Maximum LTV's:

125% LTV
• No Adverse
• Self Employed professional with 2 years audited accounts
• No RTB Properties
• Minimum 6 months Mortgage History
• Standard Construction (includes RTB Houses/Flats Purchased Privately)

100% LTV as above with
• Minimum 1 month Mortgage History
• Self Employed with Accounts
• Self Cert 50k Max with Proof, No Accounts Required

95% LTV as above with
• Max 1 Adverse Unit (CCJ, Default or Mortgage Arrears)
• RTB Houses Purchased Over 2 Years Ago

90% LTV as above with
• Max 3 Months Mortgage Arrears 1 in the last 3 months
• Current Satisfactorily Paid IVA
• RTB Houses Purchased 9 Months Ago
• Discharged Bankrupt 1 year
No back up for self cert

85% LTV as above with
• Max 4 Months Mortgage Arrears 1 in the last 3 months
• Max 3 Months Mortgage Arrears ( 80% )
• Buy to Let Properties
• No Mortgage Consent Required

77.5% LTV as above with
• Any Adverse
• No Mortgage Consent Required
• Unlimited Full Self Cert
• Current Bankruptcy

65% LTV
• RTB Flats with 1 Month Mortgage History
• Semi-Commercial
• Any Adverse
• No Mortgage Consent Required
• Unlimited Full Self Cert
• Current Bankruptcy

The above is a broad outline of secured loans and is intended as a rough guide. There is not an off the shelf product so depending on the variables you customer may fit in a separate category. We will look at anything outside of the above with in reason