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Lending policy updates

This section will keep you up to date with any changes or clarifications to our lending policy made in the last six months. Please ensure you read our revised lending policy prior to submitting any applications.

Residential

Policy update Policy sub section(s) Effective date
Daily rate contractors Employment and income April 2019
Acceptable sources of income Employment and income April 2019

Buy to Let

Policy update Policy sub section(s) Effective date
Portfolio landlords Portfolio landlord criteria May 2019
Interest Coverage Ratio (ICR) Rental income (ICR and Reference Rates) May 2019

If you have any queries on changes made to our lending policy and how they affect you, please contact the Intermediary Development Team.