Capital & Interest = Standard products (maximum term of 25 years and maximum LTV of 65%).
Interest-Only not using sale of mortgaged property as repayment vehicle = Standard products (maximum term of 25 years and maximum LTV of 60%).
Interest-Only using sale of mortgaged property as repayment vehicle = RIO products.
100% accepted (subject to minimum of 12 months history in same occupation provided).
3 months’ payslips and most recent P60 required. See individual affordability calculation for specific case requirement.
5 years.
25 years.
Freehold accepted.
Leasehold accepted (minimum of 50 years to remain at the end of the mortgage term).
80 years old.
No maximum age where <=65% LTV and ICR met with no personal income required support affordability and applicant can demonstrate 3rd party property management arrangements are in place
5 years.
5 years.
35 years.
5 years.
35 years (Capital & Interest).
25 years (Interest-Only).
25 years (part & part)