Our full lending criteria
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We’ll arrange a desk valuation on any purchase or re-mortgage application.
| Purchase type | Max LTV | Max loan size | Max property value |
|---|---|---|---|
| Residential | 85% | £850,000 | £1,000,000 |
| Buy to Let | 75% | £750,000 | £1,000,000 |
| Holiday Let | 75% | £750,000 | £1,000,000 |
It must be a house that is not listed, has no more than two storeys and has a standard construction.
For all other application types, a physical valuation is required.
We will consider Help to Buy Wales with as little as a 5% deposit.
Right to Buy council schemes.
The mortgage loan must have the same names as those being offered the discount on the legal paperwork. We can lend the total discounted purchase price up to 95% of the property value. Where a clause exists that, for example, restricts the re-sale of the property the maximum loan will be 95% of the lower valuation and the tenant’s discounted purchase price. We don’t lend additional funds for home improvements on a right to buy application. We consider both houses and flats.
We will include rent as a cost to the client when assessing maximum affordability for shared equity purchases.