Underwriting Criteria

Age restrictions for applicants:

• The minimum age we will lend to is 25 years. (Please check current product details for criteria as a higher minimum age may apply)
• The maximum age at the end of the mortgage term is 70 years.
  

Where we lend:

• We only lend in England and Wales.
  

Repayment methods:

• Mortgages can be on the following basis;
   
  1. Capital and Interest Repayment.
  2. Part Capital and Interest and part Interest Only up to a maximum of 70% LTV.
  3. Interest Only up to a maximum of 70% LTV.

Higher Lending Charge:

• This is a one-off fee which may be payable on your mortgage (see Jargon Buster and individual product details for criteria).