We are unable to lend to the following customers:
- Undischarged bankruptcies
- Guarantors
- Customers with repossession proceedings pending
- Customers subject to diplomatic immunity from the UK legal system
- Residents of countries subject to HMT or OFAC economic measures, or where the FATF counter measures are deemed ineffective
- Customers who have ever been convicted of, or have a prosecution pending, for any offence other than minor driving offences (e.g. parking or speeding) which are not spent under the Rehabilitation of Offenders Act 1974
- Customers with no UK bank current account
- Customers that do not currently reside in the UK
- Because of the issues related to potential money laundering and complexities related to the legal title, the firm does not lend to trusts or limited liability partnerships
- Ltd Companies / SPVs – Residential lending is only available to individuals