Lending criteria.

Indicates if we can potentially consider a property with unadopted roads

We can potentially consider a property with unadopted roads There must be full access and maintenance agreement in place.

Indicates if we are able to potentially accept Buy to Let applications from applicants who have recently been charged for an unauthorised overdraft (either by exceeding their overdraft limit or by simply going overdrawn if they do not have an agreed overdraft limit). These unauthorised overdraft charges will likely appear on the clients recent bank statements.

We do not accept applicants that have recently had unauthorised overdraft charges. Please refer to the Business Development Team if these were more than 12 months ago.

Indicates if we can potentially accept applications where the transaction constitutes an undervalue transaction.

We are able to accept applications where the transaction constitutes an undervalue transaction. We will base this on the lower of purchase price or valuation

Indicates if we can potentially consider Buy to Let applications for unemployed applicants.

We will not consider Buy to Let applications for unemployed applicants