Market Harborough Building Society

MHB001_criteria.json

{
  "metadata": {
    "lender": {
      "code": "MHB001",
      "name": "Market Harborough Building Society"
    },
    "urls": [
      {
        "url": "https://mhbs.co.uk/document/mhbs-intermediary-product-guide",
        "processed_date": "2024-12-01T17:48:57.345434",
        "relevance_score": 0.6363636363636364,
        "parent_url": null
      },
      {
        "url": "https://mhbs.co.uk/document/broker-criteria-guide",
        "processed_date": "2024-12-01T17:49:00.622696",
        "relevance_score": 0.9090909090909091,
        "parent_url": null
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    ],
    "processed_date": "2024-12-01T17:48:54.391353"
  },
  "sections": {
    "Main Content": {
      "text": "Contents\n\u00a9 Market Harborough Building Society\nAuthorised by the Prudential Regulation Authority and regulated by the Financial\nConduct Authority and the Prudential Regulation Authority. Reference No 206041",
      "header_level": "unknown"
    },
    "MV": {
      "text": "\u00a3200,001 - \u00a3300,000 \u00a3300 \u00a3550\n\u00a3300,001 - \u00a3400,000 \u00a3360 \u00a3650\n\u00a3400,001 - \u00a3500,000 \u00a3405 \u00a3750\n\u00a3500,001 - \u00a3600,000 \u00a3465 \u00a3850\n\u00a3600,001 - \u00a3700,000 \u00a3555 \u00a3950\n\u00a3700,001 - \u00a3800,000 \u00a3655 \u00a31,050\n\u00a3800,001 - \u00a3900,000 \u00a3725 \u00a31,150\n\u00a3900,001 - \u00a31,000,000 \u00a3855 \u00a31,250\n\u00a31,000,001 - \u00a31,200,000 \u00a3905 *Bespoke\n\u00a31,200,001 - \u00a31,400,000 \u00a31,005 *Bespoke\n\u00a31,400,001 - \u00a31,600,000 \u00a31,160 *Bespoke\n\u00a31,600,001 - \u00a31,800,000 \u00a31,310 *Bespoke\n\u00a31,800,001 - \u00a32,000,000 \u00a31,495 *Bespoke\n\u00a32,000,001 - \u00a32,500,000 \u00a31,750 *Bespoke\n\u00a32,500,001 - \u00a33,000,000 \u00a31,995 *Bespoke\n\u00a33,000,001 - \u00a33,500,000 \u00a32,295 *Bespoke\n\u00a33,500,001 - \u00a34,000,000 \u00a32,575 *Bespoke\n\u00a34,000,001 - \u00a34,500,000 \u00a32,825 *Bespoke\n\u00a34,500,001 - \u00a35,000,000 \u00a33,195 *Bespoke\nOver \u00a35m *Bespoke quote at DIP\nRe-inspection \u00a395",
      "header_level": "unknown"
    },
    "42.11/232MS": {
      "text": "For Broker use only\nLending criteria\nCorrect as of 8 November 2024\nWe\u2019re your bridging finance and complex case specialists.\nTo jump to specific criteria, click\nGet in touch:\non the corresponding letter.",
      "header_level": "unknown"
    },
    "H I J K L M N": {
      "text": "[email protected]",
      "header_level": "unknown"
    },
    "O P Q R S T U": {
      "text": "mhbs.co.uk/intermediaries",
      "header_level": "unknown"
    },
    "V W X Y Z": {
      "text": "\u2022 Loans of \u00a3200k - \u00a35m\n\u2022 Principle security located in\nEngland or Wales\n\u2022 Up to four applicants\n\u2022 Minimum age 18 with maximum age\n85 for residential and regulated\nbridging. No maximum age for let\nsolutions",
      "header_level": "unknown"
    },
    "A": {
      "text": "Accounts/Accountants\nYou might like to visit our Income section.\nWe look for the latest year\u2019s accounts and one year\u2019s projection/current performance\nproduced by a Chartered, Certified or CIMA Accountant in Practice on headed notepaper\nand signed.\nIf the applicants have an established business with two or more years\u2019 accounts\navailable, income will be based on the most recent year with no projection required.\nIf applicants don\u2019t have an accountant, we require evidence from HMRC of profit for tax\npurposes for the last three years.\nAcreage\nWe\u2019re used to providing mortgages for complex properties.\nWe\u2019re happy to accept large acreage, with no limit. We allow properties where land is\nused for hobby farming and personal equestrian use. For other property types or\nfeatures, visit our Property types section.\nWhere land is used for commercial purposes please refer to your BDM or call our team.\nAdditional borrowing\nFurther borrowing is available for existing borrowers, subject to eligibility and lending\npolicy. Minimum loan \u00a330k.\nAdditional properties in the background\nAccepted without limits.\nAdditional/second home\nAccepted.\nAdverse/arrears\nWe mainly help borrowers with a clean credit history - we carry out a soft search at DIP\nstage and don\u2019t credit score.\nWe\u2019ll consider applicants affected by bankruptcy, Individual Voluntary Arrangements,\nDebt Relief Orders or repossession where the bankruptcy was discharged or residual\ndebt was cleared a minimum of six years ago and there has been a clean credit history\nduring that time.\nSmall unsatisfied debts totalling (<\u00a3250) per applicant or a maximum of (<\u00a3500) per\napplication may be disregarded subject to underwriting.\n2\nWe\u2019re unable to accept the following:\n\u2022 Borrowers with a payment shortfall of three months or more on a previous loan in\nthe last three years. We consider credit cards to be loans for impaired credit\npurposes.\n\u2022 Borrowers who have been subject of one or more bad debts or County Court\nJudgements within the last three years, with a total value greater than \u00a3500.\n\u2022 Borrowers with an Individual Voluntary Arrangement (IVA) or Company Voluntary\nArrangement (CVA,) or Discharged IVA or CVA (which has been settled for <72\nmonths).\nAffordability calculator\nYou\u2019ll find our residential calculator here.\nFor the following case types, please talk to your BDM or call our team for a guide on how\nmuch we can lend:\n- Buy to let\n- Holiday let\n- Part repayment and part interest only\n- Particularly complex scenarios\nAge limits\nOur minimum age for applicants is 18.\nOur maximum age for residential applicants is age 85 at the end of the mortgage term,\nthere is no maximum for buy to let.\nAgency workers\nWe consider accepting applicants with a minimum of one year\u2019s history of working as an\nagency worker. Evidence of three years\u2019 history of employment in a similar industry will\nbe required.\nAgricultural ties\nThere are limited circumstances where we consider properties with agricultural ties on a\ncase-by-case basis, please contact your BDM or call our team, we\u2019ll be happy to help.\nAnnexes\nWe\u2019re used to providing mortgages for complex properties. Annexes are accepted,\nwhether for personal use or sub-let.\nApplicants\nWe\u2019re happy to accept a maximum of four applicants with income from all four used to\nsupport affordability.\nThere\u2019s no requirement for applicants to be related. You might also be interested in our\nJoint borrower sole proprietor section. There is no requirement for all parties to be\nnamed on the deeds.\n3\nApplication form\nAll applications must be submitted online via our Case Hub portal. We no longer use\npaper-based applications or Decision in Principle (DIP) forms. For more information visit\nour Submit a case page or contact your BDM or call our team, we\u2019ll be happy to help.