A-Z of lending criteria

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

A

Acceptable Equity Share loan holders
Acceptable deposit (sources)
Acceptable income (sources)
Accountant's Certificate
Additional borrowing
Additional income
Additional properties
Address (proof of)
Ad-hoc employment
Affordability
Affordable housing
Age/Term
Annex
Applicants
Arrears


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B

Basic pay
Benefit income
Blocks of flats over five storeys
Bonus, overtime and commission
Borrowing criteria
Borrowing in retirement
Builder cashback/deposit


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C

Casual employment
Child Benefit/Child Tax Credit
Coach House Flats
Commercial (Part) Properties
Commission
Commonhold
Concessionary Purchase
Construction types
Contractors
Credit Scoring


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D

Deposits
Disability benefits
Duplex properties


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E

Early Repayment Charges
Early Repayment Charges (Portable Products)
Employment criteria
England and Wales minimum leasehold terms
Equity Share Loan minimum deposit
Equity Share Loan Scheme
Exempt Properties (Home Report Pack)
Existing borrowers
Expiry date for offers


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F

Family Deposit Mortgages terms and conditions
Fees and charges
Fees and Charges (Property Valuation)
First Time Buyer
Fixed term contracts - employed
Fixed term contracts - self employed
Flats over Commercial Premises
Flats over five storeys
Flats up to five storeys high
Forces Help to Buy Scheme
Foreign Nationals
Foster Income
Freehold Flats and Maisonettes
Full Building Survey Report
Further advance


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G

General criteria
Genuine Bargain Price
Gifted deposit


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H

Help to Buy (Equity Share Loan)
Help to Buy: ISA
HMRC Tax Assessment forms
Home improvement purposes
Home Reports in Scotland (Single Surveys)
Homebuyer's report
Home Report Pack exemptions
How much can my client borrow?


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I

Identification proofs
Income criteria
Income (sources)
Instructing valuations
Inter family sale


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J

Japanese Knotweed


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L

Large acreage
Leasehold terms
Lending for flats
Lending into retirement
Lending terms - Equity Share Loan Scheme
Loan purpose
LTVs


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M

Maintenance income
Maternity leave pay
Maximum age
Minimum age
Minimum leasehold terms
MOD Long Service Advance of Pay Scheme (LSAP)
Mortgages For existing Nationwide borrowers
Mortgage term
Mortgage Valuation Report


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N

Name (proof of)
New borrowers - age/term
New build flats and houses - valuations
Non home improvement purposes
Non-standard income
Non traditional construction
Northern Ireland minimum leasehold terms
Number of applicants


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O

Offers - how long are they valid for?
Outgoings
Overtime


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P

Part commercial properties
Parental leave pay
Paternity leave pay
Payment history proofs
Pension
Porting
Probationary employment
Product switch
Proofs
Proofs of address
Proofs of deposit
Proofs of name
Proofs of payment history
Proofs of UK residency
Properties with large acreage
Property and construction
Purchase under value
Purposes of loan


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R

Remortgage
Remortgage tolerance
Rental income
Repayment LTV limits
Restricted Resale Market
Restricted Resale Price
Retirement (borrowing in)
Retirement (lending into)
Right to Buy purchase


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S

Schemes
Scotland minimum leasehold terms
Second jobs
Second property
Self employed
Shared Equity
Shared Ownership
Single Survey - Scotland
Solicitors' dual representation
Sources of acceptable income
Source of deposit
State benefits specifically for the disabled
Sub Contractors
Survey report (full building)


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T

Tax credits
Tenure
Tariff of charges
Term (mortgage)
Traditional construction
Transcriptions
Type of property


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U

UK residency proofs
Unacceptable Equity Share loan holders
Unacceptable deposit
Unacceptable income
Universal Credit


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V

Valuation Report
Valuation fees


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W

Wales and England minimum leasehold terms
Working Tax Credit


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