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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
Tenure types
Freehold
Houses are acceptable. Freehold flats are not.
Leasehold
Leases must have at least 85 years remaining on commencement of the mortgage with a minimum of 50 years remaining at the end of the term.
We only accept leasehold properties where the Freeholder or Management Company has no connection to our customers.
Share of Freehold
We will proceed with properties where there is a share of freehold as long as the share is equally divided by the number of dwelling.
Commonhold
Commonhold properties are not acceptable