Age Restricted Accommodation
Is Age Restricted Accommodation considered suitable security for us?
Agricultural Ties
Do we consider lending against properties with Agricultural Ties or Restrictions?
Barn Conversion
Is a Barn Conversion acceptable security to us?
Basement Conversions
Will we consider a property where a basement has been converted? If so, what is the policy on this?
Basement Flat
Are Basement Flats/Apartments acceptable security to us?
BISF Properties
Are BISF Properties considered to be acceptable security to us?
Composite Cladding / EWS1 Form
What is your policy surrounding Composite Cladding / EWS1 Forms?
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?
Electricity Pylon in the garden
Will you, the Lender accept a property where there is an Electricity Pylon in the garden? Whilst it will be subject to Valuers comments, what guidance can you give? Eg it must be more than 20 metres from the front door, it can not be on the title deeds but it is acceptable if its 10 metres away etc
EWS1 Forms: Safety Certificate Providers
Will we consider an application for a property regardless of which company has issued the EWS1 form? If not, what are the companies that are considered unacceptable?
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? If so, what % do we accept, do cases need to be referred in the first instance?
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 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?
Ground Rent - Doubling
Are Doubling Ground Rents Acceptable to us? If so, what is the policy on this?
Ground Rent - Escalating
Are Escalating Ground Rents Acceptable to us? If so, what is the policy on this?
Ground Rent - Peppercorn
Are Peppercorn Ground Rents Acceptable to you, the lender? If so, what is the policy on this?
Ground Rent - Rise Linked to Property Value
Are Ground Rents which are linked to Property Value Acceptable to us? If so, what is the policy on this?
Ground Rent - RPI Linked
Are RPI Linked Ground Rents Acceptable to us? If so, what is the policy on this?
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?
Lease Extension Before Completion
Where a lease will be extended before completion, do we the lender base their valuation on the extended lease term?
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 Inner Hebrides
Do we the lender, lend in the Inner Hebrides?
Lend in Isle of Man
Do you, the lender lend in the Isle of Man?
Lend in Isle of Wight
Do we the Lender, lend in the Isle of Wight?
Lend in Northern Ireland
Do we lend on properties in Northern Ireland?
Lend in Scotland
Do we lend on properties in Scotland?
Lend in the Outer Hebrides
Will we, the lender, lend on the Outer Hebrides?
Lend in Wales
Do we lend on properties in Wales?
Lend on Shetland Islands
Will we, the lender, lend on the Shetland Islands?
Lender's Exposure Limits within a Development or Postcode Area
What is the maximum exposure limit within a specific area?
Lenders Exposure Limit - Block
What is our Exposure within a specific Block (eg 25% max of the same block, must have 3 other lenders lending within the same development, 3 maximum within the same postcode etc)
Lenders Exposure Limit - Development
What is our Exposure within a Development (eg 25% max of newly built houses, must have 3 other lenders lending within the same development, 3 maximum within the same postcode etc)
Lenders Exposure Limit - Postcode
What is our Exposure within the same postcode (eg no more than 2 in the same postcode with the same applicant, no limit, no more than 5 within the same full postcode ie SE12 1EW)
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?
Loft Conversion
Will we consider a property where a loft or attic space has been converted? If so, what is the policy on this?
Maximum Number of Bedrooms
What are the Maximum Number of Bedrooms per property that we will consider as security?
Maximum Number of Floors / Storeys without a Lift
Where a multi-storey property does not have a lift, what is the maximum number of floors / storeys that is acceptable?
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 Construction - Addison PRC Properties
Are Addison PRC properties considered suitable security for you, the Lender? If so, what is the policy on this?
Non Standard Construction - Airey Duo-Slab Properties
Are Airey Duo-Slab properties considered suitable security for you, the Lender? If so, what is the policy on this?
Non Standard Construction - AIROH Properties
Are AIROH Properties considered suitable security for you, the Lender? If so, what is the policy on this?
Non Standard Construction - Alcrete PRC Properties
Are Alcrete PRC properties considered suitable security for you, the Lender? If so, what is the policy on this?
Non Standard Construction - Arcon Temporary Bungalow
Are Arcon Temporary Bungalows considered suitable security for you, the Lender? If so, what is the policy on this?
Non Standard Construction - Carlton PRC Properties
Are Carlton PRC properties considered suitable security for you, the Lender? If so, what is the policy on this?
Non Standard Construction - Dorran PRC Properties
Are Dorran PRC properties considered suitable security for you, the Lender? If so, what is the policy on this?
Non Standard Construction - Kencast PRC Properties
Are Kencast PRC properties considered suitable security for you, the Lender? If so, what is the policy on this?