\nArrears/Adverse\nWe mainly help borrowers with a clean credit history - we carry out a soft search at DIP\nstage and don\u2019t credit score.\nWe\u2019ll consider applicants affected by bankruptcy, Individual Voluntary Arrangements,\nDebt Relief Orders or repossession where the bankruptcy, was discharged or residual\ndebt was cleared a minimum of six years ago and there has been a clean credit history\nduring that time.\nWe\u2019re unable to accept the following:\n\u2022 Borrowers with a payment shortfall of three months or more on a previous loan in\nthe last three years. We consider credit cards to be loans for impaired credit\npurposes.\n\u2022 Borrowers who have been subject of one or more bad debts or County Court\nJudgements within the last three years, with a total value greater than \u00a3500.\n\u2022 Borrowers with an Individual Voluntary Arrangement (IVA) or Company Voluntary\nArrangement (CVA,) or Discharged IVA or CVA (which has been settled for <72\nmonths).\n\u2022 Small unsatisfied debts totalling (<\u00a3250) per applicant or a maximum of (<\u00a3500)\nper application may be disregarded subject to underwriting.\nAuction purchase\nWe\u2019re happy to consider auction purchases, please contact your BDM or call our team.\nWe\u2019re unable to guarantee we can meet the exchange deadline.",
      "header_level": "unknown"
    },
    "B": {
      "text": "Bankruptcy\nWe consider cases where the bankruptcy has been discharged for a minimum of\nsix years. See our Adverse section for more information.\nBasic pay\nWe accept 100% of basic salary + guaranteed allowances (e.g. area weighting\nallowance, car allowance, shift allowance and housing allowance).\nFor other income types, visit our Income section.\n4\nBenefit income\nWe accept 100% of state benefits.\nFor other income types, visit our Income section.\nBlocks of flats\nBlocks above five storeys in height are accepted if the block is fully serviced by at least\none passenger lift.\nWe don\u2019t apply a limit to the number of flats in each block.\nWe mortgage a maximum of two units in any block.\nWe can consider cases outside of these by exception, please phone your BDM or call our\nteam.\nBonus\nThese are the bonus amounts we accept:\n\u2022 Contractually guaranteed bonus \u2013 100%\n\u2022 Non-contractual bonus where the basic salary is less than \u00a330,000 and\nbonuses have been paid for the last three years \u2013 we\u2019ll use the average\nbonus payment over the three years up to 75% of basic salary for income\ncalculation.\n\u2022 Non-contractual bonus where the basic salary is over \u00a330,000 and\nbonuses have been paid for the last three years \u2013 we\u2019ll use the average\nbonus payment over the three years up to 200% of basic salary for income\ncalculation.\n\u2022 Non-contractual bonus where the bonus paid is irregular or not\nguaranteed - 50% of the bonus paid as an average over the last three years\nused for calculation but capped at 50% of basic salary.\nFor other income types, visit our Income section.\nBridging finance\nWe\u2019re experienced in providing both regulated and unregulated bridging finance. Visit\nour product guide or view our bridging product page for more.\nBuy to let\nWe offer buy to let with no minimum income requirement. Visit our buy to let page.\nWe also accept top-slicing on all cases and assess based on full affordability.\nExpat let applications require a UK-based agent. This should be either a letting agent or\na solicitor, to whom any necessary court documentation can be served in the event of\ndefault. The relevant documentation will be supplied to you with your offer.\nBuilder\u2019s deposits/Incentives\nApplicants must have a minimum deposit of 20% from their own resources. Gifted\ndeposits are acceptable.\n5",
      "header_level": "unknown"
    },
    "C": {
      "text": "Capital raising\nAccepted. Some documentary evidence may be required e.g. quotes for building works.\nCapital raising is considered for the following:\n\u2022 Home improvements on main residential, second home or investment properties\n\u2022 Debt consolidation including repayment of consumer credit, loans from relatives\nand business debts. Maximum LTV on debt consolidation 75%.\n\u2022 To purchase another property\n\u2022 Payment of a tax bill\n\u2022 Business or investment purposes\nWe\u2019re able to consider other scenarios, please contact your BDM or call our team.\nCCJs\nBorrowers who have been subject of one or more bad debts or County Court\nJudgements, with a total value greater than \u00a3500 registered within the last three\nyears are unacceptable. See our Adverse section for more information.\nCladding\nConsidered subject to the valuer\u2019s comments.\nCommercial property\nResidential properties with a commercial element are considered on a case-by-case\nbasis. Please contact your BDM or call our team.\nFull commercial cases aren\u2019t accepted.\nComplex property\nWe accept complex properties, including but not limited to:\n\u2022 Listed buildings\n\u2022 Large acreage with no limit\n\u2022 Properties with annexes\n\u2022 Multi-units\nPlease contact your BDM or call our team to discuss your needs.\nCommission\nThese are the commission amounts we accept:\n\u2022 Contractually guaranteed commission \u2013 100%\n6\n\u2022 Non-contractual commission where the basic salary is less than \u00a330,000\nand commission have been paid for the last three years - we will use the\naverage commission payment over the three years up to 75% of basic salary for\nincome calculation.\n\u2022 Non-contractual commission where the basic salary is over \u00a330,000 and\ncommission have been paid for the last three years - we will use the\naverage commission payment over the three years up to 200% of basic salary for\nincome calculation.\n\u2022 Non-contractual commission where the bonus paid is irregular or not\nguaranteed - 50% of the commission paid as an average over the last three\nyears used for calculation but capped at 50% of basic salary.\nConcessionary purchase\nThe transaction must go through at full market value. Gifted equity deposits are\nconsidered from family, friends and landlords on a case-by-case basis, please contact\nyour BDM or call our team.\nConstruction types\nVarious construction types are considered as standard, as well as non-standard and\nmodern methods of construction (MMC). For unusual construction types, please contact\nyour BDM or call our team to discuss your needs.\nUnacceptable construction types include:\n\u2022 100% timber construction\n\u2022 Steel clad properties\n\u2022 Walls containing Mundic classified as class B or class C\n\u2022 Single skin brickwork\n\u2022 Use of insulating spray foam\nYou might also find our Property types section useful.\nConsumer buy to let\nNot accepted. For our personal buy to let details, see our Buy to let section.\nContractors\nContract workers must provide a copy of their current contract, evidence of the last\nthree years\u2019 earnings, (either tax returns or audited accounts) and latest three months\u2019\nbank statements to support the income. We consider accepting one year\u2019s accounts for\ncontractors if evidence of three years\u2019 history of employment in the same industry is\navailable.\nCredit score/search\nWe use Transunion as our credit referencing agency. We conduct a soft search at DIP\nstage with no footprint left. We don\u2019t credit score.\nCurrencies\nWe accept USD, CAD, EUR, CHF, HKD, SGD or other EU currency as standard. Any other\ncurrencies can be considered. Contact your BDM or call our team.\n7",
