We don’t lend to pigeons.
Get a direct line to our mortgage underwriters.
We now allow child benefit/child tax credit and working tax credit as income source.
Residential loans based on the most recent year’s income for the self-employed.
On residential we lend 85% LTV for flats above commercial properties, even on new build. Subject to valuer’s comments.
Behind on utility and comms bills. We don’t consider these defaults and arrears as impaired credit.