Lending criteria.

Please refer details, including frequency, value, and times period of payday loans being used.

The majority of our mortgages are portable as standard (please check product criteria).

We’re unable to accept applications from portfolio landlords. Applicants can have a maximum of 3 properties (including properties held in a limited company). This also includes unencumbered properties as well as mortgaged properties.

We’re unable to accept applications from portfolio landlords. Applicants can have a maximum of 3 properties (including properties held in a limited company). This also includes unencumbered properties as well as mortgaged properties.

Applicants over 75 will need to seek Independent Legal Advice to ensure they understand the implications of the mortgage contract and the potential issues of lending into later life on benefits and in the event of needing to go into long-term care.

We can potentially accept a private local authority search, subject to: A suitably qualified search agent carries out the personal search and has indemnity insurance that adequately protects us or the search insurance policy adequately protects us. The Solicitor must also confirm that the title is good and marketable and personal searches are subject to the search firm subscribing to the Search Code monitored by the Property Code Compliance Board.

We can consider a Buy to Let application where the property requires refurbishment before it is Let. LTV will be based on current property value.

Please note the following: Detailed costings/quotes will be requested at application stage.

The property must be in a liveable/mortgageable condition on application.

Only non-structural works are permitted. Savings will be required to be evidenced on the application to cover the first 6 months of mortgage payments.

Please contact our Business Development Team to discuss further.

We can accept holiday let applications where the property will be let via Airbnb or other letting options. Properties marketed via Airbnb will be subject to our existing rental coverage assessment, requiring a lettings agent (not Airbnb) to provide the known or anticipated letting value, exactly the same as a standard holiday let.

We will lend throughout England & Wales.