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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Income Multiples/Loan to income (LTI)
4.49x joint or single.
5.49x joint or single if 1 applicant earns over £100,000.
Individual Voluntary Arrangements (IVA)
Up to 75% LTV. Must have been satisfied 3 years.
Interest Only
Accepted.
Acceptable repayment vehicles – Endowments or ISA, Pension lump sum, Sale of security/downsizing*, Sale of background property, Other investments.
*If downsizing is the repayment vehicle, we will require a minimum of £250,000 equity on day 1 and maximum 70% LTV on interest only – we can top up to 80% with repayment (part and part).
Unacceptable repayment vehicles – annual lump sum repayments.
50% LTV if applicant already retired.
70% LTV if standard or going into retirement. Can be topped up with 10% on repayment to a maximum LTV of 80%.
No minimum income as standard. £20,000 minimum income for retired applicants (joint or single).
Investment Income
75% of investment income.
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