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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

Employed income

Additionally

Such as overtime, commission, bonuses or allowances can be evidenced by:

Only bonus income that has been evidenced will be used. Where bonuses are received on a biannual, quarterly or more frequent basis, an annualised value should not be assumed and must be evidenced.

Probation Period

Where an applicant is within a probationary period (defined as within the first 6 months within their current role/employment) the following are required: