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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Fees and Charges
You can find our valuation fees here.
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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