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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. where proof of retirement age is supplied ****** When we are not using the second applicants income, the second applicants age...
  • 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. (£120,000 new build flats)

  • 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 2 months payslips show...

  • Maximum Age

    75 years Where appropriate, Kensington will generally be able to lend for terms up to a customer's State Retirement Age. However, where a customer is under 55 years and wishes...
  • Historic CCJ's & Defaults

    CCJs and Defaults Registered over 24 months ago can be ignored dependent upon the scheme - CCJ's have to be satisfied (no minimum time) – unsatisfied CCJ’s outside scheme criteria can be generally ignored but is at underwriters discretion. - Defaults do not have to be satisfied, all issues relating...

  • 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

    £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

    CCJs: Max 2 totaling £3,000 registered in 24 months (0 in 3). Defaults: 2 totaling £3,000 registered in 24 months (0 in 3). on Complex Prime Range. Refer to lender product guide for full details

  • Property Value

    £70,000

  • Advance (min)

    £25,001

  • Income

    Minimum income £18,000 per application (joint) - excluding ALL benefits and maintenance. If any income from self employment exceeds 25% of the total income being used within the affordability -...

  • 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 If the total amount of CCJs and defaults are equal to or exceed £2000 the case will be referred. CCJs and defaults registered more than 2 or 3 years ago, dependent on...

  • 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 self-...

  • Maximum Age

    70 years
  • Historic CCJ's & Defaults

    Cannot accept any in the last 3 years but flexibility to accept CCJ’s & Defaults in years 4, 5 & 6

  • Property Value

    £65,000

  • Advance (min)

    £25,001

  • Income

    No minimum income

  • Maximum Age

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

    See CCJ/Defaults and relevant section for adverse

  • 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

  • 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 1, No registered CCJ's OR Defaults worth £250 or more in the last 24 months. Vida 2, 1 Registered CCJ or 1 Defaults in the last 24 months ( 0 in last 12 months of £250 or more) Vida 3, 2 registered CCJs or Defaults in last 24 Months...

  • 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

    Defaults - 0 in 24 months across all products on secured lending. Defaults on unsecured lending are 0 in 24 months on products 1-6 On Products 7-9 they are 0 in last 6 months, 3 in last 24 months and max £1.5k in last 12 months ***** CCJs - Product...

  • Property Value

    Refer to minimum loan size

  • Advance (min)

    £75,000 (£70,000 for Shared Ownership) £1,000,000 for Large Loan Range

  • 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

    Ignored if registered more than 3 years ago and satisfied prior to application. Ignored if registered and satisfied prior to 12 months prior to application. Ignored if less than £300 regardless of date of registration. Must be satisfied prior to application.

  • Property Value

    £75,000

  • Advance (min)

    £50,000

  • Income

    No minimum income

  • Maximum Age

    75 years
  • Historic CCJ's & Defaults

    No mortgage arrears in last 24 months, Specialist product maximum of two months arrears in the last 24 months, with none in the last six months ******* Defaults and CCJ's ------- None in last 24 months , Specialist product A maximum of two CCJs/Defaults registered in the last 24 months...

  • Property Value

    £75,000

  • Advance (min)

    £50,000

  • Income

    No minimum income required

  • Maximum Age

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

    Defaults and CCJ's ignored for product selection purposes if registered over 3 years ago or less than £250. None allowed in last 6 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. **For the Professional Mortgage Range Saffron have an extended affordability. Applicants must be one of the acceptable professions. 100% of basic + guaranteed allowances 100%...

  • Maximum Age

    Trial of no maximum age currently on-going 75 years (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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