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Application
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A - Z of Application criteria
Deposit sources
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Expanded higher LTV criteria (95% LTV)
Interest
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Location
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Customer
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Adverse Credit
Age
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Boosters
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Customer Verification
Dependants
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Non UK Nationals
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Owners
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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
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Flood Risk
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Leasehold
New builds
New Build; Incentives & Part Exchange
Property Charges
Property values
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Packaging guide
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Employed income
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Rental income
Self-employed income
Sole traders income
Address verification
Additional support
Identification
Miscellaneous
Occupier’s consent
Proof of deposit
Retirement plans and pension
Retirement plans and pension
If retiring within the first 10 years of the mortgage term
- Evidence of pension such as an annual statement, latest pension projection and/or SIPP valuation
- Where the retirement income is coming from other sources such as rental properties or investments, please refer to the relevant page.
If retiring in over 10 years from the start of the mortgage term
- Evidence of pension contributions on payslips or a pension pot
If already retired
(Private Pension)
- Last three months’ pension payslips ( if paid more frequently than monthly 3 months equivalent payslips); OR
- Latest Pension statement or annuity letter AND
- Last three months’ Bank statements
**(**State pension)
- Latest DWP (Pension service) state pension letter OR
- Latest bank statement