Our property criteria is listed in alphabetical order to enable you to quickly find the information that you require.
If you do need further information then please contact our team on
0808 281 9309
The maximum acreage acceptable is 5. Acreage up to 10 is considered on a case-by-case basis
We can consider properties with an annexe if it fits the size and style of the main property. The annexe must not be sublet or set up to be sublet.
The property must be suitable for immediate occupation. Properties lacking a functional bathroom or kitchen will not be accepted.
If an EWS1 form is required, it must be completed by a suitably qualified professional in accordance with current RICS guidance. Only EWS1 ratings of A1, A2 and B1 are acceptable.
Properties near coal mining shafts may be considered on a case-by-case basis.
Flats immediately above commercial premises or flats/houses where the proximity of commercial premises will impact on the quiet enjoyment of the property are unacceptable.
This may be considered on a case by case basis
An EPC rating is not required for residential applications.
For Buy to Let applications, the property must have a valid EPC rating between A and E. properties with exemptions will be considered on a case by case basis.
Properties with a flat roof are acceptable up to 100%
Buildings constructed before 1 January 2020:
Buildings constructed on or after 1 January 2020:
Office to residential not acceptable.
Acceptable, providing Building Insurance and Contents Insurance can be obtained to meet the Mortgage Terms and Conditions requirements.
Unacceptable
The property must be suitable for immediate occupation. Properties lacking a functional kitchen will not be accepted.
Ground Rent must not be onerous and must adhere to the Renters Rights Act. Reasonability is subject to the Valuer’s professional opinion
Not acceptable
Acceptable only where the property has been rebuilt to NHBC standards and has the relevant guarantees in place.
Houses with internal door locks which may be Houses of Multiple Occupancy (HMO) are not acceptable for residential lending.
Acceptable where classified as C or D. A and B are not acceptable.
The property must be suitable for immediate occupation. Properties lacking a functional bathroom or kitchen will not be accepted.
Leasehold properties with less than 50 years remaining on the lease at the end of the mortgage term are unacceptable.
For new build properties, the lease term must be a minimum of 125 years for flats and 250 years for houses.
Unacceptable
Acceptable
We may consider MMC properties where one of the following is in place:
A compliant UKDIF assessment is also required.
Properties with limited marketability or mortgageability are not acceptable as security.
High-quality bespoke builds, such as Huf Haus, may be considered where BOPAS accreditation is held.
Concrete - Insulate concrete framework is acceptable, subject to marketability and mortgage ability.
*Acceptable (includes Laing Easiform or similar construction types) up to a maximum LTV of 80%) and subject to valuer assessment of suitability.
Steel - Unacceptable where constructed prior to 2000 by steel or other metal-frame for houses. Flats are acceptable.
Timber – Unacceptable
Non-traditional construction (Other) - Not acceptable
Subject to valuers’ assessment
Unacceptable
Unacceptable
Unacceptable
We will consider high-quality bespoke builds, including premium kit homes such as Huf Haus, based on their individual merits where BOPAS accreditation is in place. Lending is subject to the property's marketability and saleability.
Unacceptable
Unacceptable
Solar panels are acceptable where the panels are owned outright by the homeowner. Evidence of ownership, warranties, and building regulations compliance may be required.
Properties with leased solar panels may also be accepted, provided the lease does not affect the Society’s security or repossession rights and the installation is fully certified and compliant with building regulations.
Documentation must clearly confirm ownership arrangements and any associated rights and obligations.
Unacceptable.
Where spray foam has been removed this may be considered subject to a professional spray removal certificate being provided.
Progressive structural movement is unacceptable
Acceptable up to 75% LTV and with a minimum floor area of 30 sqm
Unacceptable (including criss-cross or cross over leases)
Any property which has been built/converted within the last 10 years must hold an acceptable guarantee/certificate.
Acceptable warranty providers for new build properties are:
Other guarantee/certificates are considered on a case-by-case basis.
Acceptable (includes Laing Easiform or similar construction types) up to a maximum LTV of 80% and subject to valuer assessment of suitability
