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Compare Criteria - Residential Mortgages

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Intermediary Status

Customer Type

CCJs

Defaults

Secured Arrears

Unsecured Arrears

DMPs

Maximise Affordability

Age (end of Term)

Property Value

  • Property Value

    £50,000, except London £150,000

  • Advance (min)

    £25,001

  • Income

    Min income £15000 for main applicant's primary income. Employed Primary income can be made from basic salary + 50% Commission/bonus/OT (key 100% into DIP). Monthly take average of last 3...

  • Maximum Age

    70 years or 75 upon referral at DIP stage. The retirement age must be keyed as 75 and a note uploaded at DIP stage into the case confirming that the...
  • Historic CCJ's & Defaults

    Dependent on product plan:- Up to 5 DF + 3 CCJs in last 24 months (0 in 3), no max value to the DF/CCJs ie £68k DF 6 months ago considered. They do not need to have been satisfied and are not usually included in the affordability calculation. Over 24...

  • Property Value

    £75,000

  • Advance (min)

    £25,001 - Loans from £500k to £2m are considered on the large loan products.

  • Income

    No minimum income - but will be affordability based from the submitted AIP. 50% of regular/guaranteed overtime/ bonus/ commission, 100% if last 2 P60's and last 3 months payslips show...

  • Maximum Age

    75 years **** If the client is over the age of 55 at application, max age is 70 at the end of the term. Where appropriate, Kensington will generally be...
  • Historic CCJ's & Defaults

    Core Range: All non-defaulted agreements must be up to date at the time of application. - Status 2 on any individual agreements in the last 12 months, must now be up to date. - All communications issues ignored. - Options 1 (CCJ) Range: - Max status 2 in 12 last...

  • Property Value

    £75,000

  • Advance (min)

    £25,001

  • Income

    No minimum income but will be affordability based on "ONS" statistics - Unacceptable Income: We will not take into account any income arising from Incapacity benefits, housing benefit, income support...

  • Maximum Age

    No Maximum
  • Historic CCJ's & Defaults

    Applicant(s) must satisfy the following criteria: Mortgage applications up to 80% LTV: • No missed payments in last 12 months on any (previous or current) mortgage, other secured loan or rent, and no arrears in months 13-24 (counting backwards from the present date), where the cumulative amount overdue at any...

  • Property Value

    £75,000

  • Advance (min)

    £50,000

  • Income

    £18,000 minimum income required for the primary applicant Sapphire Club range: - Accept 75% of benefit income (DLA, Carers Allowance, Child Benefit, WFTC) if 2 years remaining and not primary...

  • Maximum Age

    65 at the start of the mortgage term
  • Historic CCJ's & Defaults

    Defaults and CCJ's ignored for product selection purposes if less than £300. Ignore all communication defaults/CCJ's None allowed in last 6 months outside of the above criteria

  • Property Value

    £70k £150k in London and South East

  • Advance (min)

    £25,000

  • Income

    £15,000 for applicant 1. No min income for applicant 2 Income must be earned income, no benefits accepted. 100% basic / pension / Car allowance / 50% - O/T /...

  • Maximum Age

    80 years (at the end of the term) as long as the applicant’s retirement income supports the lending requested
  • Historic CCJ's & Defaults

    TML 1 – No CCJ in last 36 ; no unsecured defaults in last 24; no secured defaults in last 24 **** TML2 – Up to £1000 CCJ in last 36; Unsecured defaults 0 in 6, 1 in 24, max £1500 in 12; no secured defaults in last 24. ****...

  • Property Value

    £70,000

  • Advance (min)

    £25,001

  • Income

    Minimum income £18,000 per application (joint) - excluding ALL benefits and maintenance. Employed • Income – last 3 month’s payslips, will use the average net pay out of the 3...

  • Maximum Age

    75 years
  • Historic CCJ's & Defaults

    (CCJs or defaults are treated the same) No CCJs or defaults are allowed in the first 6 months CCJs and defaults registered more than 2 or 3 years ago, dependent on product, are ignored. A missed mortgage payment as reflected at CRA (not paid within a month of the contractual...

