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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
Investment income
Maintenance income
Parental Leave
Rental income
Self-employed income
Sole traders income
Address verification
Additional support
Identification
Miscellaneous
Occupierβs consent
Proof of deposit
Retirement plans and pension
Completions
Conveyancing
ILA
Privacy notice
Deposit sources
The following types of deposit are acceptable:
- Savings
- Sale of property or equity release
- Sale of shares or crypto currency
- Inheritance
- Gifted deposit from a close relative
- Deposit boosts - via our deposit boost agreement
Vendorβs deposits are not accepted.
Unsecured loans are not accepted as a deposit.
Where the deposit funds are coming from overseas, further due diligence checks will be applied.
Where the funds are the product of Crypto currency trading, please refer to the acting conveyancer for further guidance on acceptability.