      "header_level": "unknown"
    },
    "D": {
      "text": "Day one remortgage\nAccepted. Borrowers are required to use the same solicitor that they used to purchase\nthe property being remortgaged. If this solicitor doesn't meet the Society's panel\nrequirements we require separate representation.\nDebt consolidation\nDebt consolidation is accepted as standard on residential cases, including repayment of\nconsumer credit, loans from relatives and business debts. Maximum LTV on debt\nconsolidation is 75%.\nWe\u2019ll consider debt consolidation on let cases on a case-by-case basis. Please contact\nyour BDM or call our team.\nDecision in Principle\nAll applications must be submitted online via our Case Hub portal. Our AIPs are valid for\nthree months.\nWe no longer use paper-based applications or Decision in Principle (DIP) forms. For more\ninformation visit our Submit a case page or contact your BDM or call our team.\nDefaults\nSee our Adverse section for more information.\nSmall unsatisfied debts totalling (<\u00a3250) per applicant or a maximum of (<\u00a3500) per\napplication may be disregarded subject to underwriting.\nWe\u2019re unable to accept borrowers who have been subject of one or more bad debts or\nCounty Court Judgements, with a total value greater than \u00a3500 within the last three\nyears.\nDependants\nFinancial dependants must be entered on the affordability calculator and DIP form,\nincluding adult dependants not named on the mortgage.\nDeposit\nAcceptable sources of deposit are:\n\u2022 Savings - must be accompanied by a copy of savings book or bank statement\nshowing the full amount of the deposit.\n\u2022 Equity \u2013 confirmation of the sale price and balance outstanding.\n\u2022 Capital to be raised from another property \u2013 copy of the mortgage offer\nletter.\n8\n\u2022 Endowment/investment policy maturity \u2013 letter showing maturity value.\n\u2022 Gifts or loans - must be accompanied by a letter signed by the person making\nthe gift or loan confirming the amount and on what terms. Evidence of funds may\nbe required and any loan repayments will be included within affordability\n\u2022 The gift/loan can be provided by someone intending to live in the property, but\nwill not be named on the mortgage.\n\u2022 Gifted equity deposit - the property must be purchased at full market value.\n\u2022 Funds from liquidation of legitimate assets - where necessary evidence can\nbe provided to satisfy source of funds requirements.\nDevelopment finance\nWe don\u2019t currently offer development finance. You might be interested in our bridging\nfinance which is available with rolled up interest and in stage releases. To find out more,\nvisit our bridging finance product page, contact your BDM or call our team.\nDiplomatic immunity\nAcceptable for overseas residents. Not accepted for UK residents.\nDirect Debit\nDirect Debit payments must be made from a UK-mainland bank account held in the\nname of at least one of the mortgage applicants.\nDebt management plans\nSee our Adverse section for more information.\nWe\u2019ll consider applicants affected by bankruptcy, Individual Voluntary Arrangements,\nDebt Relief Orders or repossession where the bankruptcy, was discharged or residual\ndebt was cleared a minimum of six years ago and there has been a clean credit history\nduring that time.\nWe do not accept borrowers with an Individual Voluntary Arrangement (IVA) or Company\nVoluntary Arrangement (CVA,) or Discharged IVA or CVA (which has been settled for <72\nmonths).",
      "header_level": "unknown"
    },
    "E": {
      "text": "Employment\nAcceptable employment includes:\n\u2022 Permanently employed, full/part time.\n\u2022 Fixed term contracts.\n\u2022 Short-term renewable contracts (including contractors).\n\u2022 Employed director with less than a 25% share.\n\u2022 Agency workers.\n9\n\u2022 Bank staff\n\u2022 Self-employed:\n\u2022 Sole trader.\n\u2022 Partnership.\n\u2022 Company directors with more than a 25% share.\nThere is no requirement for a minimum time with their current employer. Applicants who\nare in their probationary period are considered.\nEPC rating\nThere are no requirements for residential properties.\nFor buy to let and expat buy to let applications, properties must have an Energy\nPerformance Certificate (EPC) rating between A and E (or be an exempt property type).\nAny let properties with an EPC of D or below will have a maximum LTV of 65%.\nEquestrian facilities\nAccepted where they are for personal use only. If the borrower is planning to sub-let,\nplease contact your BDM or call our team.\nEquity share loan scheme\nNot accepted.\nEstate rent charges\nWe need to understand whether the security to be mortgaged may be affected by an\nestate rent charge and service charge. If the mortgaged security is affected, the Legal\nAdviser must confirm the following.",
      "header_level": "unknown"
    },
    "1. That they have advised the borrower that the acceptance of this offer implies an": {
      "text": "undertaking that the borrower(s) will advise the Society if their Estate rent charge\nfalls into arrears",
      "header_level": "unknown"
    },
    "2. Any estate rent charge and/or service charge at the start of the mortgage term": {
      "text": "must always be reasonable. Unreasonable Estate rent charges and Service\ncharges will not be permitted. These must be referred to the Society and we will\nadvise you if our mortgage offer remains valid. If you are unsure as to whether\nthe Estate rent charge and Service charge are unreasonable, please refer the\ndetails to the Society immediately.",
      "header_level": "unknown"
    },
    "3. The Legal adviser must review the Estate rent charge and Service charge": {
      "text": "arrangements and confirm that there are no onerous conditions that may affect\nour decision to lend.\nAny ground rent at the start of the mortgage term should not exceed \u00a3250 annually\noutside London or \u00a31,000 inside London. Ground rent and other event fees must always\nbe reasonable during the lease term. For example, it is acceptable for ground rent\nescalation to be linked to RPI (Retail Price Index) or a similar index and where this is the\ncase we do not need to be advised.\nUnreasonable multipliers of ground rent will not be permitted, for example, doubling\nevery five, 10 or 15 years.\n10\nEU/EEA citizens\nApplicants must have EU settlement status granted. Pre-settled status\naccepted.\nExpat\nAcceptable. Visit our expat pages for more information:\n\u2022 Expat residential\n\u2022 Expat buy to let",
