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 may consider applicants who have been discharged from bankruptcy for more than six years. Applications will be assessed on a case-by-case basis. Please contact our team to discuss.
We can consider barn conversions, subject to the construction type and an acceptable warranty or architect’s certificate.
We can consider these properties, provided they are let as a single unit and subject to an individual assessment.
We may consider lending on basement flats.
We accept annual bonus payments as an acceptable source of income. We’ll use up to 100% of bonus income where there is evidence of a consistent payment history.
We can accept bonus income as a source of income for affordability purposes. We’ll use up to 100% where there is evidence of a consistent payment history.
We can accept bonus income as a source of income for affordability purposes. We’ll use up to 100% where there is evidence of a consistent payment history.
We can accept bonus income as a source of income for affordability purposes. We’ll use up to 100% where there is evidence of a consistent payment history.