• 95% products available for house purchases
  • Day 1 Valuations on all mortgages
  • Max retirement age accepted – age 70
  • HTB fee free remortgage product
  • Help To Buy – 75% LTV – specific HTB products –
  • Property related capital raising up to 90% LTV
  • Vendor deposits accepted up to 5% (applicant must always put in a minimum 5% deposit)
  • Second properties / Dependant relatives up to 80% LTV
  • HMO for experienced landlords, Maximum of 5 letting rooms.
  • Self-employed – traded for at least 3 years, we can accept an accountant’s certificate (approved accountants on our website)
  • Unsecured commitments being cleared on completion will be ignored providing an explanation is on application form.
  • Credit Card balances < 1k ignored when assessing affordability
  • Loans < 12months to run ignored when assessing affordability, unless significant in overall income. i.e >10% of annual gross salary.
  • Pension deductions on payslips not taken off when assessing affordability
  • CCJ’s and Defaults registered longer than 4 years ago and settled on application are ignored. Equifax needs to be updated.
  • One CCJ or Default registered within the last 4 years less than £500 and settled within 3 months of being registered.
  • Credit Cards / Loans we will accept one missed or late payment in the last 12 months or 2 in the last 3 years.
  • Pay Day Loans – can still be considered as long as it was longer than 6 months ago and there were no missed or late payments.
  • IVA, Bankruptcy previous property possession order considered if discharged over 6 years ago
  • Interest Only Max 50% LTV – if using sale of mortgaged property as repayment vehicle, must be a min of £150k equity in the property. Up to 70 years or stated retirement age (whichever is earliest)
  • Part and part mortgages up to 75% LTV – 50% max LTV on interest only, remainder on repayment, sale of property can be used for the I/O element if there will be £150k equity at the end of the term
  • BTL Maximum70% LTV / Main applicant must be an existing residential home owner and earn a minimum income of £25k
  • Maximum of 8 buy to let properties with mortgages in total portfolio on completion.  Gifted deposits can be accepted from immediate family members
  • Rental calculation 125% at 5.99%
  • BTL products with flat arrangement fees
  • Holiday Homes max LTV 70% and main applicant must earn a minimum of £40k
  • Call Centre open from 8am to 8pm 7 days a week 0113 225 7889
  • Always use our minimum requirement document, NA in boxes, will help to achieve mortgage approvals and avoid requests for further information. Submit ALL minimum requirements together.