• Manual underwriting: option to gain pre-DIP agreement.
• Income: multiple sources used for affordability, including pension, rental, investment. 5.49x income multiple when an applicant earns £100k+.
• Overpayments: 50% ERC free on all products.
• Property: we’ll consider annexes, flats above good quality commercial
• We credit check, not credit score.

• Available on our standard range of products, up to a 40-year term with no maximum age.
• Interest only: sale and downsize up to 50% LTV (min equity £200,000). Other interest only options available, depending on your repayment vehicles.
• We’ll lend to 80% LTV for applicants borrowing into retirement, or 70% LTV if already in retirement (50% if there’s any interest only).
• We utilise pension assets as income, even if not currently being drawn – will use 80% of pension pot and divide by mortgage term.

More about later life >

• BTL accepted up to 80% LTV.
• Can consider non-owner occupiers.
• We lend on regulated BTLs where family members are residing.
• No maximum age.
• First time buyer BTL accepted.
• Basic Rate/Nil Rate UK taxpayers = 125% ICR required on the stress rate
• Higher Rate/Additional Rate UK taxpayers = 145% ICR required on the stress rate
• BTL Light Refurbishment product

• We offer up to 60 days of personal use.
• Will consider first time landlords (must be owner occupiers).
• Loans available up to 80% LTV.
• We assess the loan amount using the average rental from high, mid and low season.
• First time rental properties considered (no requirement to be currently let out).
• No maximum age.

More about holiday let >

• For new projects, conversions, renovations and knock down & rebuilds. Includes properties where the build has started.
• Max 80% LTV for both purchase and remortgage, plus we will lend against the land value.
• Flexible stage releases.
• Upon build completion your client can switch penalty free to a retention product.
• Interest only available during the build.
• Available directly to brokers – call us to discuss your case.

More about self build >

• For residential, buy to let and holiday let properties, with most countries of residence considered (except UN Sanctioned).
• For joint applications we can consider when only one applicant holds a British Passport (subject to British national meeting criteria and affordability requirements)
• Deposits built up in the country of residence accepted.
• BTL – most currencies accepted.
• Residential & regulated BTL– 16 currencies accepted.
• Up to 80% LTV with fixed completion fees (subject to availability).

More about expat >

• We can consider new build houses up to 95% LTV (subject to product availability), for flats up to 75% LTV in selected areas.
• We accept up to 5% builder’s incentive (minimum applicant contribution of 5%).
• Mortgage offers valid up to 6 months, 3-month extension available.
• Completion and CHAPs fees can be added at 90% LTV subject to affordability.

• Loans up to 95% of the share
• Max £500k for purchase and remortgage.
• Also available on new build flats in blocks up to 10 storeys and can consider flats above good quality commercial.
• No completion or valuation fees apply (subject to availability).