Bankruptcies

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.

Bridging Finance

We do not accept applications for bridging finance.

CCJ's

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.

Forces Help to Buy

We accept applications with Forces Help to Buy. Please speak to your BDM for further information.

Help to Buy

We are no longer accepting Help to Buy Purchase applications. We only accept Help to Buy Remortgage applications (see Help to Buy Remortgage section).

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 40 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 40 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.

Term of Mortgage

Maximum term available is 40 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 40 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.

Transfer of Equity

Please contact us for further information before creating the application.