      "header_level": "unknown"
    },
    "F": {
      "text": "Fees and charges\nPlease refer to our product guide for details on product, application and valuation fees\nand charges.\nView our Tariff of Charges for other fees associated with a mortgage:\n\u2022 Residential Tariff of Charges\n\u2022 Commercial tariff of Charges\nFirst time buyer\nAccepted.\nFirst time landlord\nAccepted for expat buy to lets as standard. For UK residents please contact your BDM or\ncall our team.\nFixed term contracts\nFixed term and short-term contractors are acceptable. See our Employment section.\nContract workers must provide a copy of their current contract, evidence of the last\nthree years\u2019 earnings, (either tax returns or audited accounts) and the latest three\nmonths\u2019 bank statements to support the income. We\u2019ll consider one year\u2019s accounts for\ncontractors if evidence of three years\u2019 history of employment in the same industry is\navailable.\nFlats\nAccepted, subject to the following:\n\u2022 Location:\nThe maximum LTV on flats is 65% unless the flat is in London where 75%\no\nLTV is acceptable.\nThe LTV is 70% for counties bordering London (Kent, Essex, Surrey,\no\nBerkshire, Hertfordshire and Buckinghamshire.\n\u2022 Flat/building type:\nNew build flats, wherever they are located have a maximum LTV of 65%.\no\n11\nOne-bedroom flats, wherever they are located have a maximum LTV of\no\n65%. New build one-bedroom flats are permitted.\nStudio flats are accepted in Prime London location only with a minimum\no\nvalue of \u00a3500,000 and minimum floor area of 30 square metres. Maximum",
      "header_level": "unknown"
    },
    "LTV 65%.": {
      "text": "\u2022 Leasehold accepted, including:\nPurpose built leasehold flats or maisonettes with the whole block being\no\nresidential in nature. Blocks containing commercial or retail use considered\non an individual basis.\nProperties converted to leasehold flats.\no\n\u2022 Lease term - minimum lease term is 50 years plus the term of the loan.\nException to this is Prime London location whereby minimum lease remaining at\nthe end of the mortgage term is to be no less than 15 years.\n\u2022 Maximum number of units - no more than two units in any block shall be in\nmortgage to the Society.\nFreehold flats aren\u2019t accepted.\nFlats above commercial\nBlocks containing commercial or retail use are considered on an individual basis. For flats\ndirectly above commercial units please refer to your BDM or call our team for guidance\non a case-by-case basis.\nFlying freehold\nFlying freeholds are considered where less than 20% of the accommodation extends\nover, or under, a neighbouring dwelling.\nFlood zones\nWe don\u2019t accept properties with a high rating for coastal and river flooding.\nFor properties with a high rating for surface water flooding, the LTV is limited to 70%\nwith a maximum term of no more than 10 years (interest only) or 25 years (capital and\ninterest basis).\nInsurance must be available to be purchased on standard insurance terms.\nForeign income\nWe accept USD, CAD, EUR, CHF, HKD, SGD or other EU currency as standard. Any other\ncurrencies can be considered, please contact your BDM or call our team.\nForeign nationals\nVarious VISAs are considered for foreign nationals living in the UK with no minimum time\nor residency requirements. Each case is considered on an individual basis. Please contact\nyour BDM or call our team to discuss further.\nForeign nationals residing overseas are considered. They must have a UK link (for\nexample previously lived in the UK) and have a UK-mainland bank account to service the\nDirect Debit.\n12\nFreehold flats\nNot accepted.\nFreehold houses\nAccepted.",
      "header_level": "unknown"
    },
    "G": {
      "text": "Gifted deposit\nAccepted. Deposits provided by gift or loan must be accompanied by a letter signed by\nthe person making the gift confirming the amount and on what terms. Evidence of funds\nmay be required.\nGifted equity\nAccepted.\nGround rent\nAny ground rent at the start of the mortgage term should not exceed \u00a3250 annually\noutside London or \u00a31,000 inside London. Ground rent and other event fees must always\nbe reasonable during the lease term. For example, it is acceptable for ground rent\nescalation to be linked to RPI (Retail Price Index) or a similar index and where this is the\ncase we do not need to be advised.\nUnreasonable multipliers of ground rent will not be permitted, for example, doubling\nevery five, 10 or 15 years.\nGuarantor mortgages\nWe don\u2019t offer guarantor mortgages. Joint borrower sole proprietor is available across all\nour mortgage ranges.",
      "header_level": "unknown"
    },
    "H": {
      "text": "Help to Buy\nWe can assist when the applicant is remortgaging to pay off the Help to Buy loan.\nHoliday homes\nAccepted.\n13\nYou might be interested in our product guide or please view our holiday let product\npage.\nHoliday lets\nAccepted. Visit our product guide or view our holiday let product page.\nHouse of multiple occupancy (HMO)\nMaximum of four let rooms considered on a case-by-case basis.",
      "header_level": "unknown"
    },
    "I": {
      "text": "Identification (ID)\nAfter completing an online check we\u2019ll confirm if any of the following additional proof of\nID is needed.\nCertified identification and proof of residency is required on all expat and foreign national\napplications.\nConfirmation of applicant(s) identity via one of the following:\n\u2022 Valid passport, with six months remaining.\n\u2022 Valid photocard driving licence (full or provisional).\n\u2022 Valid old style driving licence.\n\u2022 Current European economic area member state card.\nConfirmation of applicant(s) address via one of the following:\n\u2022 Gas, electricity or landline telephone bill less than three months old.\n\u2022 Mortgage statement or water bill less than 12 months old.\n\u2022 Council tax bill or TV licence notification less than 12 months old.\n\u2022 UK-based bank, building society or credit card statement less than three months\nold.\nAdditional information for expat applicant(s):\n\u2022 A copy of the current rental tenancy agreement (if applicable).\nCertified document requirements\nAll identification and proof of address documents must be certified accordingly.\nCertified copies must state \u2018This document is a true copy of the original\u2019, be dated\nand have the name, address and the contact details of the certifier. In addition,\nphotographic ID should state \u2018I certify this is a true likeness of (title and full\nname)\u2019.\nThe following can certify these documents:\n\u2022 Brokers on the Society\u2019s panel\n\u2022 Lawyers or barristers\n14\n\u2022 Authorised financial intermediary\n\u2022 Justices of the peace\n\u2022 Medical practitioners\n\u2022 Government or embassy officials\n\u2022 Notary public\n\u2022 Certified or chartered accountants\n\u2022 Chartered surveyors\n\u2022 Minister of religion\n\u2022 Teacher\nAlternatively, applicants have the option to use an online service called HooYu to\nupload their proof of identification and proof of residency directly to the portal.