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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
Loan to Value limits Loan to Value criteria April 2018

Buy to Let

Policy update Policy sub section(s) Effective date
Energy Performance Certificate Property April 2018
DWP tenants (restriction removed) April 2018
Interest Coverage Ratio (ICR) Rental income (ICR and Reference Rates) November 2018

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