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.
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Gambling (recurring transactions)
Indicates if we can potentially consider applicants with recurrent gambling transactions on residential applications
We will not consider applicants that have recurring gambling transactions
Green mortgage
Indicates if we can potentially accept a Green Mortgage application.
For existing borrowers only. We have a further advance product to fund green home purchases from £5k to £40k, for items such as: solar panels, traditional insulation, air source heat pumps, rain water harvesting, double/triple glazing, low energy lighting, boiler upgrades, wind turbines or electric car charging stations. Contact the Business Development Team for more information.
Guarantors
Indicates if we accept guarantor applications.
We do not accept “Guarantor” mortgages
Guarantors: Reverse (younger applicant guarantor for older applicant)
Indicates if we can potentially consider a reverse guarantor application. A reverse guarantor application is where the guarantor is younger than the applicant. This typically might occur when a son or daughter wishes to help their parents.
We do not accept “Guarantor” mortgages
Guarantors: Where applicant significant income growth is not expected
Indicates if we can potentially accept a guarantor application where the applicant is not expecting significant income growth in the future
We do not accept “Guarantor” mortgages
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