Buy-to-Let Mortgage Criteria
Arrangement Fee may be added subject to LTV and Affordability.
Not acceptable.
Acceptable provided a suitable track record can be evidenced (2 years) by payslips/P60s. An employers reference will be considered where appropriate.
Yes can be considered. Costs of the additional background property will need to be factored in to affordability assessment.
No LTV limits include any fees added.
No.
Not acceptable.
On 1 May 2026, all existing fixed-term ASTs were converted to assured periodic tenancies, new agreements from this date should be on the new Assured Periodic Tenancy (APT) with an initial requirement of minimum term of 12 months and a post-protected period whereby after the initial period the tenancy will continue on a rolling basis.
Not accepted.
Yes.