We're updating our systems this weekend

From 5.30pm on Friday 11th July to 8:00am Monday 14th July we're carrying out routine service maintenance and you won't be able to access the broker portal during this time. Thank you for your patience while we carry out this work.

Intermediaries

Customers

BTL Checklist Items Guide

Expat Criteria

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Affordability

Minimum ICR

140% on Ex-Pat applications.

Interest coverage rate (ICR) test will apply on all cases on an interest only basis. The interest rate used to calculate the ICR test will be:

5 or more years fixed rate products: the initial rate.

All other products: A nominal rate (currently 5.5%) or the initial rate + 2%, whichever is higher.

Get in touch with us

Got a question about an application?
Or want to double check some details?
Give us a call and we’ll get to the bottom of it.

Not an intermediary?

Our products are only available through qualified mortgage advisers. Check out our customer site to see how we can help.

Customers