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Lending - Lending Criteria


We generally do not accept applications where any of the applicants are currently bankrupt. Where an applicant is a discharged bankrupt please contact us for further information.


Will be taken into account during the credit scoring process and further information relating to the circumstances should be provided.

Consumer Buy to Let

Not available in England.

Debt Consolidation

Not available in England.

Distressed Sales and Leaseback

We do not accept applications involving a distressed sale and leaseback.

Help to Buy

We will only consider applications that are part of the Government's Help to Buy: Equity loan scheme. The applicant must meet the eligibility rules for the Help to Buy: equity loan scheme and our standard lending criteria.

Help to Buy: Equity Loan homebuyers' guide (GOV.UK)

We accept purchase applications on new build properties for the Help to Buy: equity loan scheme in England only. (Currently only available in 3 regions: East of England, South West and South East including London.

Please ensure your application meets the requirements for the Help to Buy scheme.

Applicants will first need to apply for the equity loan through a Help to Buy Agent in their region and will require an ‘Authority to Proceed' in advance of making the mortgage application.


As part of the affordability assessment 3% of the equity loan will be included as a commitment.

Interest Only Mortgages

We do not accept applications for interest only mortgages.

Investment Property Loans / Buy to Let

Not available in England.

Lending into Retirement

Maximum term available is 35 years or advised retirement age, whichever is sooner. Retirement age is based on the lower of that advised by the applicant, or age 70. Loans may be extended beyond retirement age provided that verified post retirement income meets affordability criteria rules.

This concession does not, however, allow the maximum loan term of 35 years to be exceeded, and the mortgage must be repaid by the applicant's 75th birthday.

For joint applications, advised retirement (being the lower of the applicant advised age or age 70) applies to:

  • Main income earner if serviceability is based on this income alone, or
  • Both applicants if serviceability is dependent upon both incomes.

Right to Buy

Not available in England.

Sub Sales / Buyback

We do not permit Sub Sales or Buyback.

Transfer of Equity

Please contact us for further information before creating the application.

Want to get in touch?

0345 607 0213

(Lines open 9am to 5pm Monday to Friday)