This website is for professional Intermediaries only – Northern Ireland

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

For Consumer Buy to Let applications, please contact us.

Debt Consolidation

We will normally only consider debt consolidation for our existing residential mortgage customers. Please contact us.

Distressed Sales and Leaseback

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

Interest Only Mortgages

We do not accept applications for interest only mortgages.

Investment Property Loans / Buy to Let

For Investment Property Loans / Buy to Let, please contact us.

Retirement Home Plan / Lifetime Mortgage

We do not offer Retirement Home Plans or Lifetime Mortgages.

Right to Buy

We can only accept Northern Ireland Housing Executive (NIHE) applications through this channel.

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 600 5775

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