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Last updated 31 January 2025.
21 – if joint application, at least one applicant must be 21.
CCJs/Defaults within the last 3 years are not acceptable.
CCJs/Defaults => 3 years prior to application are acceptable up to a maximum £2,500 – subject to an explanation and being cleared/satisfied 12 months prior to application.
No other adverse entries must show on credit file.
CCJs/Defaults are not acceptable over 80% LTV.
For non-UK nationals we require the applicant(s) to have resided in the UK for a minimum of 2 years. We will also require proof of indefinite leave to remain/residence certificate or settled or pre-settled status in the UK.
Applicants in probationary period are acceptable, providing they are in like-for-like employment with no gap in employment.
Please note that for LTV > 80%, applicants must have completed any probationary period (refer if the probation period is more than the standard 6 months).
Applicants’ own deposit or gift from an immediate family member (spouse, parent, grandparent, sibling, child or grandchild) is acceptable. Evidence of the source of deposit is required. Loan from a UK Trust Fund provided no monthly repayment is required and the only condition attached to the loan is that it is repayable upon sale of the property. Any other form of loan from a Trust Fund will not be accepted.
4.5 x for sole income up to £74,999 and joint income up to £999,999. 5.5 x for sole income of £75,000 or over and joint income of £100,000 or over.
Minimum: £30,000
Maximum: Please refer to product portfolio
£100,000
Both freehold and leasehold are acceptable for houses.
Freehold flats/maisonettes are not acceptable - leasehold only.
Flying freeholds – refer.
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