Lending criteria.

Offers are valid for 6 months.

We can extend offers – we may require confirmation there have been no change to circumstances or evidence of current affordability etc. Please contact our Business Development Team.

Splitting of title on completion. We will consider an application where the splitting of a title deed will take place prior to/on completion.

EWS1 forms are required. We will not lend on properties with combustible cladding or materials on balconies without an EWS1 form.
A1, A2 and B1 are acceptable, subject to valuers comments.

Maximum 10 storeys.

Overage Clause can be accepted. Please contact our Business Development Team.

Solar Panels are accepted. If leased, must have the mortgage lender repossession break clause in the contract.

Where there are unadopted roads, there must be full access and maintenance agreement in place.

Flying Freehold – Maximum 25% subject to insurance available on standard terms. All cases should be referred to the Business Development Team prior to application.

Grade 1, Grade 2 & Grade 2* Listed properties are acceptable.

Maximum Acreage – 10 acres of land.

Foster Income – must have been fostering for 3 years and cannot be the only source of income. Please contact our Business Development Team.

Seafarers – we will consider Seafarers income – Please contact our Business Development Team.

Fee free overpayments up to 50% of the original loan (subject to product availability)