Great news! Our new products are available to view on our intermediary website and all sourcing systems.
View our Residential Product Guides and Buy to Let Product Guides.
Criteria highlights
- Enhanced income multiples for residential re-mortgages and purchases (minimum income levels apply)
- Joint borrower, sole proprietor – only where the additional borrower(s) is an immediate relative
- Up to four applicants on the mortgage, with a minimum of one applicant on the property deeds
- Maximum age 80 considered – term based on the oldest applicants age
- Residential mortgages for customers with a less than perfect credit profile or a low credit score
- Contractors – umbrella contractors accepted in the same way as limited company contractors
- Self-employed – profit before taxation plus directors remuneration can now be used. An average is taken over the last 2 years if 100% of shareholders are on the mortgage and sustainability of the business can be evidenced.
For full details on the points above, please refer to our Lending Criteria Guide. Our Residential and Buy to Let Calculators are also available to see how much your customer could borrow before submitting an application.