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Directory of 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.

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 4QB 01753 482 100 75 500 4 2.5 5 30 x 65 x 75% n/a Tick
First Direct 40 Wakefield Road, Leeds, LS98 1FD 0800 482 448 90 none afford afford n/a 40 x 25 Tick 90% Tied x
Halifax is a division of Bank of Scotland PLCHalifax is a division of Bank of Scotland PLC Registered in Scotland No.SC32700 Registered Office: The Mound, Edinburgh EH1 1YZ   90 7.5m afford afford 1 40 Tick 30 x 90% Halifax Life Tick
Harpenden Building Society 9-11 Vaughan Road, Harpenden, Herts, AL5 4HU 01582 765 411 75 neg. refer refer n/a neg Tick 30 x Tick n/a Tick
Homesdale Building Society 43 Church Street, Reigate, Surrey, RH2 0AE 01737 245 716 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 5HQ 0800 494 999 90 none afford afford n/a 40 Tick 25 x 90% HSBC Life Tick
ING Direct 410 Thames Valley Park Drive, Reading, RG6 1RH 0800 6781887 75 1m 4 1 5 30 x 30 x 75% n/a x
National Counties Building Society 30 Church Street, Epsom, Surrey, KT17 4NL 08456034876 75 350 4.33 4.33 5 40 x 70 x 75% n/a Tick
Nationwide Building Society Nationwide House, Pipers Way, Swindon, SN38 1NW 0800 30 20 10 95 £1m 4.1 4.1 refer 40 Tick 30 x 985% N/A The Mortgage Works
Newcastle Building Society Portland House, New Bridge Street, Newcastle Upon Tyne, NE1 8AL 0191 244 2000 90 500 4 1 2 35 Tick refer Tick 90% Norwich Union Tick
Post Office Mortgages 1 Temple Quay, 1 Temple Back East, Temple Quay, Bristol, BS1 6DX 08007076206 90 1m 4.5 1 or 4x joint 10 retire Tick 70 x 90% Independent Tick
Principality Building Society PO Box 89, Principality Buildings, Queen Street, Cardiff, CF10 1UA 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 1HX 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 8YJ 0845 845 0829 75 none 4 3 x joint 5 40 x 80 Tick 75% n/a x
Stafford Railway Building Society 4 Market Square, Stafford, ST16 2JH 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 6PA 0191 232 097 95 80 500 500 3.25+1 3+1 2.75xjointïż½ 2.5xjoint 5 35 Tick 35 Tick 95% Norwich Union Tick
Yorkshire Bank 20 Merrion Way, Leeds, LS2 8NZ 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 8LJ 0845 1200 100 (£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