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.

Lender Max Advance (%)/ Max Mortgage (£000) Max Multiplier 1st /2nd Income Min/Max Term (Years) First-time Buyers Plans Min Excess Lease Offset Remortgage Insrance: Tied or Independent Buy-to-Let
Buckinghamshire Building SocietyBuckinghamshire Building Society
Address
High Street, Chalfont St. Giles, Buckinghamshire, HP8 4QB
Telephone
0175 348 2100
75 4 5 x 65 x 75% n/a Tick
500 2.5 30
Family Building SocietyFamily Building Society
Address
Family Building Society, Ebbisham House, 30 Church Street, Epsom, Surrey KT17 4NL
Telephone
03330 140141
95 afford 5 x 70 x 80% n/a n/a
500 afford 40
First DirectFirst Direct
Address
40 Wakefield Road, Leeds, LS98 1FD
Telephone
0175 348 2100
90 afford n/a x 25 Tick 90% Tied x
none afford 40
HalifaxHalifax is a division of Bank of Scotland PLC
Address
Registered in Scotland No.SC32700 Registered Office: The Mound, Edinburgh EH1 1YZ
Telephone
0845 850 3705
90 afford 1 Tick 30 x 90% Halifax Life Tick
7.5m afford 40
Harpenden Building SocietyHarpenden Building Society
Address
9-11 Vaughan Road, Harpenden, Herts, AL5 4HU
Telephone
0158 276 5411
75 refer n/a Tick 30 x Tick n/a Tick
neg refer neg
Hinckley and Rugby Building SocietyHinckley and Rugby Building Society
Address
Upper Bond Street, Hinckley, Leicestershire LE10 1DG
Telephone
0800 77 44 99
90 3.25 5 x 75 Tick 90% n/a Tick
300 1 or 2.75 x joint 25
Holmesdale Building SocietyHolmesdale Building Society
Address
43 Church Street, Reigate, Surrey, RH2 0AE
Telephone
0173 724 5716
90 3.49 5 x 50 x 75% Royal & Sun Alliance x
400 1 or 2.74 joint 30
HSBCHSBC
Address
8 Canada Square, London, E14 5HQ
Telephone
0800 49 4999
90 afford n/a Tick 25 x 90% HSBC Life Tick
none afford 40
Ing DirectIng Direct
Address
410 Thames Valley Park Drive, Reading, RG6 1RH
Telephone
0800 678 1887
75 4 5 x 30 x 75% n/a x
1m 1 30
NationwideNationwide
Address
Nationwide House, Pipers Way, Swindon, SN38 1NW
Telephone
0800 30 20 10
95 4.1 refer Tick 30 x 985% n/a The Mortgage Works
1m 4.1 40
Ncbs Building SocietyNcbs Building Society
Address
30 Church Street, Epsom, Surrey, KT17 4NL
Telephone
03300 243414
75 afford 5 x 70 x 80% n/a Tick
500 afford 40
Newcastle Building SocietyNewcastle Building Society
Address
Portland House, New Bridge Street, Newcastle Upon Tyne, NE1 8AL
Telephone
0191 244 2000
90 4 2 Tick refer Tick 90% Norwich Union Tick
500 1 35
Post OfficePost Office
Address
1 Temple Quay, 1 Temple Back East, Temple Quay, Bristol, BS1 6DX
Telephone
0800 707 6206
90 4.5 10 Tick 70 x 90% Independent Tick
1m 1 or 4x joint retire
PrincipalityPrincipality
Address
PO Box 89, Principality Buildings, Queen Street, Cardiff, CF10 1UA
Telephone
0800 678 1000
95 afford 5 Tick 30 x 95% Multi-Tied Tick
refer afford 35
Saffron Building SocietySaffron Building Society
Address
Saffron House, 1A Market Street, Saffron Walden, Essex CB10 1HX
Telephone
0800 072 1100
95 afford 5 Tick 50 x 90% N/A Tick
refer afford 40
Scottish WidowsScottish Widows
Address
PO Box 12757, 67 Morrison Street, Edinburgh EH3 8YD
Telephone
0345 845 0110
90 4.75 5 x 70 Tick 90% n/a x
none x joint 40
Stafford RailwayStafford Railway
Address
4 Market Square, Stafford, ST16 2JH
Telephone
01785 223212
90 afford 5 x 75 x 90% n/a Tick
500 afford 30
Universal Building SocietyUniversal Building Society
Address
Universal House, Kings Manor, Newcastle Upon-Tyne, NE1 6PA
Telephone
0191 232 097
95 80 3.25 +1 3+1 5 Tick 35 Tick 95% Norwich Union Tick
500 500 2.75 x joint 2.5 x joint 35
Yorkshire BankYorkshire Bank
Address
20 Merrion Way, Leeds, LS2 8NZ
Telephone
0800 202 122
85 refer 5 Tick 50 Tick 95% Norwich Union Tick
none refer 25
Yorkshire Building SocietyYorkshire Building Society
Address
Yorkshire House, Yorkshire Drive, Bradford, BD5 8LJ
Telephone
0845 120 0100
(£000) – £1m 75% LTV 4 5 Tick 35 Tick 85% Tied or Ind please delete tied & put in n/a. No need for proof Felix. x
refer 4 35

KEY

The following key describes abbreviated terms
frequently used in the directory of lenders:

assd = Assessed individually neg = Negotiable
afford = Affordability study refer = Refer to lender
FTB = For first time buyers retire = To retirement of first applicant