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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.

Visas: Family Visa (Spousal etc)

Indicates if we can potentially consider applicants who hold a Family Visa. Types of Family Visas are spouse or partner, fiancé, fiancée or proposed civil partner, child, parent or relative who’ll provide long-term care for you.

We can potentially consider applicants that hold a Family Visa. Maximum 80% LTV and must be in a professional position. Please discuss with our Business Development Team for further details.

Visas: Minimum number months remaining on visa

Indicates if we can consider an applicant on a visa and if so what is the minimum requirement (in MONTHS) that the applicant must have remaining on BTL applications

They must have a minimum of 24 months on their visa and an existing 24 months already spent in the UK.

Visas: Working Visa (Tier 1 – Investors, entrepreneurs and talent visas)

Indicates if we can potentially accept a buy to let application from an applicant that holds a Working Tier 1 Visa. These visas can be issued to Entrepreneurs, Exceptional Talents, Graduate Entrepreneurs, and Investors.

We can potentially consider applicants that hold a ‘Tier 1’ working visa. Maximum 80% LTV. Because of the potential short term nature of residency, the applicant(s) should be of a professional standing and working in one of the following sectors – Education, Healthcare, Finance & Banking, IT, Legal, Marketing Professionals, Science Research & Development, Energy Sector and Construction Industry Professionals (Not Trades) e.g. Architects.

Visas: Working Visa (Tier 2 – Long-term work visas)

Indicates if we can potentially accept a buy to let application from an applicant that holds a Working Tier 2 Visa. These visas can be issued to General workers who’ve been offered a skilled position in the UK, Intra-company Transfers, Ministers of Religion and Sportspersons.

We can potentially consider applicants that hold a ‘Tier 2’ working visa. Maximum 80% LTV. Because of the potential short term nature of residency, the applicant(s) should be of a professional standing and working in one of the following sectors – Education, Healthcare, Finance & Banking, IT, Legal, Marketing Professionals, Science Research & Development, Energy Sector and Construction Industry Professionals (Not Trades) e.g. Architects.