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Application
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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
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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
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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
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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
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Employed income
Investment income
Maintenance income
Parental Leave
Rental income
Self-employed income
Sole traders income
Address verification
Address verification
We are required to verify the current address of all of our customers (Owners, income and deposit boosters).
We will attempt to verify the customer on the Voters roll in the first instance.
<aside>
📢 For deposit boosters, consent must be obtained to run a stand alone credit search to collect the voters roll data. No other credit data will be used.
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Where we are unable to confirm the customer at the current address on the voters roll, one documentary address proofs will be required.
The following document types are acceptable:
- Bank statement (must be dated within the last 3 months)
- Credit card statement (must be dated within the last 3 months)
- Utility bill (must be dated within the last 3 months)
- Mortgage statement (must be dated within the last 12 months)
- Council tax demand (must be dated within the last 12 months)
- Current full UK/EU driving licence
- HMRC or Government issued letter, statement or demand (must be dated within the last 12 months)
- Current UK/EU photo provisional driving licence
Items to note!
- Where a current full UK/EU driving licence has been used as proof of identity, it cannot be used for proof of address.
- Optional services such as cable tv, internal or mobile phones are not considered to be utility bills