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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 or £150,000 in London postcode districts

  • 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

    Defaults 0 in 24 months CCJs 0 in 24 months

  • Property Value

    £120,000 (A small amount of flexibility on this between £100-£120,000)

  • Advance (min)

    £45,000 (A small amount of flexibility can be applied to the amount on referral sometimes)

  • Income

    Affordability Based no minimum Furloughed Employees – We will use the 80% or 100% if topped up by employer subject to an employment reference confirming that they will be returning...

  • Maximum Age

    Max Age AT Application - C & I 90 and Interest Only 89. (5 Year Term max at these ages)

  • Historic CCJ's & Defaults

    We are not an adverse lender but can consider 1 CCJ satisfied under £500 in the last 3 years. CCJ's are generally ignored if over 3 years old AND satisfied over 3 years ago Defaults must have been satisfied 3 years+ ago. 1 x Communication issue can be referred provided...

  • 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 - 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

    Core Product Range: - Defaults: 0 in last 24 months. CCJ’s: 0 in last 24 months. Secured Loan Arrears: 0 in last 24 months. Unsecured Arrears: Max status 2 in 12 last months. £500,000 max loan Unsecured Credit arrears acceptable if accounts now up to date (max status of 2...

  • Property Value

    £100,000

  • Advance (min)

    £40,000

  • Income

    £12,500 combined.

  • Maximum Age

    85 years old

  • Historic CCJ's & Defaults

    Defaults & CCJ's under £300 ignored , settled but registered between 24 and 36 months ignored – over £2,500 will refer on DIP, Max CCJ/Def £10,000

  • Property Value

    £75,000

  • Advance (min)

    £50,000

  • Income

    £18,000 minimum income required for the primary applicant

  • Maximum Age

    65 at the start of the mortgage term

  • Historic CCJ's & Defaults

    Clear: - Defaults - 1 (satisfied) in 36 months Value < £300 or telecom ignored (even if in last 6 months) Recency: 0 in last 6 months; > 36 months ignored CCJ's: - 0 in 36 months Value < £300 or telecom ignored (even if in last 6 months) Recency:...

  • 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. Up to 75% LTV, even for debt consolidation and not DTI ratio, and we also lend up to 70% interest only. 100% of benefit income is taken...

  • 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

    £75,000 minimum (£125.000 if Shared ownership)

  • Advance (min)

    £50,000

  • 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

    All CCJs & defaults must be paid prior to the application or must meet the ignore CCJ/default criteria Ignore CCJ/default criteria: 12 months prior to application OR registered >24 months whether satisfied or not. CCJs/Defaults: - 0 in 24* Secured arrears: - 0 in 24* Unsecured arrears: - 0 in...

  • Property Value

    £70,000

  • Advance (min)

    £25,001

  • Income

    Min income must be overall £18,000 per application. Employed Primary income can be made from basic salary. All other income will be looked at but not used for the affordability...

  • Maximum Age

    75 years

  • Historic CCJ's & Defaults

    CCJs • Don't need to be satisfied • Standard range no volume limits up to the total value of £2,500 • Can be registered as recently as 12 months ago Defaults • Don't need to be satisfied and no value limit • Can be registered as recently as 12 months...

  • 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

    £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

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