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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Joint Borrower Sole Proprietor
Accepted on UK and Expat applications.
Maximum 4 applicants 4 incomes on UK applications.
Maximum 2 applicants 2 incomes on Expat applications.
Up to 90% LTV on residential, but there are restrictions:
- 70% max LTV if all applicants are retired.
- 80% max LTV if term takes youngest applicant into retirement.
- 90% max LTV if the term does not take the youngest applicant into retirement.
Where lending above 70% LTV – the max age of any applicant at the end of the term is 90.
The joint borrower/s should be close family relative/s
On JBSP UK and Expat cases, we will allow any of the applicants to provide the deposit (including the non-proprietor). Please note that if the non proprietor is gifting the deposit they can not reside in the property.
*We’re unable to offer fee assisted legals on joint borrower sole proprietor applications.
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