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    Accord buy-to-let logo

    A to Z Criteria | Buy to Let

    Accord 3d logo

    Lending criteria

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    A

    Acceptable forms of income  
    Acceptable deposit sources  
    Accidental landlord  
    Additional lending 
    Adverse credit 
    Age 
    Allowances

     

    B

    Benefits
    Background BTL portfolio   
    Bankruptcy   
    Buildings insurance  

     

    C

    Carer's allowance (CA)
    CCJs 
    Child benefit
    Compulsory purchase order 
    Concessionary purchase deposit 
    Concessionary purchase remortgaging 
    Cladding 
    Consumer BTL 
    Credit checks 
    Crypocurrency income 
    Cryptocurrency deposit 

     

    D

    Debt consolidation
    Debt management plans (DMP)  
    Defaults 
    Deposit  
    Deductions from income 
    Diplomatic immunity  
    Disability living allowance (DLA)

     

    E

    Energy performance 
    Energy performance certificate 
    Evidence of income 
    Estate rent charges  
    Evidence of income  
    Exposure limits 

     

    F

    First time landlord 
    Fixed term contracts
    Foster care income
    Foster carers
    Foreign nationals   
    Foreign income   
    Freehold flats or maisonettes  
    Freehold service charges   
    Flying freehold   

     

    G

    Gifted deposit  
    Ground rent  

     

    H

    Holiday homes 

     

    I

    Income
    Indefinite leave to remain
    Individual voluntary arrangement 
    Industrial injuries disablement benefit (IIDB)
    Inherited properties 
    Interest only  
    Interest coverage ratio
    Inter-family purchases 
    Investor Clubs 
    Investment income 
    Investment groups 
    Isolated rural properties 

     

    J

    Japanese knotweed 

     

    L

    Land with planning permission 
    Lending into retirement  
    Length of tenancies  
    Let to buy (LTB)  
    Loan and LTV limits 
    Location  
    Locum income  
    LLPs 

     

    M

    Maternity income 
    Maintenance payments  
    Maximum portfolio lending  
    Modern methods of construction  
    Minimum property value  
    Min/Max loan size   
    Min/Max loan terms  
    Min/Max LTV  
    Missed payments  
    Mundic

     

    N

    NI Contributions based Employment Support Allowance (ESA)
    New build 
    New build warranties  
    New build incentives  
    Number of borrowers  
    Number of tenants 

     

    O

    Overriding interest

     

    P

    Partnership  
    Payday loans 
    Personal independence payment (PIP)
    Portability  
    Portfolio landlord  
    Portfolio landlord definition  
    Portfolio lending limits  
    Pre-settled status
    Property specifics    
    Properties with land and planning permission 
    Property above or below commercial  
    Property developers  
    Partially built property  

     

    R

    Rental coverage  
    Rental value 
    Remortgages  
    Repayment strategies (Interest only) 
    Reports and retentions 
    Repossessions  
    Retirement income  
    Retirement lending
    Retirement pension
    Right to Buy 

     

    S

    Salaried directors  
    Salaried income  
    Scottish Child Disablement Payment (CDP)
    Sequestration 
    Self employed  
    Settled status
    Social housing schemes  
    Solar panels 
    Sports professionals  
    Studio flats  
    Shared ownership 
    Shared equity  
    Sub sales 

     

    T

    Tenancy limits  
    Tenure  
    Terms into retirement  
    Top slicing  
    Trust Deeds   
    Tyneside flats  
    Timeshare accommodation  
    Timber construction 

     

    U

    Umbrella companies  
    Unacceptable applicants  
    Unacceptable deposit sources
    Unacceptable loan purposes  
    Unacceptable properties
     

     

    V

    Valuations  
    Vendor deposits

     

    W

    Warranties for new build
    Widows pension
    War widows pension
    War disablement pension

     

    Z

    Zero hours contracts

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    Information on this site is for use by authorised intermediaries only and should not be relied upon by anyone else.

    Accord Mortgages Limited is authorised and regulated by the Financial Conduct Authority. Accord Mortgages Limited is entered in the Financial Services Register under registration number 305936. Buy to Let mortgages for business purposes are not regulated by the Financial Conduct Authority. Accord Mortgages Limited is registered in England No: 2139881. Registered Office: Yorkshire House, Yorkshire Drive, Bradford BD5 8LJ. Accord Mortgages is a registered Trade Mark of Accord Mortgages Limited.

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