Compare Lenders

How to Compare Criteria...

You can print or email the results to yourself!

Compare Criteria - Residential Mortgages

Filter Lenders

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

    £90,000 for core products £75,000 at 60% LTV for 3mc exclusives

  • Advance (min)

    £25,000

  • Income

    Minimum Primary Applicant Income – £15,000 pa Max DTI – 40% Max LTI – 4.50 up to max LTV, however, 6.00 to 60% LTV product range

  • Maximum Age

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

    CCJ's & Defaults: Note: must meet unsecured credit, secured lending and CCJ & default criteria to be considered, please refer to product guide. Assessed by number (whether satisfied or not) AND £-value. All CCJ’s and defaults will be ignored if under £300 Ignore if under £300 mail order or Communications....

  • 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

    £70,000

  • Advance (min)

    £25,001

  • Income

    Min income must be overall £18,000 per application, can include benefits. 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

    £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 able...
  • Historic CCJ's & Defaults

    Select: Defaults: 0 in last 36 months. CCJ’s: 0 in last 36 months. Secured Loan Arrears: 0 in last 36 months. Unsecured Arrears: Max status 2 in 12 last months. Residential (Core Range): Defaults: 0 in last 24 months. CCJ’s: 0 in last 24 months. Secured Loan Arrears: 0 in...

  • Property Value

    £70,000 £150,000 in London and South East

  • Advance (min)

    £25,000

  • Income

    £15,000 for applicant 1. No min income for applicant 2 Earned income and only 25% of income can be benefits. 100% basic / pension / Car allowance / 100% -...

  • 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

    RL1 0 in 48 months RL2 0 in 36 months maximum CCJ limit £2,500 RL3-4 0 in 24 months RL5 1 in 24 months RL6 3 in 24 months (0 in 6) with a max of 2 of any type RL7 5 in 24 months (0 in 6) with a...

  • 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

    £50,000

  • Advance (min)

    £20,000
    £25,000 for prime rates

  • Income

    No minimum income Age constraints are used when it comes to income - see criteria guide RE: income past the age of 70. If term goes past age 70, then...

  • Maximum Age

    85 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

    £75,000 or £150,000 in London postcode areas within the M25

  • Advance (min)

    £30,000

  • Income

    £15,000 (combined)

  • Maximum Age

    85 years
  • Historic CCJ's & Defaults

    None allowed Default Exceptions are on a case by case basis

  • Property Value

    £75,000

  • Advance (min)

    £50,000

  • Income

    No minimum income

  • Maximum Age

    75 years
  • Historic CCJ's & Defaults

    DEFAULTS: F1: 0 in 36; Unsatisfied defaults within the last 36m are accepted where the cumulative value is below £250 and relates to mail order, comms and utility payments. All other defaults must be satisfied. F2: 0 in 24; Unsatisfied defaults within the last 24m are accepted where the cumulative...

  • Property Value

    LTV dependent - if above 75% then minimum value is £111,112. £50,000 if LTV 75% or less).

  • 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).

    85% LTV for self-employed contractors trading for one year.

  • 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

    £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. 1 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 £100,000 for FTB’s on 90% LTV product Ex Local authority flats/maisonettes (80% LTV) £80,000 outside Greater London, £200,000 within.

  • Advance (min)

    £25,000

  • Income

    £15,000 for applicant 1, not joint.

  • Maximum Age

    Maximum retirement age for any applicant is 70 years. Plausibility for working to loan maturity should be evidenced in all cases. Vida as an interim measure, will not lend if...
  • Historic CCJ's & Defaults

    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 of £250 or more). No Unsatisfied CCJs Vida 3, 2 registered CCJs or Defaults in last...

  • 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. Must be settled. 1-12 months - £250 total. 13 – 24 months - £500 total. Do not consider arrangement to pay DMP - satisfied for at least 3 years, up to 80% LTV

Email These Results





The results have been successfully emailed to you.