Foreign Nationals without indefinite leave to remain
We can consider foreign nationals without indefinite leave to remain where they hold an eligible work visa and have a minimum of 12 months’ employment history.
We can also consider applicants on a spousal visa as part of a joint application.
Applicants on a skilled worker visa or health and care worker visa must be in permanent employment.
The maximum LTV is 95%
We can potentially accept applicants with up to one month’s mortgage or secured loan arrears in the past 12 months and up to a maximum of two months in the past three years. The account must be up to date at the time of application.
We’ll allow up to 85% LTV on repayment mortgages and up to 75% LTV on interest only mortgages.
We’ll allow up to 95% LTV for purchases and remortgages. Interest only mortgages are capped at 80% LTV and new-build flats at 85% LTV.
We accept flying freeholds where they account for no more than 25% of the property’s gross floor area.
We’ll allow up to 95% LTV on repayment mortgages and up to 80% LTV on interest only mortgages.
We’ll allow up to 95% LTV for purchases and remortgages and up to 80% LTV on interest only mortgages.
We don’t apply a maximum age limit. We welcome interest-only applications that continue into retirement and also offer Retirement Interest Only (RIO) mortgages.
The maximum age at application is 88.
The maximum age at application is 88.
We don’t have a maximum age at the end of the mortgage term.
The maximum age at the end of term is 95 years.
The maximum age at application is 88 for both residential and RIO mortgages.
We don’t apply a maximum age at the end of the mortgage term for Retirement Interest Only (RIO) mortgages.
The maximum employment age we consider is 80. For residential mortgages, the maximum age at application is 75.
We offer Retirement Interest Only (RIO) mortgages up to a maximum loan amount of £2 million.
We can potentially accept applicants with up to one months mortgage arrears in the past 12 months and up to a maximum of two months in the past three years. The account must be up to date at the time of application.
We offer mortgage terms of up to 40 years on both repayment and interest-only mortgages.
We offer mortgage terms up to 41 years.
We don’t apply a maximum mortgage term for Retirement Interest Only (RIO) mortgages.
We allow debt consolidation up to 90% LTV on capital and interest mortgages, and up to 75% on interest only mortgages.
For remortgages where capital raising is for home improvements, we’ll allow:
- Up to 95% LTV on repayment mortgages
- Up to 80% LTV on interest only mortgages
- Up to 85% LTV for remortgages on new build flats and apartments.
We’ll allow a maximum LTV of 75%, subject to the following minimum equity requirements:
- Scotland (except Edinburgh and Dundee) and North East: £100,000
- North West, Yorkshire & Humber and Wales: £120,000
- Rest of UK: £150,000
- London: £250,000 We’ll allow up to 80% LTV on interest-only mortgages, with Sale of Property capped at 75% LTV and a second repayment vehicle used for the remaining 5%.
We can consider applicants with only one year’s accounts on a case-by-case basis, subject to underwriter assessment. Please contact your BDM or our Lending Support team for further details.
We can consider applicants with only one year’s accounts on a case-by-case basis, subject to underwriter assessment. Please contact your BDM or our Lending Support team for further details.