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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Help to Buy Equity Loan (2013-2021)
Indicates if we can accept Help to Buy Equity Loan (2013-2021) applications.
We do not accept ‘Help to Buy Equity Loan’ applications
Help to Buy Equity Loan (2021-2023)
Indicates if we can accept Help to Buy Equity Loan (2021-2023) applications.
We do not accept ‘Help to Buy Equity Loan’ applications
Help to Buy Equity Loan Remortgage
Indicates if we are able to potentially accept remortgage applications where a Help to Buy Equity Loan exists and will continue to exist on completion of the remortgage.
We do not accept ‘Help to Buy Equity Loan’ applications
Help to Buy Equity Loan Remortgage with Capital Raising
Indicates if we are able to potentially consider remortgage applications with an element of capital raising where there exists a help to buy equity loan and it will continue to exist on completion of the remortgage.
We do not accept ‘Help to Buy Equity Loan’ applications
Help to Buy: Equity Loan Rate for Affordability
Indicates if we will take the ‘Equity Loan’ portion as a commitment for affordability assessment and if so at what rate of interest is it calculated.
We do not accept ‘Help to Buy Equity Loan’ applications
Historic CIFAS Record (Years)
Indicates if we can potentially accept residential applications from an applicant that is on the CIFAS register and if so, what time must have passed in order for us to potentially accept a new mortgage application from the customer.
We can potentially consider these customers that are registered on the CIFAS register. This would be subject to underwriter approval, please refer all cases to our Business Development Team to discuss further.
House/Bungalow Maximum LTV (New Build)
Indicates the maximum potential loan to value (LTV) we can accept where the property type is a NEW BUILD house/bungalow.
- Max 4.5 x income for all income levels including where applicant(s) earn over £100,000.
- No gifted deposits unless applicants can evidence they have been renting for min the last 12 months
House/Bungalow Maximum LTV (Standard)
Indicates the maximum potential loan to value (LTV) we can accept where the property type is a house or bungalow and it is NOT considered a new build.
- Max 4.5 x income for all income levels including where applicant(s) earn over £100,000.
- No gifted deposits unless applicants can evidence they have been renting for min the last 12 months
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