Specialist Mortgages Explained
We have a range of Buy to Let, Residential Self-Cert, Full-Status Prime, and Full-Status Adverse products.
The diagram below illustrates the differences in criteria across each of our product ranges, plus for more details you can view our Guide to Residential Mortgages or Guide to Investing in Property.
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Please rollover the product areas above to see detailed criteria. Proof of income:Employed - latest P60 and payslip; Self-Employed - Accountant's Certificate or Self-Assessment Tax Calculation (SA302). CCJs/Defaults: None. Mortgage Arrears: None. Proof of income: Employed - latest P60 and payslip; Self-Employed - Accountant's certificate or Self-Assessment Tax Calculation (SA302). CCJs/Defaults: None. Mortgage Arrears: None.
Proof of income: Employed - latest P60 and payslip; Self-Employed - Accountant's Certificate or Self-Assessment Tax Calculation (SA302). CCJs/Defaults: £1000. Mortgage Arrears: 1 month in 12 months (None in last 3 months). Proof of income: Employed - latest P60 and payslip; Self-Employed - Accountant's Certificate or Self-Assessment Tax Calculation (SA302). CCJs/Defaults: £2000. Mortgage Arrears: 2 months in 12 months (None in last 3 months). Proof of income: Employed - latest P60 and payslip; Self-Employed - Accountant's Certificate or Self-Assessment Tax Calculation (SA302). CCJs/Defaults: £3000. Mortgage Arrears: 3 months in 12 months (None in last 3 months).
Please rollover the product areas above to see detailed criteria. Proof of income: True Self-Cert - mortgage based on signed self-declaration income, no accounts, no Accountant's Certificate and no bank statements required. CCJs/Defaults: None. Mortgage Arrears: None.
Proof of income: True Self-Cert - mortgage based on signed self-declaration income, no accounts, no Accountant's Certificate and no bank statements required. CCJs/Defaults: None. Mortgage Arrears: None.
Proof of income: True Self-Cert - mortgage based on signed self-declaration income, no accounts, no Accountant's Certificate and no bank statements required. CCJs/Defaults: £1000. Mortgage Arrears: 1 month in 12 months (None in last 3 months).
Proof of income: True Self-Cert - mortgage based on signed self-declaration income, no accounts, no Accountant's Certificate and no bank statements required. CCJs/Defaults: £2000. Mortgage Arrears: 2 months in 12 months (None in last 3 months).
Proof of income: True Self-Cert - mortgage based on signed self-declaration income, no accounts, no Accountant's Certificate and no bank statements required. CCJs/Defaults: £3000. Mortgage Arrears: 3 months in 12 months (None in last 3 months).
Please rollover the product areas above to see detailed criteria. Proof of income: Loan amount is based on rental income being at least 125% of the mortgage payment, interest only, calculated at the Bank of England Base Rate + 1.25% CCJs/Defaults: None. Mortgage Arrears: None.
Proof of income: True Self-Cert - mortgage based on signed self-declaration income + rental income. No accounts, no Accountant's Certificate and no bank statements required. CCJs/Defaults: None. Mortgage Arrears: None.
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