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Vulnerable Customers

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Application → 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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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 → 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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Furlough
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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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Rental income
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Retirement income
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Self Employed
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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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Property values
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Retentions
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Service charges
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Tenure types
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Valuations

Packaging guide → All guides

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Benefit income
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CIS income
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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 → 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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Customer facing marketing
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Broker marketing
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Tariff of Mortgage charges
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Terms of Business
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Privacy notice

Vulnerable Customers

Within the personal details section of the application there is a field where you are able to disclose details about a customer's personal circumstance. This question asks if the customer is vulnerable. Select “yes”  if you believe the customer may be potentially or actually vulnerable as per the FCA’s Finalised Guidance on vulnerability.

What you'll see when applying:

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If “yes” is selected a subsequent free entry text box will open, allowing you to inform us about their personal circumstances. Use this data point to disclose all the relevant information (eg, the impact of the vulnerability, let us know how they manage their finances, how Generation Home can adapt their services to meet their needs).