\nTell us if they\u2019d like to use this service and we\u2019ll email the applicants secure\npasscode links. Contact your BDM or call our team.\nIncome\nYou might also be interested in our Proof of income section.\nType % considered\nBasic salary 100%\nContractually guaranteed 100%\novertime/commission/bonus\nOvertime - where the overtime paid is 50% of the overtime paid as an average\nirregular or not guaranteed over the last three years can be used for\naffordability calculations but capped at\n50% of basic salary.\nNon-contractual bonus or commission We\u2019ll use the average bonus payment over\nwhere the basic salary is less than the three years up to 75% of basic salary\n\u00a330,000 and bonuses have been paid for for income calculation.\nthe last three years\nNon-contractual bonus or commission We\u2019ll use the average bonus payment over\nwhere the basic salary is over \u00a330,000 the three years up to 200% of basic\nand bonuses have been paid for the last salary for income calculation.\nthree years\nNon-contractual bonus where the bonus 50% of the bonus paid as an average over\nor commission paid is irregular or not the last three years used for calculation\nguaranteed but capped at 50% of basic salary.\nDeferred bonus payments 0%\nSecond job 100% where it is feasible/reasonable for\nthe borrower to sustain income from more\nthan one employment\nState benefits 100%\nInvestment income 50%\nGross Rental income 100% with deductions made for void\nperiods. Relevant tax must be accounted\nfor.\nPension income 100%\nPiece rate employees (average of last 12 100%\nmonths\u2019 pay)\nCourt ordered maintenance 100%\nNon-court ordered maintenance with 50%\nevidence of receipt for past 12 months\n15\nIncome received from Trust Funds 50-100% depending on the following\nfactors:\n\u2022 The capital value of the Trust and\nthe nature of its assets;\n\u2022 The overall liabilities of the Trust to\nbeneficiaries compared to its\nincome/capital;\n\u2022 The potential volatility of the\ninvestment income receivable, whilst\nconsidering the trust may be able to meet\nobligations from capital;\n\u2022 The consideration of the historic\npayments received from the Trust.\nYou might also be interested in our Rental income section.\nIf your clients\u2019 income source isn\u2019t mentioned here, please contact your BDM or call our\nteam.\nInterest only\nMaximum LTV for residential interest only cases with a satisfactory repayment vehicle is\n75%.\nWhere the proposed repayment vehicle is sale of the subject property, at the start of the\nloan it must have a minimum of two bedrooms and (after deducting all secured loans) at\nleast \u00a3500,000 equity in the property in London and the South East or \u00a3300,000\nelsewhere. Additional information can be found on the following links:\nSee Lending in retirement.\nSee Repayment vehicles.\nInterest cover ratio (ICR)\n\u2022 Buy to let: Top-slicing available on all cases and assessed on full affordability. No\nminimum ICR requirement.\n\u2022 Unregulated holiday lets: Minimum ICR 155% without affordability\nassessment. Can proceed with top-slicing and affordability assessment if\nminimum ICR requirements are not met.\n\u2022 Regulated holiday lets: Top-slicing on all cases and assessed on full\naffordability.\nIreland (Republic of)\nWe don\u2019t lend in Ireland. We lend across England and Wales with no post code\nrestrictions. This includes the Isle of Wight.\nIVAs\nSee our Adverse section for more information.\nBorrowers with an Individual Voluntary Arrangement (IVA) or Company Voluntary\nArrangement (CVA,) or Discharged IVA or CVA (which has been settled for <72 months)\nare unacceptable.\n16",
      "header_level": "unknown"
    },
    "J": {
      "text": "Joint borrower sole proprietor (JBSP)\nJoint borrower sole proprietor is available across all our mortgage ranges, with income\nfrom all borrowers used for affordability assessment.\nA maximum of four applicants with at least one applicant listed as owner/proprietor.\nAcceptable examples of how a joint mortgage sole property ownership could be used:\n\u2022 A parent named jointly on the mortgage, but their child is the sole legal owner.\n\u2022 A friend named jointly on the mortgage, but their friend is the sole legal owner.\n\u2022 A partner/spouse named jointly on the mortgage, but their partner/spouse is the\nsole legal owner.\nThe borrower(s) will require independent legal advice as they are jointly and severally\nliable for the debt but are not owners of the property.",
      "header_level": "unknown"
    },
    "L": {
      "text": "Large loans\nThe exposure to one borrower or linked individuals (where the servicing of two or more\nloans is economically dependent upon one individual) is limited to \u00a35m. The following\nLTV limits apply to larger loans:\n\u2022 Loans less than \u00a32m won\u2019t exceed 80% LTV including arrangement fee\n\u2022 Loans between \u00a32m and \u00a32.75m won\u2019t exceed 75% LTV\n\u2022 Loans between \u00a32,750,001 and \u00a33.5m won\u2019t exceed 70% LTV\n\u2022 Loans between \u00a33,500,001 and \u00a34.25m won\u2019t exceed 65% LTV\n\u2022 Loans between \u00a34,250,001 and \u00a35m won\u2019t exceed 60% LTV\nLeasehold\nLeasehold properties are accepted. Share of freehold can be considered.\n\u2022 On leaseholds, leases must have at least 50 years remaining at the end of the\nmortgage term. An exception to this is Prime London location where the minimum\nlease remaining at the end of the mortgage term should be no less than 15 years.\n\u2022 Leasehold houses are accepted providing the terms of the lease are not\nexcessive.\n17\n\u2022 We\u2019ll consider applications where the lease is increasing simultaneously with the\nmortgage completion.\nLending into retirement\nWe define this as cases where applicants can reasonably be expected to retire before the\nend of the mortgage term.\nOur definition of retired is a borrower of 70 years of age or older. Anyone below that age,\nwho will be 70 or older at the maturity of the loan, will be a lending into retirement case.\nApplicants who are 70 or older at the start of the loan are lending in retirement cases.\nThe maximum LTV for residential borrowers (interest only and capital repayment) over\n68 years of age is 75%. Loans agreed prior to age 68, which are over 75% LTV at loan\ninception, need to have reduced to at least 75% before the borrower becomes more than\n68 years of age.\nLending in retirement\nWe define this as cases where borrowers are already retired at the start of the mortgage\nterm.\nThe maximum age of the borrower (oldest if joint borrowers) on an owner-occupied\nproperty at the end of the mortgage term is 85. There is no maximum age for borrowers\non buy to let, holiday let or short-term loans, however it must be within general life\nexpectancy.\nThe maximum LTV for residential borrowers (interest only and capital repayment) over\n68 years of age is 75%.\nLet to buy\nWe\u2019ll consider this as part of our buy to let range providing the applicant owns other\ninvestment property(ies). The applicant must have evidence of an onward residential\npurchase.\nWe can consider capital raising to assist the onward residential purchase subject to it not\nbeing classified as consumer buy to let.\nLimited company buy to let\nNot accepted.\nLoan to income (LTI)\nNo maximum.\nLoan to value (LTV)\n\u2022 Maximum 80% for residential and buy to let ranges, up to \u00a32m.\n\u2022 Maximum 75% for holiday lets and residential loan above \u00a32m.\nLocations\nWe lend on properties across England and Wales, with no post code restrictions. This\nincludes the Isle of Wight. We don\u2019t lend in Scotland, Ireland or Northern Ireland.\n18",