Non Standard Construction - Livett-Cartwright Steel Framed Properties
Are Livett-Cartwright Steel Framed Properties considered suitable security for you, the Lender? If so, what is the policy on this?
Non Standard Construction - MOHLG 5M Steel Framed Properties
Are MOHLG 5M Steel Framed Properties considered suitable security for you, the Lender? If so, what is the policy on this?
Non Standard Construction - Mowlem Properties
Are Mowlem properties considered suitable security for you, the Lender? If so, what is the policy on this?
Non Standard Construction - Newland / Tarran-Newland PRC Properties
Are Newland / Tarran-Newland PRC properties considered suitable security for you, the Lender? If so, what is the policy on this?
Non Standard Construction - Orlit PRC (Type I and II) Properties
Are Orlit PRC properties (Type I and II) considered suitable security for you, the Lender? If so, what is the policy on this?
Non Standard Construction - Quikbild Llewellyn Timber Framed Properties
Are Quikbild Llewellyn Timber Framed Properties considered suitable security for you, the Lender? If so, what is the policy on this?
Non Standard Construction - Reema (Hollow Panel) PRC Properties
Are Reema (Hollow Panel) PRC properties considered suitable security for you, the Lender? If so, what is the policy on this?
Non Standard Construction - Reema Conclad Properties
Are Reema Conclad properties considered suitable security for you, the Lender? If so, what is the policy on this?
Non Standard Construction - Riley Steel Framed Properties
Are Riley Steel Framed Properties considered suitable security for us, the Lender? If so, what is the policy on this?
Non Standard Construction - Rowcon Type I & II Timber Framed Properties
Are Rowcon Type I & II Timber Framed Properties considered suitable security for you, the Lender? If so, what is the policy on this?
Non Standard Construction - Solid Cedar Timber Framed Properties
Are Solid Cedar Timber Framed Properties considered suitable security for us, the Lender? If so, what is the policy on this?
Non Standard Construction - Spooner Timber Framed Properties
Are Spooner Timber Framed Properties considered suitable security for you, the Lender? If so, what is the policy on this?
Non Standard Construction - Swedish Timber Framed Properties
Are Swedish Timber Framed Properties considered suitable security for us, the Lender? If so, what is the policy on this?
Non Standard Construction - Tarran-Clyde PRC Properties
Are Tarran-Clyde PRC properties considered suitable security for you, the Lender? If so, what is the policy on this?
Non Standard Construction - Unity PRC (Type I and II) Properties
Are Unity PRC (Type I and II) properties considered suitable security for you, the Lender? If so, what is the policy on this?
Non Standard Construction - Weir Multicom Timber Framed Properties
Are Weir Multicom Timber Framed Properties considered suitable security for you, the Lender? If so, what is the policy on this?
Non Standard Construction - Whitson-Fairhurst Properties
Are Whitson-Fairhurst properties considered suitable security for you, the Lender? If so, what is the policy on this?
Non Standard Property Types
What Non-Standard Property Types are acceptable 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?
Planning Permissions
What is our policy surrounding planning permissions? Will we consider Restrictive or Unusual Planning Permissions?
Postcode / Location Acceptable Areas for Lending
What Areas of the Country/Postcode Areas do we lend in? Are applications considered for the islands surrounding the UK Mainland? If so, which are acceptable?
PRC Properties
Will we consider Pre-Reinforced Concrete (PRC) properties as suitable security?
Properties affected by Mining
Will we consider lending against a property affected by Mining or in close proximity to a Mineshaft? If so, what is the policy on this?
Properties affected by Subsidence
Will we consider lending against a property affected by Subsidence? If so, what is the policy on this?
Properties Built On or In Close Proximity to Landfill
Will we consider lending against a property build on or in close proximity to Landfill? If so, what is the policy on this?
Properties close to Commercial Outlets
Do we consider Properties that are close to Commercial Outlets as suitable security?
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 in an Historical Flood Zone (over 5 years)
Are properties which have flooded over 5 years ago acceptable? If so, what is the policy on this?
Property in an Historical Flood Zone (within last 5 years)
Are properties which have flooded within the last 5 years acceptable? If so, what is the policy on this?
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?
Section 106
Do we, the Lender, accept properties with a Section 106 (property must be sold to an intended buyer such as local resident/key worker), if so what are the restrictions, do we want to see the document prior to submission, what is the mortgagee in repossession stance?
Section 157
Do we, the Lender, accept properties with a Section 157 (property must used as the owners primary residence), if so what are the restrictions, do we want to see the document prior to submission, what is the mortgagee in repossession stance?
Service Charges
Will we ignore Service / Ground Rent / Maintenance Costs in the affordability assessment?
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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