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Our office opening hours are Monday to Friday 9 am – 3 pm and Saturday 9 am to 12pm.
Office telephones will be open Monday to Friday 9 am to 4.30pm.
Our telephone opening hours at Principal Office are 9 am – 6 pm Monday to Friday and 9 am to 12 pm on Saturdays.
Please note visitors to our offices and Principal Office will be required to wear a face covering.
Thank you for your cooperation.
The following types of property are not acceptable: Properties of non-standard (classed as defective under the Housing Act) construction Freehold flats Studio flats Bedsits Houseboats Property adversely affected by subsidence Property in a derelict condition Multiple occupancy properties Properties with a value of less than £90,000 Properties described in the valuation report as being unsuitable...Learn more
Applicants must have been trading for a minimum period of 24 months For self-employed applicants and company directors owning 331/3% or more of the company, the following are required:- LTV < 75% – most recent two years accounts or SA302 documents and respective Tax Year Overviews LTV > 75% – most recent two years accounts...Learn more
Self build applications will be considered where the applicant intends to reside in the property in line with general criteria and in addition the following will also apply:Learn more
Permitted The maximum loan to value ratio considered by the Society is 95% of the share being purchased subject to a maximum of 75% of the value of the property for the purposes of staircasing (maximum 60% LTV for new build flats) Society will only lend on 25% of affordable scheme housing on any single...Learn more
Permitted in line with general criteria secured against borrower’s prime residential property to max 60% LTV. Short term loan purposes considered: Assist in purchase of a new residential property whilst awaiting sale of the existing property Residential development finance on another property Self build Purchase a residential property where a term of less than 5...Learn more