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.
Search
Tenancy
Assured Shorthold Tenancy.
Maximum 36 months AST.
Minimum 6 months AST.
Maximum 4 individuals accepted on a tenancy.
The property must still be let via a standard ASTA agreement and not be classed as a HMO.
We can accept up to 4 individuals, providing they are a family unit. If they are unrelated professionals then maximum 3 individuals on the tenancy.
Topslicing
BTL Only, not accepted on Holiday Let
– Min of 125% rental cover against product rate to be eligible for top slicing
– Max 2 applicants (JBSP allowed)
– Sole Applications min personal income £40,000
– Joint Applications min joint income of £65,000 or At least one Applicant must earn min £40,000
– Available on Standard BTL or Expat BTL
– For Expat BTL Top Slicing, personal income must be in one of accepted currencies
– Foreign Currency income subject to usual 20% Haircut for the affordability assessment
How to do business with us.
Ready to get started? We’re here to help.
