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FOR THE USE OF MORTGAGE INTERMEDIARIES & OTHER PROFESSIONALS ONLY

  1. Intermediaries
  2. Criteria
  3. Residential Criteria

  • Residential criteria

    Covid-19 Support

    We’ve temporarily changed some of our lending criteria to support our customers and brokers – visit our new Covid-19 support page for more information.

    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

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    Background properties owned by the applicant

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

    Concessionary Purchase

    Coronavirus / COVID-19

    IncomeMortgage offers

    Ex Pats

    Finder's Fees

    Location

    Mortgage-free property (unencumbered properties)

    New build properties

    New build cash incentivesUnacceptable Site Search

    Non simultaneous sale (outstanding mortgage)

    Occupancy

    RemortgagesAdditional occupantsTenantsLodgersApplicant not resident in propertyDependant relatives

    Product transfers

    Property

    ConditionLeasehold propertyEstate Management ChargesGround RentOther Freehold ArrangementsHigh rise flatsFlats above business premisesStudio flatsEx Local Authority propertiesJapanese knotweedSolar Panel Leasing AgreementsDistressed sale and leasebackConstructionUnacceptable Property/Construction TypesUse of property

    Rate Switch

    Revised property details

    Second home loans

    Sub sales and back-to-back transactions

    Tied accommodation

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If you do not have professional experience, you should not rely on the information contained in this communication. If you are a professional and you reproduce any part of the information contained in this communication, to be used with or to advise retail clients, you must ensure it conforms to the Financial Conduct Authority's advising and selling rules. This site is intended for UK residents unless otherwise stated.

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