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Residential Criteria Guide

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Minimum valuation

£70,000 (£150,000 in London and South East).

Maximum valuation

£2m (property valuations over £2m are considered on referral).


Mainland England, Mainland Scotland and Wales. Postcode restrictions may apply. Shared Ownership is available in England and Wales only.


Acceptable for essential repairs only. Max 5% of current property value.


Must be leasehold in England and Wales. Heritable is acceptable in Scotland.


Freehold or leasehold in England and Wales. Scottish properties must be absolute ownership or heritable.

Shared Ownership

Leasehold only, offered by housing associations, local councils, and other organisations registered in England and Wales with the Homes and Communities Agency (Homes England).

Energy Performance Certificate (EPC) Rating

90% LTV must have an A-C EPC rating, properties D rated or below cannot proceed to Offer until rating is amended to A-C. Shared Ownership must have an A-C EPC rating.