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FOR THE USE OF MORTGAGE INTERMEDIARIES & OTHER PROFESSIONALS ONLY

  1. Intermediaries
  2. Criteria
  3. Residential Criteria

  • Residential criteria

    Find out all about our lending criteria for new clients

    Here is an overview of our lending criteria for new Residential Mortgage clients. Whilst we aim to cover all relevant information, this criteria does not detail all our requirements and for anything you are unable to find, contact your BDM, or call our Telephone BDM experts on 0345 3073355, Option 3.

    • Lending Criteria

    Lending Criteria

    File Size: 300KB | Format: PDF

    		PDF

  • A-Z by Criteria

    A-Z by Subject

    By Category

    • Money
    • Mortgage
    • Property
    • Remortgages
    • Work

    • ABCDEFGHIJKLMNOPQRSTUVWXYZ

    • A

      Adverse credit

      CCJs/defaultsArrearsBankruptcy / IVA / Debt Relief Order

      Affordability

      How do you treat background Buy-to-Let properties for affordability?Credit commitmentsNon-credit commitmentsOther costs
      Back to top

    • B

      Background properties owned by the applicant

      Properties that are not rented outExisting property to be rented outOther Buy-to-Let mortgaged properties owned
      Back to top

    • C

      Concessionary Purchase

      Contractors

      Employment contractsIT and Construction Industry Scheme (CIS) Contractors Probationary contractsZero hours contracts

      Credit scoring

      Back to top

    • D

      Decision in Principle

      Deposits

      Back to top

    • E

      Employed applicants

      UK residents not paid in sterling

      Ex Pats

      Back to top

    • F

      Finder's Fees

      First Time Buyers

      Foreign nationals

      Non EU StatesSource of fundsUnacceptable CategoriesRefugees

      Further advances

      Back to top

    • G

      Guarantors

      Back to top

    • I

      Identification & Verification

      Acceptable documentationHow to certify a document

      Income, Treatment - Main Income

      Income, Treatment - Other Income

      Income, Verification - Main Income

      Income, Verification - Other Income

      Interest-only mortgages

      Islamic mortgages

      Back to top

    • L

      Large Loan

      Lending into retirement

      Verifying Anticipated Retirement IncomeOther IncomeClient is already Retired

      Let to buy

      Location

      LTV & Lending limits

      Lending Limits
      Back to top

    • M

      Maternity/paternity/adoption leave

      Maximum term

      Minimum/maximum age

      Mortgage-free property (unencumbered properties)

      Back to top

    • N

      New build properties

      New build cash incentivesUnacceptable Site Search

      Non simultaneous sale (outstanding mortgage)

      Number of applicants

      Back to top

    • O

      Occupancy

      RemortgagesAdditional occupantsTenantsLodgersApplicant not resident in propertyDependant relatives

      Occupancy restricted property / Covenants

      Section 106 planning agreements / restrictive covenantsResale/Resale Price Covenant Schemes

      Offer expiry

      Back to top

    • P

      Portability

      Product transfers

      Professional Sports Persons

      Property

      ConditionLeasehold propertyOther Freehold ArrangementsHigh rise flatsFlats above business premisesStudio flatsEx Local Authority propertiesJapanese knotweedSolar Panel Leasing AgreementsDistressed sale and leasebackConstructionUnacceptable Property/Construction TypesUse of property
      Back to top

    • R

      Rate Switch

      Remortgages

      Capital raisingDebt consolidation

      Residency

      Revised property details

      Right to buy

      Back to top

    • S

      Second home loans

      Self Employed Applicants

      Acceptable Income Verification Documents

      Shared equity mortgages (including Help to Buy Equity Loan)

      Help to Buy Equity Loan

      Shared ownership mortgages. Only available in England and Wales

      Sub sales and back-to-back transactions

      Back to top

    • T

      Tied accommodation

      Back to top

    • U

      Unacceptable schemes

      Back to top
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