Skip to content

FOR THE USE OF MORTGAGE INTERMEDIARIES & OTHER PROFESSIONALS ONLY

FOR THE USE OF MORTGAGE INTERMEDIARIES & OTHER PROFESSIONALS ONLY

Residential criteria

Find out all about our lending criteria for new clients.

Here is an overview of our lending criteria for new Residential mortgage applicants. 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 Business Development Managers via your regional case management team , (option 3).

Latest criteria changes

View our latest criteria changes

Last updated 17 June 2025

Search residential criteria

Most popular criteria

Income Treatment

LTV & Lending limits

Minimum / Maximum age

New build properties

{"Id":565,"AtoZ":["A","B","C","D","E","F","G","H","I","J","L","M","N","O","P","R","S","T","U","V","Z"],"Categories":["Dependents","Money","Mortgage","Property","Remortgages","Work"],"CriteriaPages":[{"Heading":"Affordability","Url":"/criteria/residential-criteria/affordability/","Category":"Money","StartingLetter":"A","Subjects":[{"Heading":"Debt to income","Url":"/criteria/residential-criteria/affordability/#Debttoincome","Hashtag":"Debttoincome","StartingLetter":"D"}]},{"Heading":"Employed applicants","Url":"/criteria/residential-criteria/employed-applicants/","Category":"Work","StartingLetter":"E","Subjects":[]},{"Heading":"LTV & Lending limits","Url":"/criteria/residential-criteria/ltv-lending-limits/","Category":"Mortgage","StartingLetter":"L","Subjects":[]},{"Heading":"Unacceptable schemes","Url":"/criteria/residential-criteria/unacceptable-schemes/","Category":"Mortgage","StartingLetter":"U","Subjects":[]},{"Heading":"Tied accommodation","Url":"/criteria/residential-criteria/tied-accommodation/","Category":"Property","StartingLetter":"T","Subjects":[]},{"Heading":"Sub-sales and back-to-back transactions","Url":"/criteria/residential-criteria/sub-sales-back-to-back-transactions/","Category":"Property","StartingLetter":"S","Subjects":[]},{"Heading":"Shared ownership mortgages ","Url":"/criteria/residential-criteria/shared-ownership-mortgages/","Category":"Mortgage","StartingLetter":"S","Subjects":[]},{"Heading":"Shared equity mortgages (including Help to Buy Equity Loan)","Url":"/criteria/residential-criteria/shared-equity-mortgages/","Category":"Mortgage","StartingLetter":"S","Subjects":[{"Heading":"Help to Buy Equity Loan","Url":"/criteria/residential-criteria/shared-equity-mortgages/#HelptoBuyEquityLoan","Hashtag":"HelptoBuyEquityLoan","StartingLetter":"H"}]},{"Heading":"Self employed applicants","Url":"/criteria/residential-criteria/self-employed-applicants/","Category":"Work","StartingLetter":"S","Subjects":[]},{"Heading":"Second home loans","Url":"/criteria/residential-criteria/second-home-loans/","Category":"Property","StartingLetter":"S","Subjects":[]},{"Heading":"Right to buy","Url":"/criteria/residential-criteria/right-to-buy/","Category":"Mortgage","StartingLetter":"R","Subjects":[]},{"Heading":"Revised property details","Url":"/criteria/residential-criteria/revised-property-details/","Category":"Property","StartingLetter":"R","Subjects":[]},{"Heading":"Residency","Url":"/criteria/residential-criteria/residency/","Category":"Mortgage","StartingLetter":"R","Subjects":[]},{"Heading":"Remortgages","Url":"/criteria/residential-criteria/remortgages/","Category":"Remortgages","StartingLetter":"R","Subjects":[{"Heading":"Capital raising","Url":"/criteria/residential-criteria/remortgages/#Capitalraising","Hashtag":"Capitalraising","StartingLetter":"C"},{"Heading":"Debt consolidation","Url":"/criteria/residential-criteria/remortgages/#Debtconsolidation","Hashtag":"Debtconsolidation","StartingLetter":"D"}]},{"Heading":"Rate Switch","Url":"/criteria/residential-criteria/rate-switch/","Category":"Property","StartingLetter":"R","Subjects":[]},{"Heading":"Property","Url":"/criteria/residential-criteria/property/","Category":"Property","StartingLetter":"P","Subjects":[{"Heading":"Condition","Url":"/criteria/residential-criteria/property/#Condition","Hashtag":"Condition","StartingLetter":"C"},{"Heading":"Estate