linked products will be listed

Where standalone( non conditional) premiums

have been manually entered for any insurance
type, (standalone) will be displayed after the
insurance type description.

The quote details:

• APR (Annual Percentage Rate)

• Total amount payable (should be advance
amount plus TCC)
Total Charge for Credit (should equate to CMS *no
of months in term)

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MRD/CR Number: UC009 Script Ref: UC009-10-Full Quote

13 On the toolbar at the bottom of the screen, select A print quotation window will open.
‘print quote’.

In the level of service section, check the date. The date should default to today.

Click on the date drop down list box. A calendar graphic will be displayed.

Click on a date. That date will become displayed in the date box.

Click on the level of service drop down list. Box will open, revealing options.
(This should be same as originally entered at start)

Click on an option. Will remain in box.

Select the period for which the KFI will be valid.

This is defaulted to zero (Valid for today only).

Select from print documents screen additional

documents to be printed or not check box prints)
Select a document a select Preview Document will be available to be viewed.
. Close [review window]
Select Close
Print preview box is opened and KFI can be viewed.

Select Print

Select print to Print KFI and other selected

products

(Once print has been selected the KFI is saved and

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MRD/CR Number: UC009 Script Ref: UC009-10-Full Quote

cannot be altered)

A window will open, allowing print attributes to

Click on print setup. be changed. (E.g number of copies / printer etc.)

KFI & other documents will print off.

Click on print. (See 14 below)

Quote/KFI will be saved, but not printed and the
first screen (Compliance) will be returned,
Click on the ‘run another quote based on these retaining details from previous quote.
details’ option.
Preview of KFI window opens and KFI & other
Select Go to DIP documents will print off. Information box
advising Quote Saved appears on screen .
( System will navigate to DIP)

Preview of KFI window opens and KFI & other

documents will print off. System Information
Select Go to Full Application box advising Quote Saved appears on screen
(System will navigate to Full Application)

System will save Quote (will not Print) and

navigate to start of MQS
Select I finished now. Just save Quote

13 Repeat above steps to run another quote through.
When reaching the print screen option, click on
the ‘I’ve finished for now just save the quote’
option.
Confirmation that the quote has been saved, along
with the unique quote reference number, will be
displayed.
The printed KFI should be in accordance with MQS-
DDS004 & 005 & BRD 1146
Each section should be completed in accordance
with the templates attached ( KFI Appendix 1 & KFI
Appendix 2 Section rules attached)

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MRD/CR Number: UC009 Script Ref: UC009-10-Full Quote

Particular attention to be paid to

Intermediary involved Intermediary name to be

shown in appropriate sections

Procuration Fee to be shown & calculated If Direct

(no Intermediary) reference in sections to be “We”

No Procuration Fee section

Products – Ensure where more than a single product

is chosen that all the relevant tiers / descriptions etc.
are accurately displayed & calculated
Other Fees are not included in total product fees

Other Linked products

(1) Mandatory are included and shown
appropriately
(2) Non Mandatory are shown but not included in
cost amounts

Testing for CCA & non-RMC cases, in quote &

upload – e.g. the KFI wording will differ as it is
non-FSA regulated?

UFSS requires an RMC indicator to be passed to

MQS13 – I assume this is catered for

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