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Residential

Lending criteria – residential

You can now access calculators, help guides and support in the Intermediary Hub

Use the links below for details of our residential lending criteria and help with submitting the right documentation.

Packaging checklist

Lending Criteria at a glance

Use our A to Z tool below for details of our residential lending criteria
  • Additional borrowing
  • Adverse credit history
  • Affordability
  • Age/Term
  • Allowable income table
  • Armed forces personnel
  • Automated valuation model (AVM)
  • Borrower numbers and types
  • Client ID&V
  • Commitments
  • Contract workers
     
  • Dependent Relative
  • Deposit
  • Diplomatic immunity
  • Discounted market sales
  • Employed by relative
  • Employed
  • Family Springboard
  • First-time buyers
  • Help to Buy equity loan scheme
  • Help to Buy – Forces Help to Buy
  • Income multiples
  • Interest-only mortgages
  • Interest-only repayment vehicles
  • Internet bank statements
  • Japanese knotweed
  • Joint borrower, sole proprietor
  • Large loans
  • Loan purpose
  • Loan size
  • Loan to Value (LTV)
  • Mixed-use properties
  • New build properties
  • Offer validity
  • Overage
  • Porting
  • Property types

 
  • Reduced income for defined period of time
  • Requirements
  • Reserves
  • Residency
  • Right to Buy
  • Scottish surveyor panel list
  • Scottish valuations
  • Second properties
  • Self-build mortgages
  • Self-employed
  • Shared equity
  • Shared ownership
  • Supporting documentation
  • Undervalue property
  • Valuation appeals
  • Valuations
  • Vendor-gifted deposit