Management/Maintenance Charges and Service Charges for Freehold Properties","Url":"/criteria/residential-criteria/property/#EstateManagementCharges","Hashtag":"EstateManagementCharges","StartingLetter":"E"},{"Heading":"Service Charges for Leasehold Properties","Url":"/criteria/residential-criteria/property/#ServiceChargesforLeaseholdProperties","Hashtag":"ServiceChargesforLeaseholdProperties","StartingLetter":"S"},{"Heading":"Leasehold property","Url":"/criteria/residential-criteria/property/#Leaseholdproperty","Hashtag":"Leaseholdproperty","StartingLetter":"L"},{"Heading":"Ground Rent","Url":"/criteria/residential-criteria/property/#GroundRent","Hashtag":"GroundRent","StartingLetter":"G"},{"Heading":"Other Freehold Arrangements","Url":"/criteria/residential-criteria/property/#OtherFreeholdArrangements","Hashtag":"OtherFreeholdArrangements","StartingLetter":"O"},{"Heading":"High rise flats","Url":"/criteria/residential-criteria/property/#Highriseflats","Hashtag":"Highriseflats","StartingLetter":"H"},{"Heading":"Ex Local Authority properties","Url":"/criteria/residential-criteria/property/#ExLocalAuthorityproperties","Hashtag":"ExLocalAuthorityproperties","StartingLetter":"E"},{"Heading":"Properties above, adjacent or near to commercial premises","Url":"/criteria/residential-criteria/property/#Propertiesaboveadjacentorneartocommercialpremises","Hashtag":"Propertiesaboveadjacentorneartocommercialpremises","StartingLetter":"P"},{"Heading":"Specialist reports","Url":"/criteria/residential-criteria/property/#specialistreports","Hashtag":"specialistreports","StartingLetter":"S"},{"Heading":"Studio flats","Url":"/criteria/residential-criteria/property/#Studioflats","Hashtag":"Studioflats","StartingLetter":"S"},{"Heading":"Flats with balcony/open deck access","Url":"/criteria/residential-criteria/property/#Flatswithbalconyopendeckaccess","Hashtag":"Flatswithbalconyopendeckaccess","StartingLetter":"F"},{"Heading":"Japanese knotweed","Url":"/criteria/residential-criteria/property/#Japaneseknotweed","Hashtag":"Japaneseknotweed","StartingLetter":"J"},{"Heading":"Solar Panel Leasing Agreements","Url":"/criteria/residential-criteria/property/#SolarPanelLeasingAgreements","Hashtag":"SolarPanelLeasingAgreements","StartingLetter":"S"},{"Heading":"Distressed sale and leaseback","Url":"/criteria/residential-criteria/property/#Distressedsaleandleaseback","Hashtag":"Distressedsaleandleaseback","StartingLetter":"D"},{"Heading":"Construction","Url":"/criteria/residential-criteria/property/#Construction","Hashtag":"Construction","StartingLetter":"C"},{"Heading":"Unacceptable Property/Construction Types","Url":"/criteria/residential-criteria/property/#UnacceptablePropertyConstructionTypes","Hashtag":"UnacceptablePropertyConstructionTypes","StartingLetter":"U"},{"Heading":"Use of property","Url":"/criteria/residential-criteria/property/#Useofproperty","Hashtag":"Useofproperty","StartingLetter":"U"}]},{"Heading":"Professional Sports People","Url":"/criteria/residential-criteria/professional-sports-people/","Category":"Work","StartingLetter":"P","Subjects":[]},{"Heading":"Portability","Url":"/criteria/residential-criteria/portability/","Category":"Mortgage","StartingLetter":"P","Subjects":[]},{"Heading":"Offer expiry","Url":"/criteria/residential-criteria/offer-expiry/","Category":"Mortgage","StartingLetter":"O","Subjects":[]},{"Heading":"Occupancy restricted property / Covenants","Url":"/criteria/residential-criteria/occupancy-restricted-property/","Category":"Property","StartingLetter":"O","Subjects":[{"Heading":"Section 106 planning agreements / restrictive covenants","Url":"/criteria/residential-criteria/occupancy-restricted-property/#Section106planningagreementsrestrictivecovenants","Hashtag":"Section106planningagreementsrestrictivecovenants","StartingLetter":"S"},{"Heading":"Resale