95% lending is not available on any new build properties.

Applicants must have clean credit history (0 missed payments in the last 3 years).

At least 50% of the owners' total income must be derived from permanent employed income (excluding income received from a director's own limited company, and fixed term or zero hour contracts).

Applications where the home owners have no employed income are not eligible for 95% LTV borrowing.

Maximum loan and LTI multiples apply.