Information:
Stamp Duty deadline 31 March 2025. Please check our service updates to ensure all cases are submitted in time, and with the correct documents. Conveyancers need to submit the Certificate of Title by 24 March 2025.Lending criteria A-Z
We want you to be able to use our services quickly and easily. That’s why we’ve listed out all of our lending criteria in alphabetical order.
Service updates
See our service levels for a clear indication of how long it might take us to process your case.
Initial assessment
Average working daysStandard cases
2
days
Refer cases
All cases which receive an initial refer decision
2
days
Application to offer
Average working daysStandard cases
9
days
Refer cases
All cases which receive an initial refer decision
14
days
Valuations
Percentage of valuations booked and carried outwithin 10 days
96%
Housing affordability gradually improving
Despite remaining stretched by historic standards, UK housing affordability has seen a slight improvement over the past year.
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Placing business
Affordability calculator
Use our affordability calculator to assess borrowing options for your clients.
Broker Chat
Talk to our experienced advisers using Broker Chat to get the answer to your questions.
Support
From system support to product and criteria questions, our expert team are ready to help: face-to-face, online and on the phone.
News and insights
Find out the latest news and updates to our products and criteria, or browse our insight section to explore the latest trends in house prices and the mortgage industry.
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