      "header_level": "unknown"
    },
    "M": {
      "text": "Maintenance income\nWe accept:\n\u2022 Court ordered maintenance - 100%\n\u2022 Non-court ordered maintenance with evidence of receipt for past 12 months \u2013\n50%, providing that the child is under the age of 13 years old.\nFor other income types, visit our Income section.\nMaisonettes\nLeasehold maisonettes are accepted. Freehold single unit flats or maisonettes aren\u2019t\naccepted.\nFor complex properties or other property features, you might find our Property types\nsection useful.\nMaternity leave\nWe accept 100% of basic salary upon return to work. Anticipated childcare should be\nincluded in the affordability calculator.\nFor other income types, visit our Income section.\nMaximum age\nResidential cases - 85th birthday at the end of the mortgage term.\nLet cases \u2013 no limit, as long as within reasonable life expectancy.\nMaximum loan\n\u00a35m.\nMaximum property value\nNo maximum.\nMaximum term\n40 years.\nMinimum age\n18 years. The maximum is the applicant\u2019s 85th birthday at the end of the mortgage term\nfor residential cases. No maximum for let cases.\n19\nMinimum loan\n\u00a3200k.\nMinimum property value\n\u00a3250k.\nMinimum term\nFive years for term loans. 12 months for bridging finance.\nMixed use properties\nWe\u2019re used to providing mortgages for complex properties and accept the following:\n\u2022 Listed buildings\n\u2022 Large acreage, with no limit\n\u2022 Properties with annexes\n\u2022 Multi-units\nResidential properties with a commercial element can be considered on an exception\nbasis.\nFor complex properties or other property features, you might find our Property types\nsection useful.\nMobile homes\nNot accepted.\nModern Methods of Construction (MMC)\nWe consider properties designed and built in accordance with Modern Methods of\nConstruction (MMC) providing the materials used comply with BRE product standards\nand there is a warranty from an acceptable provider.\nPlease contact your BDM or call our team to discuss your needs.\nMortgage arrears\nSee our Adverse section for more information.\nBorrowers with a payment shortfall of three months or more, on a previous loan, in the\nlast three years are not accepted.\nMultiple titles\nWe accept properties with multiple titles.\nFor complex properties or other property features, you might find our Property types\nsection useful.\nMultiple units\nWe accept properties with multiple units for personal use or sub-let. Freehold multi-unit\nblocks are accepted with a maximum of four units within the block.\n20\nFor complex properties or other property features, you might find our Property types\nsection useful.",
      "header_level": "unknown"
    },
    "N": {
      "text": "New builds\nAccepted. Maximum 75% LTV for houses and 65% for\nflats.\nNew-build warranty\nWe accept the following as standard:\n\u2022 NHBC Certificate\n\u2022 Premier Guarantee\n\u2022 Building Life Plan\n\u2022 Build-Zone\n\u2022 LABC New Home Warranty\n\u2022 Architect\u2019s or Chartered Surveyor\u2019s Certificate\nWarranties from providers not on the approved list can be considered on a case-by-case\nbasis. Please contact your BDM or call our team.\nNon-borrowing occupier\nNon-borrowing occupiers residing in the property will be requested to sign an additional\noccupier form prior to completion. If part or all of the deposit is coming from a non-\nborrowing occupier, see gifted deposit/gifted equity for requirements.\nNon-standard construction\nFor complex properties or other property features, you might find our Property types\nsection useful.\nNon-UK tax-payers\nAccepted.\nNorthern Ireland\nWe don\u2019t lend in Northern Ireland. We lend across England and Wales with no post code\nrestrictions. This includes the Isle of Wight.\n21",
      "header_level": "unknown"
    },
    "O": {
      "text": "Offers\nOur offers are valid for three months. Extensions can be provided subject to the\nunderwriter\u2019s discretion and further supporting documentation being provided, if\nconsidered necessary.\nOvertime\nWe accept:\n\u2022 Contractually guaranteed Overtime \u2013 100%.\n\u2022 Where the overtime paid is irregular or not guaranteed then 50% of the overtime\npaid as an average over the last three years can be used for affordability\ncalculations. This is capped at 50% of basic salary.",
      "header_level": "unknown"
    },
    "P": {
      "text": "Paternity leave\nWe accept 100% of basic salary upon return to work. It is anticipated that childcare\nshould be included in the affordability calculator.\nFor other income types, visit our Income section.\nPorting\nAll products are portable except bridging finance.\nPorting is defined as where an existing borrower transfers their current mortgage\nproduct to purchase a new property.\nIf the sale of the existing property and purchase of the new property cannot complete\nsimultaneously the borrower will have three months to complete the port and be\nrefunded any early repayment charges (ERC).\nThe new loan must meet the Society\u2019s lending criteria and is subject to an affordability\nand underwriting assessment. We will consider porting the product to a property already\nowned by the borrower. Please contact your BDM or call our team.\n22\nPortfolio landlords\nWe define a portfolio landlord as one with four or more mortgaged buy to let properties.\nWe consider portfolio landlords on an exception basis. This is largely dependent on the\nborrower having additional sources of income to support our affordability model (as\nopposed to ICR).\nMaximum LTV 80% (subject to property type limits). Please contact your BDM or call our\nteam.\nProbationary period\nApplicants can be considered if they are in a probationary period, subject to having a\nminimum of 12 months\u2019 employment history.\nProcuration fees\nProcuration fees are paid on all completed new mortgage business and product switch\ncases in line with terms and conditions. We don\u2019t have a maximum or cap applied to\nprocuration fees.