We’ve increased the maximum loan term at 90% LTV back to 40 years. This change applies to all cases that receive their first DIP on or after Thursday 21 January.

Please remember that for lending over 85% LTV, our enhanced criteria still applies.

Have you noticed our improved timescales?

On average, it currently takes 15 working days for you to receive an offer on 90% LTV cases – half the time it was taking at the start of December. An initial assessment now only takes 3 working days on average. And valuations are completed within 6 days on average. Check our improved timescales here.

Please remember that if the application doesn’t meet the criteria and/or it fails the credit score, it will be declined.