Residential Lending Criteria

What we’ll lend on and who we’ll lend to for residential applications. You can also ask our 'always on' criteria chatbot assistant.

• Accountant Qualifications
• Acreage restrictions
• Additional Borrowing
• Adoption Allowance
• Adverse credit
• Affordable Housing
• Age Gap Between Customers
• Agency Workers
• All Benefits No Earned Income
• Bank nurse
• Customers
• Customer with Diplomatic Immunity
• Customers Paid in a Foreign Currency
• Apprentice
• APRC
• Airbnb
• Arrears (mortgage, secured and unsecured)
• Assignable Contracts
• AVM (Automated Valuation Model)
• Back-to-Back Remortgage
• Bank Statements
• Bankruptcy
• Back-to-back Transactions
• Barn Conversion
• Benefit Income
• Below market value purchase
• BISF Properties
• Bridging
• Bonuses
• Borrow Back Facility
• Borrowing purposes
• British National Working Overseas or Offshore
• Builder's deposit
• Builder Part Exchange
• Bursaries
• Buy for University (Student Mortgages)
• Cabin Crew
• Can extend mortgage offer
• Capital Raising
• Carer's Allowance
• Cashback
• Cash Reserve / Facility for Additional Funds
• Childcare Costs
• CIS Workers / Sub-Contractors
• Cladding
• Change of property
• Coal Mining Authority Reports
• Company Directors based Overseas
• Commercial properties
• Commission
• Commission Only Pay
• Communications default
• Company / Occupational Pension
• Conflict of Interest
• Consent to let
• Concessionary Purchase and Gifted Equity (Family)
• Concessionary purchase (Landlord)
• Construction types
• Contractor (Day Rate) Professional Services
• Converted flats
• Credit Commitments To Be Repaid
• Credit commitments with less than 12 months remaining
• Credit referencing
• Credit Score
• Criminal record
• Cryptocurrency
• Day 1 Remortgage
• Daily Interest
• Debt Consolidation
• Declines
• Dependant Relative Purchase
• Deposit Sources - Acceptable
• Direct debit
• Director's Dividends
• Director's Loans
• Diplomatic immunity
• Disability Living Allowance
• Discounted Market Sales
• Disqualified directors
• Dividend income from shares
• Distressed Sales
• Dry rot
• Early Repayment Charges (ERCs)
• Employment
• Employed by family
• Employed - Future Employment
• Employed Director - Share in Business
• Employer's Reference
• Energy performance certificate (EPC) ratings
• ESIS
• Estate charges/ground rent
• Execution only
• Existing customers
• Expenditure
• Expatriates
• Family Assisted Mortgage
• Our fees and charges
• First Home Scheme
• First monthly payment
• First Time Buyer
• Fixed-term contractors
• Flat Roofs
• Flats with Deck Access
• Flats above Commercial Premises
• Flooding
• Flying freeholds
• Foreign Currency Incomes
• Foreign Nationals
• Former Houses of Multiple Occupation (HMO)
• Foster care
• Forces help to buy
• Forces Personnel
• Freehold flats
• Freehold maisonettes
• Full Vacant Possession required on Completion
• Further Advance
• Gambling Transactions
• Foreign and gifted deposits
• Grade Listed Buildings
• Green Mortgages
• Guaranteed Income Payment for Forces
• Guarantors
• Guardian's Allowance
• Ground rent
• Help to buy
• Higher Lending Charge
• High-rise flats
• Holiday Home
• Housing benefit
• Identification Proof
• In an Arrangement To Pay
• Income from a Lodger
• Industrial Injuries Disablement Benefit
• Inheritance
• Inherited property
• Interest only
• IT Contractors
• Investment Income
• Japanese knotweed
• Job Seeker's Allowance
• Joint Borrower Sole Proprietor (JBSP)
• Key Worker Scheme
• Kitchens
• Knock Through to Property Next Door
• Landlocked Property
• Large Loans
• Lease term remaining
• Leasehold flats and houses – management charges and ground rent
• Lend Against Land
• Lender's Exposure Limits within a Development or Postcode Area
• Lending above 85% LTV
