Credit score will not be used to determine product rate.
Arrears are assessed on a worst status basis. Applicants must have no missed payments on secured arrears in the most recent 6 months.
Payday loans must be satisfied 12 months prior to completion.
Bankruptcy and IVA acceptable on TML2. Bankruptcy and IVA must be discharged/satisfied for a minimum of 36 months. Applicant must have maintained a clean profile in the most recent 36 months.
All products are available for purchase or remortgage. All mortgages are on a capital and interest basis.