Lending criteria updates
This section will keep you up to date with any changes or clarifications to our lending criteria made in the last six months. Please ensure you read our revised lending policy prior to submitting any applications.
Residential
More information on the changes can be found by visiting the relevant criteria category and sub-section.
| Policy update | Policy category | Policy sub-section | Effective date |
|---|---|---|---|
| New build Loan to Value (LTV) update |
Property | New build or converted properties (less than or equal to 2 years old, or first occupation) | August 2026 |
| Interest-only Loan to Value (LTV) update | Loan criteria | Interest-only | August 2026 |
| Interest-only Loan to Value (LTV) update | Loan to Value (LTV) criteria | These are the maximum LTV limits we apply | August 2026 |
Buy to Let and Limited Company Buy to Let
More information on the changes can be found by visiting the relevant criteria category and sub-section.
| Policy update | Policy category | Policy sub-section | Effective date |
|---|---|---|---|
| New build Loan to Value (LTV) update | Property | New build or converted properties (less than or equal to 2 years old, or first occupation) | August 2026 |
If you have any queries on changes made to our lending criteria and how they affect you, please contact the Intermediary Development Team.
