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.

 

 

New Build Warranty: AEDIS

Indicates if AEDIS  is an acceptable new build warranty for us on new build properties.

We are not able to accept this warranty

New Build Warranty: Build Assure

Indicates if Build Assure is an acceptable new build warranty for us on new build properties.

We are not able to accept this warranty

New Build Warranty: Building Life Plans

Indicates if Building Life Plans is an acceptable new build warranty for us on new build properties.

We are able to accept this type of warranty

New Build Warranty: Buildzone

Indicates if Buildzone is an acceptable new build warranty for us on new build properties.

We are able to accept this type of warranty

New Build Warranty: Checkmate (Castle 10)

Indicates if Checkmate (Castle 10) is an acceptable new build warranty for us on new build properties.

We are able to accept this type of warranty

New Build Warranty: CRL Management Ltd

Indicates if CRL Management Ltd is an acceptable new build warranty for us on new build properties.

We are not able to accept this warranty

New Build Warranty: Global Home Warranties

Indicates if Global Home Warranties is an acceptable new build warranty for us on new build properties.

We are not able to accept this warranty

New Build Warranty: ICW

Indicates if we can potentially accept ICW as an acceptable new build warranty

We are able to accept this type of warranty

New Build Warranty: LABC

Indicates if LABC is an acceptable new build warranty for us on new build properties.

We are able to accept LABC as an acceptable new build warranty

New Build Warranty: NHBC Guarantee

Indicates if NHBC Guarantee is an acceptable new build warranty for us on new build properties.

We are able to accept this type of warranty

New Build Warranty: Premier Guarantee Scheme

Indicates if Premier Guarantee Scheme is an acceptable new build warranty for us on new build properties.

We are able to accept this type of warranty

New Build Warranty: Professional Consultants Certificate

Indicates if Professional Consultants Certificate is an acceptable new build warranty for us on new build properties.

We are able to accept the Professional Consultants Certificate as an acceptable new build warranty. Architects certificate accepted. Where the property is being supervised by a qualified person the Conveyancer must ensure that the Supervisor is a member of one of the following professions: • Royal Institute of Chartered Surveyors (FRICS or MRICS) • Institute of Structural Engineers (F.I.Struct.E or M.I.Struct.E) • Chartered Institute of Building (FCIOB or MCIOB) • Architectural and Surveying Institute (FASI or MASI) • Association of Building Engineers (FB.Eng or MB.Eng) • Chartered Institute of Architectural Technologists • Architect registered with the Architects Registration Board (ARB). Must be registered with ARB even if also a member of another institution, for example Institute of The Royal Institute of British Architects (RIBA) • Institute of Civil Engineers (FICE or MICE) • The Conveyancer must obtain a copy of their Professional Indemnity insurance and must ensure that the Policy provides cover for a period of not less than six years.

New Build Warranty: Protek

Indicates if Protek is an acceptable new build warranty for us on new build properties.

We are not able to accept this warranty

New Build Warranty: Q Assure Build

Indicates if Q Assure Build is an acceptable new build warranty for us on new build properties.

We are not able to accept this warranty

New Build Warranty: Zurich Municipal "New Build"

Indicates if Zurich Municipal “New Build” is an acceptable new build warranty for us on new build properties.

We are not able to accept this warranty

Non Owner Occupier

Indicates if we can potentially accept an applicant that is a non-owner occupier for a Buy to Let application. 
This is not to be confused with a First Time Buyer or First Time Landlord.

We can potentially accept Buy to Let applications from ‘Non Owner Occupiers’. Holiday Let applications would need to be owner occupiers for us to be able to lend.

Number of credit reference agencies used

Indicates the number of credit reference agencies we may use during the entire application process. 

We use TransUnion as our credit reference agency

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