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Blog Archives

Pay Day Loans


If there has been a single instance of a payday loan in the last twelve months and it was less than 10% of monthly net salary, this can be disregarded if a satisfactory explanation is received If a payday loan has been obtained in the last twelve months exceeding 10% of monthly net salary, the...

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A maximum portfolio of 3 properties in total in mortgage to the Society or other lenders will be allowable to an individual or connected counterparty. Full details must be obtained from the applicant and details verified, as far as possible, to the loans reported on the credit search The maximum that may be lent to...

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Property Types


The following types of property are acceptable as security: Properties in England and Wales only Property with a minimum valuation of £90,000 Leasehold with minimum remaining term on the lease of 70 years at the end of the mortgage term Property in shared ownership Owner occupied private dwelling Acceptable security types: Houses: Detached/semi-detached/terraced/townhouse/bungalow built of...

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Part and Part combined


Permitted on specific products – refer to product guide Maximum LTV 75% (60% for interest only part) Minimum equity £175,000 (£250,000 where downsizing is the repayment strategy) Repayment element of a part interest only mortgage can count towards the minimum equity requirement

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