Buy-to-Let Mortgage Criteria
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Accountants must be a member or fellow of the following Institutes, Associations or professional bodies:
- Member/Fellow of the Chartered Institute of Taxation (CTA)
- Member/Fellow of the Institute of Chartered Accountants in England & Wales (ICAEW) (ACA or FCA)
- Member/Fellow of the Institute of Chartered Accountants of Scotland (ICAS) (CA)
- Member/Fellow of the Association of Chartered Certified Accountants (ACCA or FCCA)
- Member/Fellow of the Chartered Institute of Management Accountants (CIMA) (ACMA or FCMA)
- Member of the Chartered Institute of Public Finance and Accountancy (CIPFA) (CPFA)
- Member/Fellow of the Association of International Accountants (AIA) (AAIA or FAIA)
- Member/Fellow of the Association of Authorised Public Accountants (AAPA)
- Member/Fellow of the Institute of Financial Accountants (IFA) (FFA or AFA)
- Member/Fellow of the Association of Certified Public Accountants (CPA) (ACPA or FCPA)
- Member/Fellow Member of the Association of Accounting Technicians (MAAT or FMAAT).
Management Accounts and/or Projections can be considered if verified by an Accountant who meets the Society’s requirements.
Accountants must be a member or fellow of the following Institutes, Associations or professional bodies:
- Member/Fellow of the Chartered Institute of Taxation (CTA)
- Member/Fellow of the Institute of Chartered Accountants in England & Wales (ICAEW) (ACA or FCA)
- Member/Fellow of the Institute of Chartered Accountants of Scotland (ICAS) (CA)
- Member/Fellow of the Association of Chartered Certified Accountants (ACCA or FCCA)
- Member/Fellow of the Chartered Institute of Management Accountants (CIMA) (ACMA or FCMA)
- Member of the Chartered Institute of Public Finance and Accountancy (CIPFA) (CPFA)
- Member/Fellow of the Association of International Accountants (AIA) (AAIA or FAIA)
- Member/Fellow of the Association of Authorised Public Accountants (AAPA)
- Member/Fellow of the Institute of Financial Accountants (IFA) (FFA or AFA)
- Member/Fellow of the Association of Certified Public Accountants (CPA) (ACPA or FCPA)
- Member/Fellow Member of the Association of Accounting Technicians (MAAT or FMAAT).
To verify self-employed income we request an Accountants Certificate confirming latest trading year (within the last 18 months), or, 3 most recent years Tax Calculations and corresponding overviews, or business accounts for the last 3 years.
Not acceptable.
Properties with Agricultural restrictions can be accepted (subject also to the restriction being readily satisfied by the applicants), and subject to valuers comments. Agricultural Restrictions not considered on Self-Build lending.
Not acceptable.
No.
Not acceptable.