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A - Z of Purchasing schemes

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Application β†’ All guides

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A - Z of Application criteria
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Deposit sources
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Direct Debits
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Early repayment charges
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Interest
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Tenure
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Loan to income multiples
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Loan purpose
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Loan size
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Location
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Maximum LTV
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Mortgage Term
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Offer validity
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Overpayments
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Payment holidays
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Porting
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Rate switches
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Remortgage & Additional Borrowing
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Repayment methods
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Adverse Credit
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Age
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Applicants
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Asylum Seekers
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Boosters
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Commitments & Expenditure
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Customer Verification
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Dependants
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Expat
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First-Time Buyer
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Home Movers
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Non UK Nationals
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Overseas applicants
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Owners
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Retirement
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Students
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Vulnerable Customers

Income and employment β†’ All guides

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A - Z of Income types
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Benefit income
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Contract workers
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Employed
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Foreign currency income
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Holiday Lets
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Minimum incomes
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Other income types
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Parental Leave
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Pay increases
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Pension
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Piecework
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Rental income
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Retirement income
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Self Employed
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Stipend Income
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A - Z of Property types
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A - Z of Purchasing schemes
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Bedroom count
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Construction types
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Current value
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Discounted purchase price
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Flood Risk
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Help to Buy
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Leasehold
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New builds
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New Build; Incentives & Part Exchange
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Property Charges
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Property values
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Retentions
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Tenure types
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Valuations

Packaging guide β†’ All guides

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Employed income
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Investment income
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Maintenance income
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Parental Leave
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Rental income
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Self-employed income
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Sole traders income
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Address verification
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Additional support
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Identification
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Miscellaneous
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Occupier’s consent
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Proof of deposit
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Retirement plans and pension

Generation Home Products and Services β†’ All guides

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Registering on our panel
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Income boosters
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Deposit boosters
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The Home Agreement
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Conveyancing
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ILA
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Toolkit for your clients
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Toolkit for you
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Tariff of Mortgage charges
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Terms of Business
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Privacy notice

A - Z of Purchasing schemes

Untitled

Purchasing schemeAcceptableComments
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Buy for University
No
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Buy to Let
No
We do not allow BTL applications, we only lend on properties for residential use
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Discounted Market Sale
Maybe
We will consider applications on the basis that there is no sign of distress or vulnerability
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Forces Help to Buy
Yes
Income Boosters and Deposit Booster cannot be used in conjunction with Help to Buy
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Help To Buy
Yes
Find out more here Income Boosters and Deposit Booster cannot be used in conjunction with Help to Buy
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Help To Buy Re-mortgage
Maybe
We accept applications in England and Wales only. We will allow capital raising to purchase a further share in the property subject to meeting criteria. Income Boosters and Deposit Booster cannot be used in conjunction with Help to Buy
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Let to Buy
Maybe
Let To Buy applications are acceptable as long as the existing residential mortgage is changed to a BTL mortgage. We will need to see a copy of the BTL mortgage offer BEFORE our offer is issued. The BTL must be drawn down before Gen H completes on the mortgage. We will not accept any consents to let.
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Rent to Buy
No
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Right to Acquire
No
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Right to Buy
No
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Shared Equity
No
We do not lend on any type of shared equity scheme other than Help To Buy & Forces Help To Buy
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Shared Ownership
No
We do not lend on any type of shared ownership scheme either as a purchase or a re-mortgage
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Starter Home Scheme
No
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Voluntary Right to Buy
No
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LIFT Scheme
No
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Part Exchange
No
We do not lend on any type of shared ownership scheme either as a purchase or a re-mortgage