• Lending in Retirement - Customer Retired at Application
• Lending into Retirement - Term Extends into Retirement
• Light Refurbishment
• Local Authority Grant Scheme
• Lodger / Boarder
• Loan to income multiples
• London Weighting / Large Town Allowance
• Lending to Limited Companies
• Lending to Trustees
• Limited Company Directors
• Limited liability partnerships
• Live/work properties
• Loan amount
• Local/ex-local authority property
• Location
• Maintenance payments – Court Ordered
• Maintenance payments - Not Court Ordered
• Maternity, Paternity and Parental leave
• Maximum age
• Maximum LTV (and loan size)
• Maximum Number of Bedrooms
• Maximum Number of Floors / Storeys without a Lift
• Maximum term
• Minimum Income
• Minimum loan
• Minimum Property Value
• Minimum Square Metres
• Minimum term
• Mixed Use Properties / Part Commercial
• Mortgage Guarantee Scheme
• Mortgage Offer Validity - New Build House / Flat
• Mortgage Prisoners
• Mortgage Subsidy from Employer
• Mortgage Term in Years and Months
• Multi-Unit Freehold Block (MUFB)
• Mundic Block Properties
• New Build
• NHS Trainee Doctors – Fixed Term Contract
• Non-EU Foreign Nationals
• Non-Simultaneous Sale & Completion
• Non-UK Tax Payer
• Non-Standard Utilities
• Occupancy
• Offer extensions
• Offset Mortgages
• Offshore Mortgage
• Overage
• Overdraft Usage
• Overhead Power Lines
• Overtime
• Incentives
• Offer Validity Period
• Overpayment Allowance
• Payday loans
• Paid In Cash
• Part and Part mortgages
• Equity Partner - Limited Liability Partnership
• Percentage of Credit Card Balance used for Affordability
• Pension Income
• Pension Contributions
• Porting
• Pre-emption
• Private water supplies
• Probation
• Product fees
• Product Transfers
• Proof of address
• Property location
• Properties above commercial premises
• Property rental income
• Purpose of the loan
• Repayment methods
• Right to Buy
• Remortgage from a Bridging Loan
• Rental income
• Re-offers and Product Switching to a Lower Rate Pre-Completion
• Residency and foreign nationals
• Restrictive covenants
• Retentions Full/Partial
• Retirement Interest Only (RIO): Mortgages
• Scottish properties
• Seasonal Employment
• Seafarers
• School Fees
• Search Indemnity Insurance
• Second customers
• Second Charges
• Second Charges – Existing borrowers
• Second Residential Property
• Second Job Income
• Self-builds
• Self-employed
• Service Charge and Ground Rent
• Sharia Law Mortgages
• Shared Equity
• Shared ownership
• Shift Allowances
• Short Term Renewable Contracts
• Soft Footprint at DIP/AIP Stage
• Solar panels
• Sole customers
• Sole Trader/Partnership
• Solicitors
• Split Mortgage Terms
• Sports Professionals
• Spray Foam Insulation Underside of Roof
• Spousal Dependent Visa
• Spousal Maintenance
• Standard Variable Rate
• Structural reports
• Student loans
• Subcontractors
• Sub-Sales and Reassignment of Sale Contracts
• Studio flats
• Term
• Tenanted properties
• Tenure
• Tips/Tronc
• Transfer of equity
• Two Customers on Mortgage but One Named on Deeds
• UK Bank Account & Direct Debit Mandate
• Umbrella/Agency Employed on PAYE
• Unadopted Roads
• Unauthorised Overdraft Charges
• Unaccepted property types
• Unacceptable Customers
• Unearned Income e.g. Trust Funds
• Underpinned Properties
• Undervalue transactions
• Unencumbered Properties
• Unsatisfied CCJs
• Unsatisfied Defaults
• Universal Credit
• Valuation Appeals
• Valuation Report Validity
• Valuation Minimum Property values
• Vendor Gifted Deposit
• Voter's Roll (Electoral Register)
• Vulnerable Customers
• Widow's Pension
• Working for a Family Business
• Working tax credit
• Zero Hour Contracts
• State Pension Income
• Changing the Property After Getting a Mortgage Offer
• BNO Visas
• Financial Associates with Adverse Credit