Enhanced lending policy? We're on it

As part of our Continuous Improvement Programme we strive to ensure that we react to feedback and develop our offering. We are therefore pleased to confirm a number of enhancements to our lending policy as well as our affordability calculation to allow us to broaden our reach to more customers.

Our lending policy

Some of the recent changes are:

• Lodgers
  Now acceptable as long as we receive a signed deed of consent form, however rental income should not be used as income for affordability.
• Child tax credit
  Considered where child care costs are applicable. Child care costs to be declared net of any child tax credits.
• 100% Child Maintenance
  Considered via court order, CSA arrangement or family agreement where deemed sustainable.

Making us your first choice

Our award winning service provides offers within 11 working days* (based on the last 7 days) and calls are answered on average within 37 seconds based on the last 30 days.

*Application to offer days are calculated from the date of receipt of the application.

To help us maintain and further improve our application to offer time, please ensure that you upload a payslip for all employed applicants at the point of submission.