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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Maintenance
100% – must be either court ordered or evidence of 12 months receipt history.
Married Applicants Applying in Sole Names
Can accept applications in sole names where the applicant is married and the partner will also be residing in the property. Not available if marital partner is left off due to adverse credit.
Maximum Age
There is no maximum age at application or at the end of the mortgage term.
Note: Applicants 75 or over (at the point of application) will need to obtain Independent Legal Advice (ILA) to ensure they understand the implications of borrowing in retirement.
Maximum Loan
Please refer to individual products.
Minimum age
Minimum age of 18 at application.
Minimum Income
We have no minimum income on standard applications. Minimum income of £20,000 for applicants already in retirement (joint or single).
Minimum Loan
£75,000
Missed payments
There cannot be any missed payments in the last 12 months.
How to do business with us.
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