Price Covenant Schemes","Url":"/criteria/residential-criteria/occupancy-restricted-property/#ResalePriceCovenantSchemes","Hashtag":"ResalePriceCovenantSchemes","StartingLetter":"R"}]},{"Heading":"Occupancy","Url":"/criteria/residential-criteria/occupancy/","Category":"Property","StartingLetter":"O","Subjects":[{"Heading":"Additional occupants","Url":"/criteria/residential-criteria/occupancy/#Additionaloccupants","Hashtag":"Additionaloccupants","StartingLetter":"A"},{"Heading":"Tenants","Url":"/criteria/residential-criteria/occupancy/#Tenants","Hashtag":"Tenants","StartingLetter":"T"},{"Heading":"Lodgers","Url":"/criteria/residential-criteria/occupancy/#Lodgers","Hashtag":"Lodgers","StartingLetter":"L"},{"Heading":"Applicant not resident in property","Url":"/criteria/residential-criteria/occupancy/#Applicantnotresidentinproperty","Hashtag":"Applicantnotresidentinproperty","StartingLetter":"A"}]},{"Heading":"Number of applicants","Url":"/criteria/residential-criteria/number-of-applicants/","Category":"Mortgage","StartingLetter":"N","Subjects":[]},{"Heading":"Non simultaneous sale (outstanding mortgage)","Url":"/criteria/residential-criteria/non-simultaneous-sale/","Category":"Property","StartingLetter":"N","Subjects":[]},{"Heading":"New build properties","Url":"/criteria/residential-criteria/new-build-properties/","Category":"Property","StartingLetter":"N","Subjects":[{"Heading":"New build cash incentives","Url":"/criteria/residential-criteria/new-build-properties/#Newbuildcashincentives","Hashtag":"Newbuildcashincentives","StartingLetter":"N"},{"Heading":"Acceptable warranty providers","Url":"/criteria/residential-criteria/new-build-properties/#Acceptablewarrantyproviders","Hashtag":"Acceptablewarrantyproviders","StartingLetter":"A"},{"Heading":"Unacceptable Site Search","Url":"/criteria/residential-criteria/new-build-properties/#UnacceptableSiteSearch","Hashtag":"UnacceptableSiteSearch","StartingLetter":"U"}]},{"Heading":"Mortgage-free property (unencumbered properties)","Url":"/criteria/residential-criteria/mortgage-free-property/","Category":"Property","StartingLetter":"M","Subjects":[]},{"Heading":"Minimum/maximum age","Url":"/criteria/residential-criteria/minimum-maximum-age/","Category":"Mortgage","StartingLetter":"M","Subjects":[]},{"Heading":"Maximum term","Url":"/criteria/residential-criteria/maximum-term/","Category":"Mortgage","StartingLetter":"M","Subjects":[]},{"Heading":"Maternity/paternity/adoption leave","Url":"/criteria/residential-criteria/maternity-leave/","Category":"Work","StartingLetter":"M","Subjects":[]},{"Heading":"Location","Url":"/criteria/residential-criteria/location/","Category":"Property","StartingLetter":"L","Subjects":[]},{"Heading":"Let to buy","Url":"/criteria/residential-criteria/let-to-buy/","Category":"Mortgage","StartingLetter":"L","Subjects":[]},{"Heading":"Lending into retirement","Url":"/criteria/residential-criteria/lending-into-retirement/","Category":"Work","StartingLetter":"L","Subjects":[{"Heading":"Verifying Anticipated Retirement Income where the applicant has less than 10 years until retirement","Url":"/criteria/residential-criteria/lending-into-retirement/#VerifyingAnticipatedRetirementIncome","Hashtag":"VerifyingAnticipatedRetirementIncome","StartingLetter":"V"},{"Heading":"Other Income","Url":"/criteria/residential-criteria/lending-into-retirement/#OtherIncome","Hashtag":"OtherIncome","StartingLetter":"O"},{"Heading":"Applicant is already Retired","Url":"/criteria/residential-criteria/lending-into-retirement/#ApplicantisalreadyRetired","Hashtag":"ApplicantisalreadyRetired","StartingLetter":"A"}]},{"Heading":"Large Loan","Url":"/criteria/residential-criteria/large-loan/","Category":"Mortgage","StartingLetter":"L","Subjects":[]},{"Heading":"Islamic mortgages","Url":"/criteria/residential-criteria/islamic-mortgages/","Category":"Mortgage","StartingLetter":"I","Subjects":[]},{"Heading":"Inherited