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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Maximum Loan
£1 million.
For larger loans, please contact our Business Development Team.
Maximum LTV
Maximum 80% LTV for BTL and Holiday Let.
Maximum LTV
Maximum 80% LTV for BTL & Holiday Let applications.
Maximum Term
30 years.
Minimum Income
Minimum £25,000 for UK applicants (if joint, one applicant must earn a minimum £25,000).
Minimum £40,000 (or equivalent) for Expat applicants.
Minimum Property Value
£100,000
Minimum Term
6 years.
Missed Payments
There cannot be any missed payments in the last 12 months.
Mortgage Offers
Standard offer validity – 6 months.
New Build offer validity – 6 months.
Mortgage offers can be extended – Please contact us if an extension is required.
Moving in with Family
We can potentially consider a Buy to Let remortgage application where the property is currently the applicant’s main residence but will now be let and the applicant will be moving in with family.
How to do business with us.
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