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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Age & Income
Up to age 70 for earned income – manual employment.
Up to age 75 for earned income – non-manual employment.
Up to age 75 for self employed income.
From age 55 to use pension assets in the background.
Applicants
We will accept 2 incomes on a standard application.
We will accept 4 incomes on a standard joint borrower sole proprietor application (UK applications) from a maximum of 2 households.
Note: Maximum 2 incomes on Expat JBSP cases.
Arrangements
Up to 75% LTV. Must have been satisfied 3 years.
Arrears
We can consider historic arrears – no arrears in the last 3 years.
How to do business with us.
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