Maximum Loan to Value ratio 70% for sterling loan or 60% for currency loan.
Affordability is judged on income and assets taking into account earned income, rental income, investment income and any assets that you have
Employment: employed or self-employed, but we are only able to arrange mortgages for the self employed (this includes company directors who own more than 20% of the shareholding of a company) if they are able to provide 3 complete years of audited accounts from a reputable accountant.
Maximum term 25 years or retirement age whichever is the sooner
Minimum Sterling Loan: £50,000
Minimum Currency Loan: £100,000 equivalent.
Maximum age 65 or in some cases 70
Loans denominated in other currencies are available
Residential mortgages, Buy-to-Let, Base Rate Tracker, Fixed Interest loans available.