Common sense credit and income criteria

Some people do not have the perfect financial profile for their plans and find their credit score ‘does not compute’. We aim to see the person beyond the profile and offer practical lending on mortgage affordability and credit history, not automated credit scoring.
For example, we take a common sense view on missed payments and defaults, allowing the occasional missed payment on a phone plan or a credit card over three months ago on prime lending.

Our Versatility Range

Our Versatility guide includes credit criteria for prime lending, take a look to find out more.

Not only that but we can also be flexible on income and can allow applicants to use up to 50% of regular bonus, commission and overtime payments. We can also take a common sense view of self-employed applicants with 2 years’ history up to 95% LTV.

For more information about our products and services, including applying through our online portal, call us on 01623 904601 or visit our website.

If you have a client that needs a lender that sees the person, not just the numbers, check with our affordability calculator or give us a call 01623 904601.