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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Payday Loans
Please refer details to Business Development Team, including frequency, value and time period of payday loans being used
Pension Income
100% – Annuity, company/private pension, war disablement pension, war widower, private pension, state pension.
Drawdown Pensions – we will use 100% of the drawdown amount (subject to it lasting the mortgage term at the current rate). We can utilise uncrystallised pension funds for income purposes. We will take 80% of the pension fund and divide it by the mortgage term.
Self-invested Personal Pensions (SIPPs) – we will use 100% of the SIPP drawn amount (subject to it lasting the mortgage term at the current rate). We can utilise uncrystallised pension funds for income purposes. We will take 80% of the pension fund and divide it by the mortgage term.
Portable
Portable as standard (subject to product availability).
Power of Attorney
Acceptable on remortgages/like for like basis.
We are not comfortable with a Power of Attorney converting a property into a BTL, or a Power of Attorney effectively purchasing a property that they have powers over into their own name.
Probation Period
Can consider if it will end before completion of the mortgage and their previous job was in the same line of work.
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