πŸ““

Applicants

Affordability calculator Gen H Pro log in

Application β†’ All guides

πŸ““
A - Z of Application criteria
πŸ““
Deposit sources
πŸ““
Direct Debits
πŸ““
Early repayment charges
πŸ““
Expanded higher LTV criteria (95% LTV)
πŸ““
Interest
πŸ““
Loan to income multiples
πŸ““
Loan purpose
πŸ““
Loan size
πŸ““
Location
πŸ““
Maximum LTV
πŸ““
Mortgage Term
πŸ““
Offer validity
πŸ““
Overpayments
πŸ““
Payment holidays
πŸ““
Porting
πŸ““
Rate switches
πŸ““
Remortgage & Additional Borrowing
πŸ““
Repayment methods
πŸ““
Adverse Credit
πŸ““
Age
πŸ““
Applicants
πŸ““
Asylum Seekers
πŸ““
Boosters
πŸ““
Commitments & Expenditure
πŸ““
Customer Verification
πŸ““
Dependants
πŸ““
Expat
πŸ““
First-Time Buyer
πŸ““
Home Movers
πŸ““
Non UK Nationals
πŸ““
Overseas applicants
πŸ““
Owners
πŸ““
Retirement
πŸ““
Students
πŸ““
Vulnerable Customers

Income and employment β†’ All guides

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

Packaging guide β†’ All guides

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

Completions

πŸ““
Conveyancing
πŸ““
ILA

πŸ““
Privacy notice

Applicants

We can accept applications with a maximum of 4 Homeowners and up to 6 borrowers in total.

Please note that we assess an Income Booster in the same way we assess homeowners. We look at their credit file, income and financial commitments.

For Deposit Boosters although they are not classed as a borrower, we will need to capture information about them to run standard KYC(Know your customer) checks. This includes; Identification, address, Fraud and PEP and sanction checks.

There is no limit to the number of Deposit Boosters on an application.

πŸ‘« Application Scenarios

  • You could have one owner and five Income Boosters.
  • You could have four owners and two Income Boosters.
  • You could have four owners, two Income Boosters and three Deposit Boosters

Important things to note!

  • Income and Deposit boosters are not permitted to reside in the property.
  • Any individuals that are associated to the owner(s) through continuing linked finances, marriage or civil partnership, must be added to the application as an owner. Each owner is subject to the same checks, whether contributing to the mortgage or not.
  • Any occupiers (individuals residing or due to reside in the security) not associated to the owner(s) through continuing linked finances, marriage or civil partnership, such as adult children (17+), must be disclosed and complete an occupancy waiver form.

πŸ““
Close Relative Definition