Taking a broader view
Our mortgages are only for creditworthy borrowers. However, we will take into account factors that can cause credit score fails.
For example, applicants:
- not yet on the voters roll because they have recently moved home
- who have recently changed their job
- who have satisfactorily resolved minor historic credit issues
- who are self-employed with income generated via multiple sources
- who are self-employed and disadvantaged by credit scoring systems favoring salaried applicants
- currently living in rented accommodation, because they have sold their previous house
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Everything you need to know
Download our product guide, lending criteria snapshot, and tariff of charges.