\nBrokers should refer to their firm\u2019s Terms of Business Agreement (TOBA) for more\ndetails.\nProduct fees\nFor more information about the product fees that apply to our mortgage range, please\nvisit our product guide.\nProduct switches\nBrokers can complete product switches for existing Market Harborough mortgage holders\nand earn a proc fee. See our product switch page for more information. Alternatively,\nplease contact your BDM or call our team.\nProof of address\nFor more information, visit our Identification (ID) section.\nProof of ID\nFor more information, visit our Identification (ID) section.\nProof of income\nThese are our proof of income requirements:\n\u2022 Employed applicants:\nLatest three payslips and the last P60\no\nAll employed expats must have an employment reference independently\no\nobtained\n\u2022 Self-employed applicants (This includes those in partnerships or those with a\n25% plus shareholding in the employing company):\nLatest year\u2019s accounts and one year\u2019s projections/current performance\no\nproduced by a Chartered, Certified or CIMA Accountant in Practice and the\nlatest SA302 or equivalent tax assessment.\n23\nIf the applicants have an established business with two years or more\no\naccounts available, income will be based on the most recent year with no\nprojection required.\nIf applicants do not have an accountant, we require evidence from HMRC\no\nof profit for tax purposes for the last three years.\n\u2022 Contractors\nContract workers must provide a copy of their current contract, evidence\no\nof the last three years\u2019 earnings, (either tax returns or audited accounts)\nand bank statements to support the income.\n\u2022 Pension income\nLatest pension statement and latest investment statement supported by\no\nbank statements showing receipt of funds\nProperty types\nWe\u2019re used to providing mortgages for complex properties.\nIn this section you\u2019ll find out more about acceptable property types, unacceptable\nfeatures and our approach to non-standard construction. You can also visit our Leasehold\nsection.\n\u2022 Acceptable property features include:\nLarge acreage, with no limit\no\nAnnexes for personal use or let on AST or short-term basis\no\nOutbuildings\no\nMultiple units\no\nMultiple titles\no\nMore than one kitchen\no\nListed buildings\no\n\u2022 Unacceptable properties include:\nProperties deemed uninhabitable \u2013 there may be occasions where our\no\nbridging financing could be a useful alternative form of finance. Visit our\nbridging finance product page for more information.\nFreehold maisonettes\no\nRetirement properties\no\nSheltered housing\no\nMobile homes\no\nHouseboats\no\nProperties with guaranteed rental schemes\no\n\u2022 Construction types:\nVarious construction types are considered as standard, as well as non-standard\nand modern methods of construction (MMC). For unusual construction types,\nplease contact your BDM or call our team to discuss your needs. Unacceptable\nconstruction types include:\n100% timber construction\no\nSteel clad properties\no\nWalls containing Mundic classified as class B or class C\no\nSingle skin brickwork\no\nUse of insulating spray foam\no\n24",
      "header_level": "unknown"
    },
    "R": {
      "text": "Remortgages within six months\nDay one remortgages are acceptable. Borrowers are required to use the same solicitor\nthat they used to purchase the property being remortgaged. If this solicitor doesn't meet\nthe Society's panel requirements we require separate representation.\nRegulated buy to let\nAccepted. Visit our product guide or view our buy to let product page.\nRental income\nGross rental income \u2013 100% with deductions made for void periods. Relevant tax must\nbe accounted for.\nRent a room income \u2013 75%\nRepayment strategies/vehicles\nOutlined below are acceptable repayment strategies.\nThis list isn\u2019t exhaustive and alternative strategies can be approved by our Credit\nCommittee:\n\u2022 Sale and downsize \u2013 See our Interest only section for equity requirements on\nresidential loans.\n\u2022 Endowment policies - a projection of performance at least equal to the loan\namount at maturity is required.\n\u2022 ISAs - Applicant(s) must be at least 40 and demonstrate a savings record of at\nleast 10 years. A pro rata calculation must be made to ensure current\ncontributions will be sufficient to repay the loan.\n\u2022 Pension plans - The projected fund at retirement should be established; a\nmaximum projection of 25% can be used as a source of payment. This 25% limit\ncan be exceeded with Credit Committee approval. The retirement date must not\nbe later than the end of the mortgage term.\n\u2022 Mortgage overpayments - A credibility check will be carried out.\n\u2022 Sale of second property - If the applicant\u2019s second property has sufficient\nequity or value to repay the mortgage.\n\u2022 Speculative strategies e.g. inheritance are unacceptable\nRestrictive convenants\nProperties with restrictive covenant or occupancy restrictions are considered on a case-\nby-case basis, please contact your BDM or call our team.\n25\nRetirement properties\nNot accepted.\nRight to Buy\nNot accepted.",
      "header_level": "unknown"
    },
    "S": {
      "text": "Scotland\nWe don\u2019t lend in Scotland.\nWe lend across England and Wales with no post code restrictions. This includes the Isle\nof Wight.\nSecond charges\nAs additional security, we consider second charges which rank behind the existing first\ncharge holder. We don\u2019t rely on second charges as principal security, only as additional\nsecurity.\nSecond jobs\n100% accepted - where it is feasible for the borrower to sustain income from more than\none employment.\nSecond property\nAccepted.\nSelf-build\nNot currently accepted. You might be interested in our bridging finance which is available\nwith rolled up interest and in stage releases. To find out more, visit our bridging finance\nproduct page or contact your BDM or call our team.\nSelf-employed\nAccepted. For more information, see our Income section.\nSelf-employed limited company directors\nFor more information, see our Income section.\nAffordability is based on salary and dividends. Use of retained profits and/or net profits\nare considered on a case-by-case basis.\nWe require the latest year\u2019s accounts and one year\u2019s projections/current performance\nproduced by a Chartered, Certified or CIMA Accountant in Practice. If the applicants have\n26\nan established business with two years or more accounts available income will be based\non the most recent year with no projection required.\nSelf-employed sole trader\nFor more information, see our Income section.\nLast two years\u2019 accounts if available and evidence from HMRC of profit for tax purposes\nfor the last three years.\nService charges\nAbnormally high levels of ground rent or service charge will be considered when\nassessing the valuation. Any estate rent charge and/or service charge at the start of the\nmortgage term must always be reasonable. Unreasonable Estate rent charges and\nService charges will not be permitted. Please contact your BDM or call our team.