Properties","Url":"/criteria/residential-criteria/inherited-properties/","Category":"Mortgage","StartingLetter":"I","Subjects":[]},{"Heading":"Interest Only - Repayment vehicles","Url":"/criteria/residential-criteria/interest-only-mortgages/","Category":"Mortgage","StartingLetter":"I","Subjects":[]},{"Heading":"Income, Verification - Other Income","Url":"/criteria/residential-criteria/income-verification-other-income/","Category":"Work","StartingLetter":"I","Subjects":[]},{"Heading":"Income, Verification - Main Income","Url":"/criteria/residential-criteria/income-verification-main-income/","Category":"Work","StartingLetter":"I","Subjects":[]},{"Heading":"Income, Treatment - Other Income","Url":"/criteria/residential-criteria/income-treatment-other-income/","Category":"Work","StartingLetter":"I","Subjects":[]},{"Heading":"Income, Treatment - Main Income","Url":"/criteria/residential-criteria/income-treatment-main-income/","Category":"Work","StartingLetter":"I","Subjects":[]},{"Heading":"Identification & Verification","Url":"/criteria/residential-criteria/identification-verification/","Category":"Mortgage","StartingLetter":"I","Subjects":[{"Heading":"Acceptable documentation","Url":"/criteria/residential-criteria/identification-verification/#Acceptabledocumentation","Hashtag":"Acceptabledocumentation","StartingLetter":"A"},{"Heading":"Visa applicants","Url":"/criteria/residential-criteria/identification-verification/#Visaapplicants","Hashtag":"Visaapplicants","StartingLetter":"V"},{"Heading":"How to certify a document","Url":"/criteria/residential-criteria/identification-verification/#Howtocertifyadocument","Hashtag":"Howtocertifyadocument","StartingLetter":"H"}]},{"Heading":"Guarantors","Url":"/criteria/residential-criteria/guarantors/","Category":"Mortgage","StartingLetter":"G","Subjects":[]},{"Heading":"Additional borrowing","Url":"/criteria/residential-criteria/further-advances/","Category":"Mortgage","StartingLetter":"A","Subjects":[]},{"Heading":"Foreign nationals","Url":"/criteria/residential-criteria/foreign-nationals/","Category":"Work","StartingLetter":"F","Subjects":[{"Heading":"Permanent rights to reside","Url":"/criteria/residential-criteria/foreign-nationals/#Permanent rights to reside","Hashtag":"Permanent rights to reside","StartingLetter":"P"},{"Heading":"Temporary rights to reside","Url":"/criteria/residential-criteria/foreign-nationals/#Temporary rights to reside","Hashtag":"Temporary rights to reside","StartingLetter":"T"},{"Heading":"Source of funds","Url":"/criteria/residential-criteria/foreign-nationals/#Sourceoffunds","Hashtag":"Sourceoffunds","StartingLetter":"S"},{"Heading":"Unacceptable Categories","Url":"/criteria/residential-criteria/foreign-nationals/#UnacceptableCategories","Hashtag":"UnacceptableCategories","StartingLetter":"U"},{"Heading":"Refugees","Url":"/criteria/residential-criteria/foreign-nationals/#Refugees","Hashtag":"Refugees","StartingLetter":"R"}]},{"Heading":"First Time Buyers","Url":"/criteria/residential-criteria/first-time-buyers/","Category":"Mortgage","StartingLetter":"F","Subjects":[]},{"Heading":"Finder's Fees","Url":"/criteria/residential-criteria/finders-fees/","Category":"Property","StartingLetter":"F","Subjects":[]},{"Heading":"Ex Pats","Url":"/criteria/residential-criteria/ex-pats/","Category":"Property","StartingLetter":"E","Subjects":[]},{"Heading":"Deposits","Url":"/criteria/residential-criteria/deposits/","Category":"Money","StartingLetter":"D","Subjects":[{"Heading":"Forces Help to Buy Scheme","Url":"/criteria/residential-criteria/deposits/#ForcesHelptoBuyScheme","Hashtag":"ForcesHelptoBuyScheme","StartingLetter":"F"}]},{"Heading":"Decision in Principle","Url":"/criteria/residential-criteria/decision-in-principle/","Category":"Mortgage","StartingLetter":"D","Subjects":[]},{"Heading":"Credit