CHANGES TO OUR RESIDENTIAL PRODUCT RANGE

On Friday 17th May we're making rate changes to our Residential Product range.
These changes will come into effect from the 17th May. Any cases in pipeline need to be fully submitted with fees paid by close of business on the 16th May. Applications submitted after this date will be offered on the new rates available.

If you have any questions please contact our Business Development Hub on 0344 257 0418.

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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.

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