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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Offer expiry time (New Build)
Displays the number of days a NEW BUILD Buy to Let mortgage offer is valid for.
Offers are valid for 6 months for BTL and Holiday Let applications, with the potential to extend.
Please note Additional Borrowing and Porting offers are valid for 3 months.
Offer expiry time (Standard)
Displays the number of days a STANDARD Buy to Let mortgage offer is valid for.
Offers are valid for 6 months for BTL and Holiday Let applications, with the potential to extend.
Please note Additional Borrowing and Porting offers are valid for 3 months.
Offset Mortgages Available?
Indicates if we can offer Buy to Let offset mortgages (subject to product availability).
We do not offer offset mortgages.
Overpayment facility as standard (percentage)
Indicates the amount you can usually overpay (subject to product availability) without penalty on our Buy to Let mortgages.
Fee free overpayments up to 50% of the original loan (subject to product availability)
Ownership of Adjoining Property (Related Transaction)
Indicates if we can potentially lend on a property where the adjoining property is also owned by one of the applicants.
We do not lend on properties where the applicant also owns the adjoining property.
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