Frequently Asked Questions

Got a question? You’ll probably find the answer on this page. (Of course, we’re always happy to chat directly, so if you don’t find what you’re looking for here, get in touch.)

Log into the Portal. Select “User Profile” from the top right. Select “add or remove Submission routes”. Select the preferred routes (you can add as many as you like at this stage). Once added select Save and enter your password. Now when you key a Decision in Principle you will be able to select a Submission Route each time. Please note this must be added before you move onto the full mortgage application

We do not have a minimum income for BTL just that there is an earnt income from one of the applicants


See our Buy to Let Ex pat criteria guide


  • Yes we can accept second incomes at 100% if employed/self employed or pension.
  • 100% of maintenance payments (court order showing a minimum remaining period of 5 years payments).
  • 50% of investment income.
    100% of Child Benefit, evidenced in bank statements/bank data or acceptable alternative. The maximum age of a child which the Company will accept Child Benefit for is 13 years of age.
  • Universal Credit or their equivalent, subject to the following limits and qualifications:


75% of the benefit evidenced

The amount can be no more than 25% of the total income on the application


The applicant with this benefit must have an acceptable other earned income source

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