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

Applicants must have clean credit history over the last 6 months, meaning 0 missed payments over this period (standard lending requirements apply after this point).

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 homeowners have no employed income are not eligible for 95% LTV borrowing.

Maximum loan and LTI multiples apply.