"All I want is clear and simple mortgage help. Is that too much to ask?"

Standard Criteria

Standard Mortgages
*Please note that meeting the above lending criteria does guarantee that we will make an offer of loan. Your individual circumstances will be considered upon application.
Loan to Value £25,001 to £300,000 95%
£300,001 to £500,000 90%
£500,001 to £750,000 85%
£750,001 to £850,000 80%
£850,001 to £1,000,000 75%
Minimum age 21 (principle applicant)
Income multiples

Single: 4.5x
Joint: 4x or 4.5 + 1

On specific 5 year fixed rates we will offer 5x single, 4.5x joint (or 5 + 1)

Please note, existing credit and other on-going commitments are deducted from the applicant(s) income(s) before multiples are applied.
Property type Properties built within the last 12 months, those being purchased for the first time since conversion, studio flats and flats in 'mixed user' properties (e.g. above commercial premises) are limited to a maximum of 75% LTV.
10% overpayment Facility available which allows overpayments up to 10% of the balance outstanding each financial year (1st April - 31st March), without incurring any Early Repayment Charges. The minimum overpayment amount is £2,000.
Free Legals for Remortgagers If your mortgage is described as 'No legal fees (for remortgagers only)' we will pay the fees for remortgages only via our nominated solicitors. Terms and conditions apply, see our General Lending Criteria for details.
Documents required for loans up to £750,000

We require original documents or legible, certified black and white copies only (colour copies are not acceptable). Contact us for details of who can certify the copies. Applicants must supply all documents listed under 'minimum requirements' below and only the relevant documentation listed under 'additional requirements'. Underwriters reserve the right to request further information at their discretion. Please note that in all cases, we carry out a full credit search.

minimum requirements - applicants must supply these 2 documents

  1. proof of occupancy for all applicants at all addresses in the past 12 months where not listed on the Voters Roll.
  2. valuation report.
additional requirements - supply only the relevant documents
Credit scoreband LTV less than 75% LTV of 75% - 80% LTV more than 85%
*Latest mortgage statement of lenders reference if Credit Bureau confirmation is not available
A no additional documents required Proof of mortgage payment*

Proof of mortgage payment*

Employed latest 3 payslips

Self-employed 2 years accounts
B

Proof of mortgage payment*

Employed latest 3 payslips

Self-employed 2 year accountants letter
C Proof of mortgage payment*