scoring","Url":"/criteria/residential-criteria/credit-scoring/","Category":"Money","StartingLetter":"C","Subjects":[]},{"Heading":"Contractors","Url":"/criteria/residential-criteria/contractors/","Category":"Work","StartingLetter":"C","Subjects":[{"Heading":"Employment contracts","Url":"/criteria/residential-criteria/contractors/#Employmentcontracts","Hashtag":"Employmentcontracts","StartingLetter":"E"},{"Heading":"Subcontractors, fixed/short term contracts, agency workers and umbrella companies","Url":"/criteria/residential-criteria/contractors/#Subcontractorsfixedshorttermcontractsandagencyworkers","Hashtag":"Subcontractorsfixedshorttermcontractsandagencyworkers","StartingLetter":"S"},{"Heading":"CIS Contractors","Url":"/criteria/residential-criteria/contractors/#ConstructionIndustrySchemeCISContractors","Hashtag":"ConstructionIndustrySchemeCISContractors","StartingLetter":"C"},{"Heading":"Probationary contracts","Url":"/criteria/residential-criteria/contractors/#Probationarycontracts","Hashtag":"Probationarycontracts","StartingLetter":"P"},{"Heading":"Zero hours contracts","Url":"/criteria/residential-criteria/contractors/#Zerohourscontracts","Hashtag":"Zerohourscontracts","StartingLetter":"Z"},{"Heading":"Day Rate Contractors","Url":"/criteria/residential-criteria/contractors/#DayRateContractors","Hashtag":"DayRateContractors","StartingLetter":"D"}]},{"Heading":"Concessionary Purchase","Url":"/criteria/residential-criteria/concessionary-purchase/","Category":"Property","StartingLetter":"C","Subjects":[]},{"Heading":"Future Changes","Url":"/criteria/residential-criteria/future-changes/","Category":null,"StartingLetter":"F","Subjects":[]},{"Heading":"Dependents","Url":"/criteria/residential-criteria/dependents/","Category":"Dependents","StartingLetter":"D","Subjects":[]},{"Heading":"Background properties owned by the applicant","Url":"/criteria/residential-criteria/background-properties/","Category":"Property","StartingLetter":"B","Subjects":[{"Heading":"Properties that are not rented out","Url":"/criteria/residential-criteria/background-properties/#Propertiesthatarenotrentedout","Hashtag":"Propertiesthatarenotrentedout","StartingLetter":"P"},{"Heading":"Existing property to be rented out","Url":"/criteria/residential-criteria/background-properties/#Existingpropertytoberentedout","Hashtag":"Existingpropertytoberentedout","StartingLetter":"E"},{"Heading":"Other Buy-to-Let mortgaged properties owned","Url":"/criteria/residential-criteria/background-properties/#OtherBuy-to-Letmortgagedpropertiesowned","Hashtag":"OtherBuy-to-Letmortgagedpropertiesowned","StartingLetter":"O"},{"Heading":"Holiday Lets","Url":"/criteria/residential-criteria/background-properties/#HolidayLets","Hashtag":"HolidayLets","StartingLetter":"H"}]},{"Heading":"Adverse credit","Url":"/criteria/residential-criteria/adverse-credit/","Category":null,"StartingLetter":"A","Subjects":[{"Heading":"CCJs/defaults","Url":"/criteria/residential-criteria/adverse-credit/#CCJsdefaults","Hashtag":"CCJsdefaults","StartingLetter":"C"},{"Heading":"Arrears","Url":"/criteria/residential-criteria/adverse-credit/#Arrears","Hashtag":"Arrears","StartingLetter":"A"},{"Heading":"Bankruptcy / IVA / Debt Relief Order / Debt Management Plan","Url":"/criteria/residential-criteria/adverse-credit/#BankruptcyIVADebtReliefOrder","Hashtag":"BankruptcyIVADebtReliefOrder","StartingLetter":"B"}]},{"Heading":"EWS1 Process – Cladding & External Wall System","Url":"/criteria/residential-criteria/ews1/","Category":null,"StartingLetter":"E","Subjects":[]},{"Heading":"Interest Only Criteria","Url":"/criteria/residential-criteria/interest-only/","Category":null,"StartingLetter":"I","Subjects":[]},{"Heading":"Interest Only - Sale of the security property","Url":"/criteria/residential-criteria/interest-only-sale-of-the-security-property/","Category":null,"StartingLetter":"I","Subjects":[]},{"Heading":"Politically exposed persons","Url":"/criteria/residential-criteria/politically-exposed-persons/","Category":null,"StartingLetter":"P","Subjects":[]}]}