Agricultural Ties
Do we consider lending against properties with Agricultural Ties or Restrictions?
Barn Conversion
Is a Barn Conversion acceptable security to us?
Basement Flat
Are Basement Flats/Apartments acceptable security to us?
BISF Properties
Are BISF Properties considered to be acceptable security to us?
Commonhold Properties
Are Commonhold properties considered acceptable security to us? If so, what is the policy on this?
Concrete Eco Friendly Insulated Construction
Are properties with Insulated Concrete Eco Friendly construction acceptable? If so, what is the policy on this?
Construction Types - Acceptable Types
What types of Non-Standard construction are acceptable to us? What is the policy on this?
Crofted Properties
Are crofted properties / houses considered acceptable security to us?
Ex-Local Authority Flats
Are Ex-Council/Local Authority Flats/Maisonettes considered acceptable security to us?
Ex-Local Authority Houses
Are Ex-Council/Local Authority Houses considered acceptable security to us?
Farm or Small Holding
Will we accept applications for farms or small holdings?
Flat above Commercial Premises
Are Flats/Apartments that are above Commercial Premises considered acceptable security to us?
Flat Roofs
Are properties with any element of a Flat Roof considered acceptable security to us?
Flats - Not New Build
Are Flats/Apartments that are Not New Build/Re-Sale Properties considered acceptable security to us?
Flats / Apartment in Converted Building
Are Flats/Apartments that are in Converted Buildings considered acceptable security to us?
Flats / Apartments above Food Outlets
Are Flats/Apartments that are above Food Outlets considered acceptable security to us?
Flats with Deck Access
Are Flats/Apartments that have Deck/Balcony Access considered acceptable security to us?
Flying Freehold
Are properties with any element of Flying Freehold considered acceptable security to us?
Former Houses of Multiple Occupation (HMO)
Will we accept an application for a property which was formerly an HMO?
Freehold Flats
Are Freehold Flats/Maisonettes considered acceptable security to us?
Freehold Houses / Bungalows
Are freehold houses/bungalows acceptable? If so, what is the policy on this?
Freehold Houses with Self Contained Flats
Are Freehold houses with self contained flats considered acceptable security to us?
Grade 1 Listed Buildings
Are Grade 1 Listed Buildings considered acceptable security to us?
Grade 2 Listed Buildings
Are Grade 2 Listed Buildings considered acceptable security to us?
Holiday Home
Will we accept an application to purchase a Holiday Home?
Japanese Knotweed
Are properties with any evidence of Japanese Knotweed growing within the vicinity considered acceptable security to us?
Knock Through to Property Next Door
Will we accept an application to purchase the property next door to a property already owned by the applicant to knock through?
Landlocked Property
Is a landlocked property with Easements / Rights of Way considered an acceptable security to us?
Lend Against Land
Will we consider an application to lend against the purchase of Land?
Lend in England
Do we lend on properties in England?
Lend in Northern Ireland
Do we lend on properties in Northern Ireland?
Lend in Scotland
Do we lend on properties in Scotland?
Lend in Wales
Do we lend on properties in Wales?
Light Refurbishment
Will we consider an application for a property where Light Refurbishment is required?
Live / Work Units
Are Live/Work Units considered acceptable security?
Maximum Number of Bedrooms
What are the Maximum Number of Bedrooms per property that we will consider as security?
Minimum Number of Bedrooms
What are the Minimum of Bedrooms per property that we will consider as security?
Minimum Square Metres
What is the Minimum Floor Area in Square Metres that is acceptable to you?
Mixed Use Properties / Part Commercial
Are Mixed Use Properties with a Part Commercial element considered acceptable security to us?
Multi-Unit Freehold Block (MUFB)
Will we accept an application to purchase a property which is in a Multi-Unit Freehold Block? If so, what is the policy on this?
Mundic Block Properties
Are properties identified as Mundic Block Construction considered suitable security to us?
Non Standard Construction
Are properties identified as being of a Non-Standard Construction considered suitable security to us?
Non Standard Utilities
Is a property with Non Standard Utilities considered acceptable security to us?
Number of Floors
What is the Maximum number of floors / storeys in a building that will be acceptable to us?
Number of Kitchens
What are the maximum number of kitchens that are acceptable us?
Overage
Will we consider an application where there is an Overage Clause/Agreement against the security address?
Overhead Power Lines
Will we consider lending against a property that has Overhead Power Lines?
Period Properties
Will we consider Period Properties as suitable security?
PRC Properties
Will we consider Pre-Reinforced Concrete (PRC) properties as suitable security?
Properties close to Commercial Outlets
Do we consider Properties that are close to Commercial Outlets as suitable security?
Properties in Poor Condition
Are properties that are in poor condition due to neglect, hoarding, etc. considered acceptable security?
Properties requiring Essential Repairs
Are Properties requiring Essential Repairs acceptable to us? If so, what is the policy on this?
Properties undergoing substantial Alterations, Extensions or Repairs
Are Properties undergoing substantial Alterations, Extensions or Repairs considered acceptable security? If so, what is the policy on this?
Properties where Building Works have not yet commenced
Are Properties where Building Works have not yet commenced an acceptable security? If so, what is the policy on this?
Property affected by Contamination
Will we consider lending against a property affected by Contamination? If so, what is the policy on this?
Property Condition / Minimum Requirements
What is our policy on the Condition of a Property? What are the Minimum Requirements in order to consider lending?
Property with an Annex
Will we consider an application for a Property with an Annex?
Property with Land
Will we consider an application for a Property with Land?
Property with Outbuildings
Will we consider an application for a Property with Outbuildings?
Property with Shared Access / Shared Services
Will we consider an application for a Property that has either Shared Access and/or Shared Services?
Serviced Flat
Are Serviced Flats/Apartments considered suitable security for us?
Sheltered Accommodation
Are Sheltered Accommodation or Retirement Housing considered suitable security for us?
Single Skin Brick and Block Work
Are properties with single skin brick and block work acceptable to us? If so, what is our policy on this?
Solar Panels
Do we consider Properties that have Solar Panels as suitable security?
Spray Foam Insulation Underside of Roof
Is a property that has spray foam insulation on underside of roof considered acceptable security to us?
Steel Framed Construction
Are Steel Framed Properties considered to be acceptable security to us?
Studio Flats
Are Studio Flats or Studio Apartments considered to be acceptable security to us?
Timber Framed Construction
Are Timber Framed Properties considered to be acceptable security to us?
Tyneside Flats Cross Leases
Are Tyneside Flats / Cross Leases considered to be acceptable security to us?
Underpinned Properties
Are Properties that have been Underpinned ever considered to be acceptable security to us?
Wimpey No Fines / Laing Easi Form post 1945 - Non Standard Construction
Are properties identified as a No Fines or Easi Form Construction and built after 1945 considered suitable security for the Lender? If so, what is the policy on this?
Wimpey No Fines / Laing Easi Form pre-1945 - Non Standard Construction
Are properties identified as a No Fines or Easi Form Construction and built prior to 1945 considered suitable security for the Lender? If so, what is the policy on this?
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