Applicant criteria
Minimum age: 25
Maximum age: 85 at end of term
Private ownership: Up to 4 applicants
Limited companies: Up to 4 directors
Not accepted. First-time buyers are individuals who’ve not owned a UK property within the last 18 months.
Up to date and no more than status 3 ever and explanation provided as to the background of the arrears event.
Related words: acceptable adverse, accepted
Must be satisfied or settled in full and explanation provided as to the background for the arrears event
Related words: acceptable adverse, accepted
Must be satisfied or settled in full and explanation provided as to the background for the arrears event.
Related words: acceptable adverse, accepted
Not accepted.
Related words: unnacceptable
Not accepted.
Related words: unacceptable adverse
Not accepted.
Related words: unacceptable adverse
Not accepted.
Criminal convictions must be spent, as defined under the Rehabilitation of Offenders Act.
Related words: Criminal record, adverse
We require two years of UK residential address history.
Related words: residency, nationality, expat, foreign national
EU citizens are acceptable, providing they have two years of UK residential address history and must provide valid evidence that a settled status has been granted under the EU Settlement Scheme.
A pre-settled status can be considered, where there is more than one applicant and at least one applicant has either a settled status or indefinite rights to reside in the UK.
The evidence can be a Residence Card or via the View and Prove Your Immigration Status Online Checking Service provided by the UK Home Office. To use the UK Home Office checking service, the applicant must obtain and provide a ‘Share Code’ that will allow us to check the applicant’s settlement status. Visit https://www.gov.uk/view-prove-immigration-status.
A UK Government Home Office letter confirming settlement status cannot be used as evidence.
Related words: residency, nationality, expat, foreign national
Non-EEA nationals must have been resident in the UK for the last two years and have permanent rights to reside in the UK.
Related words: residency, nationality, expat, foreign national
Not accepted if diplomatic immunity applies to immunity from UK law.
Related words: exemption, expat, foreign national
- Must have a minimum 12 months’ experience operating a buy to let property.
- Not available to first-time buyers and first-time landlords.