Lending criteria.
We can help with all types of cases, so check our lending criteria for the latest guidelines.
Our criteria is split into residential and buy to let, so use the options below to find the criteria you need.
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Background Residential Mortgages
We will include the monthly payment & running costs in affordability.
Benefits
Acceptable benefits – 100%. Child Benefit*, Child Tax Credits*, Working Tax Credits*.
*Needs to be payable for the next 5 years minimum.
Acceptable benefits – 50%. Attendance allowance*, Constant Attendance Allowance*, Disability Living Allowance (applicants only), Employment & Support Allowance. Industrial Injuries Disablement Benefit, Personal Independence Payment (PIP), Universal Credit.
*Needs to be payable for life.
Builder/Vendor Deposits
Maximum of 5%. The applicant must also provide a 5% deposit.
How to do business with us.
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