  • Property Value

    £50,000 if LTV 75% or less) £100,000 if above 75% LTV

  • Advance (min)

    For standard residential applications: up to 75% LTV, minimum loan amount is £50,000. 76%-85% LTV, minimum loan amount is £100,000 as long as property value is £125,000 For shared ownership applications, the minimum loan amount is £50,000 and we can go to 100% of MSV (Market share value).

  • Income

    No minimum income. Affordability calculator used for income. 100% of basic salary 50% of regular overtime, bonus or commission. 100% of maintenance by court order(child under 13). 3 years self-employed...

  • Maximum Age

    85 years
  • Historic CCJ's & Defaults

    Prime - CCJ's - 0 in last 36 months and must be satisfied unless £300 or under. Defaults: - 0 in last 36 months and must be satisfied unless £300 or under. Near Prime 1: - CCJ's - 0 in last 24 months and must be satisfied prior to application....

  • Property Value

    £50,000 (65% LTV or below) £75,000 >65% LTV

  • Advance (min)

    £25,001

  • Income

    £20,000 per household. 100% of basic and guaranteed allowances / overtime / commission. 50% of regular overtime / commission. Long term state benefits (child benefit / tax credits etc) acceptable...

  • Maximum Age

    75 years
  • Historic CCJ's & Defaults

    Any non-defaulted unsecured credit arrangements with a status >2 will be treated as defaults under the product rules, using the date the account last exceeded status 2 as the default date and the account balance as the default value CCJs: Max 2 totaling £3,000 registered in 24 months (0 in...

  • Property Value

    £65,000

  • Advance (min)

    £25,001

  • Income

    No minimum income. Can lend into retirement with a maximum term of 35 years or the applicant’s 86th birthday Proof of pension income required if retiring (or age 75) in...

  • Maximum Age

    86th birthday at redemption
  • Historic CCJ's & Defaults

    See CCJ/Defaults and relevant section for adverse

  • Property Value

    £75,000

  • Advance (min)

    £50,000

  • Income

    No minimum income

  • Maximum Age

    75 years
  • Historic CCJ's & Defaults

    Assessed on worst status and not missed payments Product Range dependant: F1 - clients with no adverse for 3 years. CCJ's - 0 in 36 months. Defaults must be fully satisfied at the time of application. F2 - Recent credit blips - within 24 months. CCJ's - 0 within 24...

  • Property Value

    £60,000

  • Advance (min)

    £25,000

  • Income

    £10,000 pa for residential. 100% of basic salary, shift allowance, car allowance and London weighting. 50% of guaranteed/ regular overtime/ bonus/ commission and profit related pay. FTB accepted. 2 Years...

  • Maximum Age

    70 years
  • Historic CCJ's & Defaults

    Level 1 - CCJ's - 0 in last 36 months - outside of 36 months, does not need to be satisfied if total combined value is up to £500. Over 36 months, needs to be satisfied for 36 months if total combined value is over £500. Defaults - 0 in...

  • Property Value

    £70,000 for all property types. Ex Local authority flats/maisonettes min £125k outside London, £200k in Greater London up to 80% LTV. £100,000 above 85% LTV and First time buyer (90% LTV).

  • Advance (min)

    £25,000

  • Income

    £15,000 for applicant 1, not joint.

  • Maximum Age

    85 years old at the end of the mortgage term
  • Historic CCJ's & Defaults

    Vida Premier, No registered CCJs OR Defaults in the last 36 months. No Unsatisfied CCJs Vida 1 - No registered CCJs OR Defaults in the last 24 months. No Unsatisfied CCJs Vida 2 - 1 Registered CCJ or 1 Defaults in the last 24 months (0 in last 18 months...

  • Property Value

    £50,000

  • Advance (min)

    £3,000

  • Income

    No minimum income

  • Maximum Age

    80 years at the end of the mortgage term
  • Historic CCJ's & Defaults

    Up to 6 accepted in the last 12 months all previous CCJ's and defaults ignored over 12 months

  • Property Value

    £100,000

  • Advance (min)

    £30,000

  • Income

    No minimum income for Residential. 100% of basic + guaranteed allowances 100% of guaranteed overtime / 50% of non-guaranteed overtime income considered.

  • Maximum Age

    No maximum age - however, if over 75 years the ability to fund past 65 needs to be evidenced.
  • Historic CCJ's & Defaults

    CCJ's/Defaults considered if registered in the last 3 years so long as satisfied at lender DIP stage

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