Lending criteria for main residence only

Main residence only

We only accept applications for the purchase or re-mortgage of an applicant's main residence on a residential basis.

For remortgage purposes the property must have been owned and lived in by the applicant's for a minimum of 6 months.

Portability/additional lending/transfer of equity applications must be secured on your client's main residence.

Mortgage loans for the following purchases are not accepted:

For BTL properties please refer to our Buy to Let website. 

Common-sense lending

We will consider cases that are outside of our lending policy in this area if you get in touch.

Relevant case studies