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Application β All guides
A - Z of Application criteria
Deposit sources
Direct Debits
Early repayment charges
Expanded higher LTV criteria (95% LTV)
Interest
Loan to income multiples
Loan purpose
Loan size
Location
Maximum LTV
Mortgage Term
Offer validity
Overpayments
Payment holidays
Porting
Rate switches
Remortgage & Additional Borrowing
Repayment methods
Customer β All guides
Adverse Credit
Age
Applicants
Asylum Seekers
Boosters
Commitments & Expenditure
Customer Verification
Dependants
Expat
First-Time Buyer
Home Movers
Non UK Nationals
Overseas applicants
Owners
Retirement
Students
Vulnerable Customers
Income and employment β All guides
A - Z of Income types
Benefit income
Contract workers
Employed
Foreign currency income
Holiday Lets
Minimum incomes
Other income types
Parental Leave
Pay increases
Pension
Piecework
Rental income
Retirement income
Self Employed
Stipend Income
Property β All guides
A - Z of Property types
A - Z of Purchasing schemes
Bedroom count
Construction types
Current value
Discounted purchase price
Flood Risk
Help to Buy
Leasehold
New builds
New Build; Incentives & Part Exchange
Property Charges
Property values
Retentions
Tenure types
Valuations
Packaging guide β All guides
Employed income
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Address verification
Additional support
Identification
Miscellaneous
Occupierβs consent
Proof of deposit
Retirement plans and pension
Completions
Conveyancing
ILA
Privacy notice
A - Z of Application criteria
Application criteria | Acceptable | Comments |
---|---|---|
Absent Freeholder | No | |
Additional lending / borrowing | Maybe | Additional borrowing maybe permitted outside of a fixed rate period |
Remortgage with Additional Borrowing / Capital raising | Yes | We only allow capital raising in conjunction with a re-mortgage. Please refer to the Remortgage & Additional Borrowing |
Debt consolidation | Yes | We only allow capital raising for debt consolidation in conjunction with a re-mortgage. Please refer to the Remortgage & Additional Borrowing |
Guarantors | No | We do not allow guarantors, we do allow income boosters. Please refer to the Boosters |
Interest only mortgages | No | We do not offer any type of interest only mortgage. All our mortgages are capital and interest |
Unencumbered Properties | Yes | We allow capital raising on unencumbered properties that have been owned for a minimum of 6 months and are registered at land registry, for the purpose of Buying Out a Partner/s Only. Refer to Remortgage & Additional Borrowing |