Our lending criteria

Please find our full lending criteria below. We've also introduced some interim criteria changes in response to the Coronavirus crisis and the different levels of government support offered to different groups. These changes are designed to help us to continue to lend responsibly to our members alongside our usual criteria and are detailed at the top of the page.

Interim criteria

Income criteria changes and pipeline update

Full lending criteria

Acceptable property types

Affordability calculator

Age of applicants

Buy-to-Let/Consumer Buy-to-Let

Capital raising


Debt consolidation

Heartland definition

Interest-only and repayment types

Holiday-Let criteria

Lending criteria where loan exceeds 80% LTV

Lending into retirement

Joint Borrower Sole Proprietor

Loan to income

LTV and maximum loan sizes

Minimum and maximum term

Portfolio landlords

Regulated Buy-to-Let

Self-employed income

Short-term lending

Valuation fees

Probation periods

Fixed term contracts

Get in touch

BDM contacts

Get in touch with our team directly


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