Introducing DocuSign! Customers will now receive an email link to complete their mortgage application form electronically, streamlining the application process.

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