Our dedicated Mortgage Team is here to support you every step of the way. For any mortgage-related queries, feel free to contact us directly.
Types of borrowers
First time buyers
- Maximum Loan to Value (LTV): 90% of the purchase price
- Borrow up to 4 times your gross income (Loan to Income – LTI)
- Minimum deposit: 10% of the property purchase price
- Members must have funds for stamp duty and solicitor fees
Non-first time buyers
- Maximum LTV: 90% of the purchase price
- Borrow up to 3.5 times your income
- Minimum deposit: 10% of the property purchase price
Switcher Mortgage
- Exempt from LTI & LTV limits
Employment requirements
Employees must be in permanent employment for more than 6 months and have successfully completed their probationary period. Self-Employed must be self employed for a minimum of 3 years
PAYE/ Employees
- 3 months consecutive payslips
- 6 months bank statements
- Employee Detail Summary for the last 3 years
- 6 months credit card statements
- Salary Certificate
- 6 months loan account statements
Self-Employed: Documents required
- 3 years audited/trading accounts
- 6 months personal and business bank statements (dated within last 6 months)
- 6 months credit card statements (dated within last 6 months)
- 6 months loan account statements (dated within last 6 months)
- Confirmation of tax position
- Self-Assessment Notice for the last 3 years
- E-Tax Clearance Certificate