\nShared equity\nNot accepted.\nShared ownership\nNot accepted.\nShift allowance\n100% accepted. You might find our Income section useful.\nShort term contractors\nContract workers must provide a copy of their current contract, evidence of the last\nthree years\u2019 earnings, (either tax returns or audited accounts) and bank statements to\nsupport the income. We\u2019ll consider accepting one year\u2019s accounts for contractors if\nevidence of three years\u2019 history of employment in the same industry is available.\nYou might find our Income section useful.\nShorthold tenancy agreement\nBuy to let borrowers normally grant an Assured Shorthold Tenancy (AST). When it isn\u2019t\npossible to use an AST or the initial letting term is more than 12 months reference to a\nSenior Underwriter is required. Please contact your BDM or call our team for more help.\nSmallholdings\nPersonal smallholdings are acceptable. If any commercial element exists, please refer to\nyour BDM or call our team.\nSolar panels\nWe accept owned photovoltaic solar panels which have been installed by a provider with\nMicro-generation Certification Scheme accreditation.\nSolicitor panel\nOur panel is managed by Lender Exchange and the following criteria must be met to\nallow admittance to the panel:\n\u2022 Only Conveyancing Quality Scheme (CQS) accredited firms will be admitted.\n27\n\u2022 No personal or family relationships must exist between partners or directors,\nwithout the Society\u2019s written approval.\n\u2022 The firm must comprise a minimum of three solicitors/partners or\ndirectors/investors who are individually SRA /CLC approved. These firms must in\nthemselves be SRA or CLC approved. A suitable business format for such firms\nare limited liability partnerships, limited liability companies or traditional\npartnerships.\n\u2022 The firm must provide practicing certificates for three SRA-approved managers\n(for solicitors) or practicing certificates for three authorised persons (for licensed\nconveyancers) who have been working in private practice for at least three years.\n\u2022 For firms where the office holders/owners don\u2019t hold practicing certificates, there\nmust be at least three lawyers within the firm who have been in private practice\nand have held a current practicing certificate for at least three years.\n\u2022 The firm must hold professional indemnity cover of at least \u00a32m for any one claim\nand must notify the Society in the future of any fundamental changes to the\ncover.\n\u2022 The firm must not be going through a merger/takeover.\nSub-contractors\nSub-contractors must have been employed for a minimum of three years and be able to\nprovide a minimum of three years\u2019 evidence of income from HMRC. Standard references\nwill be obtained from the main contractors.\nFor more information, see our Income section.",
      "header_level": "unknown"
    },
    "T": {
      "text": "Tenants\n\u2022 For unregulated buy to lets the property must be let on an assured shorthold\ntenancy (AST) (6-12 months). ASTs >12 months can be considered, please refer\nto your BDM or call our team\n\u2022 Regulated buy to lets, where the property is let to family members can be\nconsidered as we assess all buy to lets on full affordability.\n\u2022 Holiday lets are defined as an agreement to let a property or part of a property\non a licence arrangement for less than 28 days for the purposes of holidays not a\nhome. A letter from a holiday letting agent is required confirming the potential\nrent for low/mid/high seasons.\n\u2022 Corporate tenancies will be considered on a case-by-case basis.\n\u2022 Student lets aren\u2019t accepted.\nTenants in common\nAccepted subject to suitable advice from the conveyancers involved in the mortgage\ntransaction.\n28\nTenure\n\u2022 Freehold and leasehold properties are accepted, except freehold flats.\n\u2022 Commonhold/Share of freehold are accepted providing confirmation of a\nmanagement company is in place prior to completion.\n\u2022 On leaseholds, leases must have at least 50 years at the end of the mortgage\nterm. Exception to this is Prime London location where a minimum lease\nremaining at the end of the mortgage term must be no less than 15 years.\n\u2022 We\u2019ll consider applications where the lease is increasing to an acceptable term,\nsimultaneously with the mortgage completion.\nTimber frame properties\nThere are many different types of timber and timber framed dwellings throughout the\nUK, many that we will accept, subject to the valuer\u2019s comments.\nPre-1965 softwood timber framed constructions and 100% timber construction are not\naccepted.\nTop-slicing\nWe top-slice (use of personal income) as standard on all buy to let cases with no interest\ncover ratio (ICR), with no minimum income requirement.\nWe can top-slice on holiday lets if an application doesn\u2019t meet minimum ICR\nrequirements.\nPlease see our product guide for further details.\nTransfer of equity\nAccepted, and can be processed simultaneously with a new mortgage application. Terms\nfor the transfer of equity must be declared with the DIP.",
      "header_level": "unknown"
    },
    "U": {
      "text": "Undervalue transactions\nNot accepted.\nUnsecured arrears\nSee our Adverse section for more information.\n29",
      "header_level": "unknown"
    },
    "V": {
      "text": "Valuations\nBasic mortgage valuation fees are listed within our product guide.\nDepending on the complexity of the property, a bespoke valuation quotation will be\nobtained prior to application.\nValuations are instructed once a full mortgage application and payment of fee has been\nreceived in full.\nVendor gifted deposit\nWe consider cases where the applicant is being gifted a deposit from their existing\nlandlord. Please contact your BDM or call our team.\nVisas\nVarious Visas are considered for foreign nationals living in the UK with no minimum time\nor residency requirements. Each case is considered on an individual basis.\nForeign nationals residing overseas are considered. They must have a UK link (for\nexample previously lived in the UK) and have a UK-mainland bank account to service the\nDirect Debit.",
      "header_level": "unknown"
    },
    "W": {
      "text": "Wales\nAccepted. We lend across England and Wales with no post code restrictions. That\nincludes the Isle of Wight.\nWarranties\nWe accept the following as standard:\n\u2022 NHBC Certificate\n\u2022 Premier Guarantee\n\u2022 Building Life Plan\n\u2022 Build-Zone\n\u2022 LABC New Home Warranty\n\u2022 Architect\u2019s or Chartered Surveyor\u2019s Certificate\n30\nWarranties from providers not on the approved list can be considered on a case-by-case\nbasis. Please contact your BDM or call our team.",
      "header_level": "unknown"
    },
    "Z": {
      "text": "Zero-hour contracts\nNot accepted.\n31",
      "header_level": "unknown"
    }
  }
}