Directory of Lending Criteria

The directory lists banks and building societies mortgage lending criteria. Please double click on the lenders logos in the first column next to the highlighted areas to be directed through to Lenders websites.

Abbreviated terms frequently used:

assd = Assessed individually

afford = Affordability study

FTB = For first time buyers

neg = Negotiable

refer = Refer to lender

retire = To retirement of first applicant

Lender Address Telephone Max Advance (%) Max Mortgage (�000) Max Multiplier 1st Income Max Multiplier 2nd Income Min Term (Years) Max Term (Years) First-time Buyers Plans Min Excess Lease Offset Remortgage Insrance: Tied or Independent Buy-to-Let
Buckinghamshire Building Society High Street, Chalfont St. Giles, Buckinghamshire, HP8 4QBnormal 0175 348 2100 75 500 4 2.5 5 30 x 65 x 75% n/a Tick

First Direct
 40 Wakefield Road, Leeds, LS98 1FDhighlight 0800 482 448 90 none afford afford n/a 40 x 25 Tick 90% Tied x

Halifax

Halifax is a division of Bank of Scotland PLC		 Registered in Scotland No.SC32700 Registered Office: The Mound, Edinburgh EH1 1YZhighlight 0845 850 3705 90 7.5m afford afford 1 40 Tick 30 x 90% Halifax Life Tick
Harpenden Building Society 9-11 Vaughan Road, Harpenden, Herts, AL5 4HUnormal 0158 276 5411 75 neg. refer refer n/a neg Tick 30 x Tick n/a Tick

Hinckley and Rugby Building Society
 Upper Bond Street, Hinckley, Leicestershire LE10 1DGhighlight 0800 77 44 99 90 300 3.25 1 or 2.75 x joint 5 25 x 75 Tick 90% n/a Tick
Holmesdale Building Society 43 Church Street, Reigate, Surrey, RH2 0AEnormal 0173 724 5716 90 400 3.49 1 or 2.74 joint 5 30 x 50 x 75% Royal & Sun Alliance x
HSBC 8 Canada Square, London, E14 5HQnormal 0800 49 4999 90 none afford afford n/a 40 Tick 25 x 90% HSBC Life Tick

Ing Direct
 410 Thames Valley Park Drive, Reading, RG6 1RHhighlight 0800 678 1887 75 1m 4 1 5 30 x 30 x 75% n/a x

Nationwide
 Nationwide House, Pipers Way, Swindon, SN38 1NWhighlight 0800 30 20 10 95 �1m 4.1 4.1 refer 40 Tick 30 x 985% n/a The Mortgage Works

Ncbs Building Society
 30 Church Street, Epsom, Surrey, KT17 4NLhighlight 0845 603 4876 75 350 4.33 4.33 5 40 x 70 x 75% n/a Tick
Newcastle Building Society Portland House, New Bridge Street, Newcastle Upon Tyne, NE1 8ALnormal 0191 244 2000 90 500 4 1 2 35 Tick refer Tick 90% Norwich Union Tick

Post Office
 1 Temple Quay, 1 Temple Back East, Temple Quay, Bristol, BS1 6DXhighlight 0800 707 6206 90 1m 4.5 1 or 4x joint 10 retire Tick 70 x 90% Independent Tick
Principality PO Box 89, Principality Buildings, Queen Street, Cardiff, CF10 1UAnormal 0800 678 1000 95 refer afford afford 5 35 Tick 30 x 95% Multi-Tied Tick
Saffron Building Society Saffron House, 1A Market Street, Saffron Walden, Essex CB10 1HXnormal 0800 072 1100 75 refer 3.2.5 1 or 2.75 joint 5 retire Tick 50 x 95% Tied Tick

Scottish Widows Bank
 PO Box 12757, 67 Morrison Street, Edinburgh EH3 8YJhighlight 0845 845 0829 75 none 4 3 x joint 5 40 x 80 Tick 75% n/a x
Stafford Railway 4 Market Square, Stafford, ST16 2JHnormal 0845 456 1001 75 500 3.5 3.5 none 25 x 50 x 75% n/a Tick
Universal Building Society Universal House, Kings Manor, Newcastle Upon-Tyne, NE1 6PAnormal 0191 232 097 95 80 500 500 3.25 +1 3+1 2.75 x joint 2.5 x joint 5 35 Tick 35 Tick 95% Norwich Union Tick
Yorkshire Bank 20 Merrion Way, Leeds, LS2 8NZnormal 0800 202 122 85 none refer refer 5 25 Tick 50 Tick 95% Norwich Union Tick

Yorkshire Building Society
 Yorkshire House, Yorkshire Drive, Bradford, BD5 8LJhighlight 0845 120 0100 (�000) – �1m 75% LTV refer 4 4 5 35 Tick 35 Tick 85% Tied or Ind please delete tied & put in n/a. No need for proof Felix. x