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Application → 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 → 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 → 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 → 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 → All guides

Employed income

Investment income

Maintenance income

Parental Leave

Rental income

Self-employed income

Sole traders income

Address verification

Additional support

Additional support

Certifying address proof

For cases where customers are not on the voters roll, or they are unable to register to be added, we require certified copies of proof of address. You can find guidance on what we accept here.

ILA

Independent Legal Advice is a requirement for all Income and Deposit Boosters. This is to ensure everyone is aware of their obligations, the risks involved, and rights regarding the transaction.

Valuation

Please confirm your customers’ valuation preferences. The mortgage valuation is just for our purposes, but your customer can upgrade to a Homebuyer's Report if they’d like further peace of mind. Here is a breakdown of the Connells fee structure. If your customer would like any other type of survey, this would need to be arranged by themselves. Here is some further information on survey options.

Credit Kudos

Open banking is a secure service that allows us to see your customers banking information and activity. It is safe and we only use a secure and FCA (Financial Conduct Authority) regulated provider called Credit Kudos. It shows us information such as spending transactions, money movements, and incoming funds. For frequently asked questions on open banking, you can find them here.