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

MULTI Prod TEST SCRIPT

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

SCRIPT REFERENCE: FQFSA 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
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& U9R04T1

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 P
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 P

prod) detailing full quote process.

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

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 P
Click on the loan purpose drop down list. ………………………..will be displayed as default.

Possible options revealed.

(1)Select house purchase. or Remains in box P

(2) Select Buy to let a second screen will ask if the occupants are P
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 P
Mortgage Repayment frequency
(Monthly only) When this is entered, the equity and LTV will
display
Mortgage Term in Years/Months P
Purchase Price/Estimated Property Value England will be displayed as default.
Possible options revealed.

Click on the Country drop down list Remains in box

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

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P
Select England All the possible rate types, e.g. capped, fixed, will
be selected by a tick.

Graphic will appear ‘searching’.

In the product search criteria section, clicks select
all. Available product window will appear.

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)
For each product listed, the following details for the
product are retrieved and displayed on the screen in P
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
against the underwriting rule on MPR05 and
attached to the product via MPR09)

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

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• Flexible (Yes/No) (set as Y if the product has
payment rules code attached via MPR09)
• CAM (Yes/No) (set as Y if the product has
payment rules code attached via MPR09)
• EQU (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. P

Click the ‘add to loan’ button.
On tool bar at bottom of screen, click next.
In the product portfolio section, the selected product
will appear, along with the advance amount, term P
and a default repayment type of repayment.
P

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

Date System Step Action Expected Result Pass/Fail Fault

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The buildings and contents insurance window is P

returned. The ‘no quote required’ radio button
should be highlighted by default. P

Select Online Quote The property valuation entered previously as

purchase price , should show in the ‘amount of
buildings cover required’ field. P

The buildings only cover radio button will be P

selected, as a default.

The amount of buildings cover required will be P

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 P
become greyed out. The amount of contents cover
required’ field will become highlighted.

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

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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. P
The window will close down.

Click on cancel.
Both the ‘amount of buildings cover required’ and P
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 P
list. Remains in box.

Select one of the products. P

A window will open; display the product attributes,
which will match the details on UFSS.
P
Click product information. The window will close down.
P
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 P
button. The valid buildings only products on the database
will be displayed.
P
Click in the ‘select product required’ drop down Remains in box.
list.
A window will open, display the product attributes,
Select one of the products. which will match the details on UFSS.

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

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The window will close down. P

Click product information.

Click on cancel.

7
With buildings only selected, select a valid A ‘calculating’ graphic will display, and the returned P
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 A ‘calculating’ graphic will display, and the returned
cover amount, select a valid product and click on premium will be displayed on screen. P
the 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 P
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.
Mandatory Insurance indicator will display Yes P
/No on lower screen

Obligatory Term fields can be completed

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

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8 Repeat step 7, this time entering a postcode for In each case, the calculated premium will reflect the P
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 P
buildings only amount. new buildings only amount.
All previously highlighted fields will grey out. P

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 P
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 P
returned.
11 In the accident, sickness and unemployment The ‘how much to protect’ and ‘select. …List’ fields P
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.

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

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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.

Now select the no quote-required radio button. All fields will grey out. The graphic showing the
premium amount will disappear.

Repeat above steps so that a premium is Calculated premium appears on screen again.
calculated.
Select Mandatory Insurance and minimum term
after entering loan amount if this insurance is to
be classified as mandatory
On tool bar at bottom of screen, click next

In the Personal accident and sickness section, The ‘how many …cover ’ and ‘select. …list’ fields
click in the “obtain online” insurance radio button. will highlight.

Click on the ‘up’ arrow. In the ‘how many …cover ’ field, a default value of
‘1’ will display.
Click on the ‘down’ arrow.

Select a value of 1.
Value will increase to 2 then stop incrementing.

Value will reduce by 1 each click, until zero is

displayed. .
Click in the ‘select product required’ drop down
list.

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

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Select one of the products. The valid PAS products on the database will be
displayed.

Remains in box.

An error will be returned, stating that persons

Click on the Calculate premium button. covered must be > 0.

In the persons, covered, set value to 1 then
calculate again.
A ‘calculating’ graphic will display, and the returned
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.

Select Mandatory Insurance and minimum term

after entering loan amount if this insurance is to
be classified as mandatory

Select Tied or Linked products to add stand alone

insurance The system will Navigate to Tied and inked
Insurance and Products

On tool bar at bottom of screen, click next

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

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10 a Note. If not “conditional” the cost will NOT be part P

Select New and then Product type – Insurance, of aggregate loan cost in KFI but will be listed in the
Borrowing, Deposit, and Investment. KFI

Select Insurance or Investment .

Select Conditional (No / Yes/ Yes external)

The entered data will be added to Summary section
Through Lender check yes below.

(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

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

Date System Step Action Expected Result Pass/Fail Fault

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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 P
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

Product Fees required to comply with the lender's lending

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

If a change is required user must select If check box is complete the fee is included. if
Recalculate to invoke the change unchecked it is excluded from the loan amount

Check loan amount at top of screen has changed and

description of fee treatment.

Select “External Fees” and a free format section • Any other fees will be displayed, whether free,
will open on screen to allow for entry of fees that and whether added to loan.
are included in house purchase such as Land • The total of all fees will be shown.
registry fees.
Enter “free format” Description
Fee Amount
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

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

uploaded to MQS28)

In insurances section:

• Any buildings/contents insurance product and

premium will be shown
• Any ASU/PAS product and premium will be
shown
•

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)

TAP = TCC + Loan amount

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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 will recalculate payments due if tier one is
This is defaulted to zero (Valid for today only). date ended

Select Mortgage start date

Select a period in the future

Select from print documents screen

additional documents to be printed or not check On screen display will advise number of copies
box prints) being printed – number of borrowers plus

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

KFI & other documents will print off

GRAHPOM07V printed
Select Print

Select print to Print KFI and other selected

products

(Once print has been selected the KFI is saved and

cannot be altered)

KFI & other documents will print off.

Quote/KFI will be saved, but not printed and the

first screen (Compliance) will be returned,
retaining details from previous quote.

Mortgage pack documents will be available for

Print with KFI KFI & other documents will print off.
Information box advising Quote Saved appears
on screen . ( System will navigate to DIP)
Click on the ‘run another quote based on these
details’ option.

Preview of KFI window opens and KFI & other

documents will print off. System Information
Select Go to DIP 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 Go to Full Application

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

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)

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?

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

UFSS requires an RMC indicator to be passed to

MQS13 – I assume this is catered for

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