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Lending Criteria.

Our criteria is split into residential and buy to let, so use the options below to find the criteria you need.

Visas: Family Visa (Spousal etc)

Indicates if we can potentially consider applicants who hold a Family Visa. Types of Family Visas are spouse or partner, fiancé, fiancée or proposed civil partner, child, parent or relative who’ll provide long-term care for you.

We can potentially consider applicants that hold a Family Visa. Maximum 80% LTV and must be in a professional position. Please discuss with our Business Development Team for further details.

Visas: Minimum number months remaining on visa

Indicates if we can consider an applicant on a visa and if so what is the minimum requirement (in MONTHS) that the applicant must have remaining on BTL applications

They must have a minimum of 24 months on their visa and an existing 24 months already spent in the UK.

Visas: Working Visa (Tier 1 – Investors, entrepreneurs and talent visas)

Indicates if we can potentially accept a buy to let application from an applicant that holds a Working Tier 1 Visa. These visas can be issued to Entrepreneurs, Exceptional Talents, Graduate Entrepreneurs, and Investors.

We can potentially consider applicants that hold a ‘Tier 1’ working visa. Maximum 80% LTV. Because of the potential short term nature of residency, the applicant(s) should be of a professional standing and working in one of the following sectors – Education, Healthcare, Finance & Banking, IT, Legal, Marketing Professionals, Science Research & Development, Energy Sector and Construction Industry Professionals (Not Trades) e.g. Architects.

Visas: Working Visa (Tier 2 – Long-term work visas)

Indicates if we can potentially accept a buy to let application from an applicant that holds a Working Tier 2 Visa. These visas can be issued to General workers who’ve been offered a skilled position in the UK, Intra-company Transfers, Ministers of Religion and Sportspersons.

We can potentially consider applicants that hold a ‘Tier 2’ working visa. Maximum 80% LTV. Because of the potential short term nature of residency, the applicant(s) should be of a professional standing and working in one of the following sectors – Education, Healthcare, Finance & Banking, IT, Legal, Marketing Professionals, Science Research & Development, Energy Sector and Construction Industry Professionals (Not Trades) e.g. Architects.