Lending criteria.

Arrangements Fees can be added or paid upfront.

CHAPS Fees can be added or paid upfront.

We can add fees above LTV limits.

Accepted. There needs to be a 2 year history of contract employment in their line of work and at least 3 months remaining on the current contract.

If less than 2 years contracting evidence, the current contract will need at least 12 months left to run.

New Build flats accepted up to 75% LTV throughout England & Wales.

Standard flats accepted up to 95% LTV throughout England & Wales.

We will accept leasehold properties where no management company exists if there are no more than 4 units and all flats hold a share of the freehold.

Remaining 85 years on the lease at the start of the mortgage. New Build flats required 125 year lease.

Ground rent – we will only lend if the Ground Rent is £250 or less (£1,000 or less if in London).

Ex-local authority flats are only acceptable for Right to Buy applications.

Maximum 10 storeys.

If no lift, maximum 5 storeys.

We will not consider an application with an absentee freeholder.

Basement flats – Please refer details to our Business Development Team.

Flats above commercial – Accepted subject to type of commercial and good location – Referral to the Business Development Team recommended.

We can accept foreign currency as an income type. We convert the income into Sterling and take a 20% haircut. This is then input into our standard affordability calculator.

For residential or regulated BTL applications, applicants must be paid in one of these currencies: Sterling, Euro, Swiss Franc, Norwegian Krone, US Dollar, Canadian Dollar, Singapore Dollar, Hong Kong Dollar, UAE Dirham, Kuwaiti Dinar, Qatari Riyal, Australian Dollar, New Zealand Dollar, Danish Krone, Swedish Krona and Saudi Riyal.

If the applicant receives foreign currency income and is currently an Expat (UK national living and working abroad) = Expat Product.

Accepted on standard criteria.

Maximum 80% LTV.

We can potentially lend to EU, EEA (Including Iceland, Norway and Liechtenstein) and Swiss citizens if clients can evidence that they have successfully applied for pre-settled status.

Must have been in the UK for 2 years.

Must have valid UK work permit/visa, with 2 years remaining.

Must work 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.