Lending criteria.

Up to 80% LTV – we will ignore CCJs that have been settled more than 12 months. If more than 1 or over £1,000 please refer details to our helpdesk.

Above 80% LTV – we will ignore CCJs that have been settled more than 12 months. If more than 1 or over £500 please refer details to our helpdesk.

We can potentially allow post offer changes, however, this will be subject to another underwrite and potentially an additional admin fee (case by case) – Please contact our Business Development Team.

We can consider customers registered on the CIFAS register. Please refer these cases.

We can consider coach houses but we will need to determine if the property is freehold or leasehold, and if there is an element of flying freehold.

This would be treated as a transaction under value. The applicants would be required to provide a deposit in line with our products (e.g 80% LTV).

We can accept applications classed as a ‘Consumer Buy to Let (CBTL)’. They are treated the same as standard BTL applications.

TransUnion.

The conviction must be spent and cannot be monetary related (fraud, money laundering etc.) and the applicant must be able to obtain home insurance on standard terms.