Lending and Security Guidelines
Lending and security guidelines
Here you’ll find information on what we’ll consider as part of our mortgage underwriting process. For general questions, please see our frequently asked questions.
It’s important to remember that we also apply our own credit assessment tools, which might mean we have to decline a case, even if it looks like it fits the guidelines on this page.
We have the right to change our underwriting policy at any time, without updating these guidelines beforehand.
You can use the search function to quickly find the information you’re looking for.
If you need any more information, please contact your dedicated Business Development Manager (BDM) or the Intermediary Sales and Support team (ISST).
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Age Requirements Allowable Income Fees and Charges Background BTL Gifted Deposit New Build Valuation Fees Employment Type Nationality Interest Only
Minimum Age Requirements
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One applicant must be aged 21 years
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No applicant can be under 18 years.
Maximum Age Requirements
Capital & Interest
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Loan to be repaid by applicants 75th Birthday
Interest Only
- Loan to be repaid by applicant's 70th Birthday
Subject to affordability including assessment of evidenced post-retirement income if beyond applicant’s declared retirement age.
Definitions
ADV : Advance
BTL : Buy to Let
CAIS : Credit Account Information Sharing
CCJ : County Court Judgment
CII : Consumer Indebtedness Index
COMM : Commission
KFI : Key Facts Illustration
LTV : Loan to Value
RMC : Regulated Mortgage Contract
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