Lending criteria.

Acceptable for UK and Expat applicants. We will carry out a full affordability assessment instead of a rental calculation. Please see our Expat section for acceptable currencies for Regulated BTL.

Home improvements – accepted.

Purchase another property – accepted, but we require simultaneous completion.

Purchase another property oversees – accepted, but we require simultaneous completion.

Repay help to buy and let the property – accepted.

Buy out another party – accepted.

Debt consolidation – not accepted.

Extending a lease – accepted.

Raising money to gift – accepted.

Paying off residential mortgage – accepted.

HMO conversion back to standard property – potentially can accept. Please contact our Business Development Team.

Medical expenses – we can consider. Please contact our Business Development Team.

School Fees – we can consider. Please contact our Business Development Team.

We may be able to accept properties with agricultural restrictions – maximum 50% LTV. Please contact our Business Development Team.

We can potentially consider applications from applicants who are returning to the UK and going straight into employment with the same company. Please contact the Business Development Team to discuss further as these are taken on a case by case basis.