Lending criteria.

New Build flats accepted up to 75% LTV throughout England & Wales.

New Build houses accepted up to 95% LTV.

Acceptable New Build Warranties

NHBC Guarantee
Premier Guarantee Scheme
Building Life Plans
Build-Zone (includes BuildCare)
Checkmate (Castle 10)
ICW
LABC
Professional Consultants Certificate (see full list below)

Acceptable Professional Consultants Certificate
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)
Note: 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. “

If an applicant has been in their current job for less than 6 months, they must have 12 months continuous employment history. Where this is not the case, please contact our Business Development Team.

We can accept a new salary as long as confirmed by the employer and at least 1 payslip can be provided prior to offer.

We will ignore non-dependent applicants for affordability purposes, if they have their own income to self support. We will include any committed debts into affordability however.

We will ignore personal borrowing for Self Employed business purposes as long as it’s not in clients sole name.