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 don’t accept off-plan new-build purchases.
We may consider AEDIS as an acceptable new build warranty. Please contact our Lending Support team on 0800 138 9190 for more details.
We don’t accept Build Assure as a new build warranty provider.
We can accept Building Life Plans as a new build warranty provider.
We may consider Buildzone as new build warranty provider. Please contact our Lending Support team on 0800 138 9190 for more details.
We may consider Checkmate as a new build warranty provider. Please contact our Lending Support team on 0800 138 9190 for more details.
We don’t accept CRL Management Ltd as a New Build warranty provider.
We don’t accept Global Home Warranties as a New Build warranty provider.
We can accept ICW as a New Build warranty provider.
We don’t accept NHBC Guarantee as a New Build warranty provider.
We may consider Premier Guarantee Scheme as a new build warranty provider. Please contact our Lending Support team on 0800 138 9190 for more details.
We accept a Professional Consultant’s Certificate (PCC) where it follows the UK Finance prescribed format without amendments and is signed by an appropriately qualified consultant (identified in Part 1 of the CML Lenders Handbook).
We may consider Protek as a new-build warranty provider. Please contact our Lending Support team on 0800 138 9109 for full details.
We don’t accept Q Assure Build as a new-build warranty provider.
We don’t accept Zurich Municipal as a new-build warranty provider.
We accept both new-build houses and new-build flats.
Properties above, opposite or adjacent to certain commercial premises may be referred for further assessment.
We can consider cases where an applicant’s related sale does not complete on the same day as their onward residential purchase, subject to underwriter assessment.