Directory of Lending Criteria

The directory lists banks and building societies mortgage lending criteria. Please double click on the lenders logos in the first column next to the highlighted areas to be directed through to Lenders websites.

Lender	Max Advance (%)/ Max Mortgage (£000)	Max Multiplier 1st /2nd Income	Min/Max Term (Years)	First-time Buyers Plans	Min Excess Lease	Offset	Remortgage	Insrance: Tied or Independent	Buy-to-Let
Buckinghamshire Building Society Address High Street, Chalfont St. Giles, Buckinghamshire, HP8 4QB Telephone 0175 348 2100	75	4	5		65		75%	n/a
	500	2.5	30
Family Building Society Address Family Building Society, Ebbisham House, 30 Church Street, Epsom, Surrey KT17 4NL Telephone 03330 140141	95	afford	5		70		80%	n/a	n/a
	500	afford	40
First Direct Address 40 Wakefield Road, Leeds, LS98 1FD Telephone 0175 348 2100	90	afford	n/a		25		90%	Tied
	none	afford	40
Halifax is a division of Bank of Scotland PLC Address Registered in Scotland No.SC32700 Registered Office: The Mound, Edinburgh EH1 1YZ Telephone 0845 850 3705	90	afford	1		30		90%	Halifax Life
	7.5m	afford	40
Harpenden Building Society Address 9-11 Vaughan Road, Harpenden, Herts, AL5 4HU Telephone 0158 276 5411	75	refer	n/a		30		Tick	n/a
	neg	refer	neg
Hinckley and Rugby Building Society Address Upper Bond Street, Hinckley, Leicestershire LE10 1DG Telephone 0800 77 44 99	90	3.25	5		75		90%	n/a
	300	1 or 2.75 x joint	25
Holmesdale Building Society Address 43 Church Street, Reigate, Surrey, RH2 0AE Telephone 0173 724 5716	90	3.49	5		50		75%	Royal & Sun Alliance
	400	1 or 2.74 joint	30
HSBC Address 8 Canada Square, London, E14 5HQ Telephone 0800 49 4999	90	afford	n/a		25		90%	HSBC Life
	none	afford	40
Ing Direct Address 410 Thames Valley Park Drive, Reading, RG6 1RH Telephone 0800 678 1887	75	4	5		30		75%	n/a
	1m	1	30
Nationwide Address Nationwide House, Pipers Way, Swindon, SN38 1NW Telephone 0800 30 20 10	95	4.1	refer		30		985%	n/a	The Mortgage Works
	1m	4.1	40
Ncbs Building Society Address 30 Church Street, Epsom, Surrey, KT17 4NL Telephone 03300 243414	75	afford	5		70		80%	n/a
	500	afford	40
Newcastle Building Society Address Portland House, New Bridge Street, Newcastle Upon Tyne, NE1 8AL Telephone 0191 244 2000	90	4	2		refer		90%	Norwich Union
	500	1	35
Post Office Address 1 Temple Quay, 1 Temple Back East, Temple Quay, Bristol, BS1 6DX Telephone 0800 707 6206	90	4.5	10		70		90%	Independent
	1m	1 or 4x joint	retire
Principality Address PO Box 89, Principality Buildings, Queen Street, Cardiff, CF10 1UA Telephone 0800 678 1000	95	afford	5		30		95%	Multi-Tied
	refer	afford	35
Saffron Building Society Address Saffron House, 1A Market Street, Saffron Walden, Essex CB10 1HX Telephone 0800 072 1100	95	afford	5		50		90%	N/A
	refer	afford	40
Scottish Widows Address PO Box 12757, 67 Morrison Street, Edinburgh EH3 8YD Telephone 0345 845 0110	90	4.75	5		70		90%	n/a
	none	x joint	40
Stafford Railway Address 4 Market Square, Stafford, ST16 2JH Telephone 01785 223212	90	afford	5		75		90%	n/a
	500	afford	30
Universal Building Society Address Universal House, Kings Manor, Newcastle Upon-Tyne, NE1 6PA Telephone 0191 232 097	95 80	3.25 +1 3+1	5		35		95%	Norwich Union
	500 500	2.75 x joint 2.5 x joint	35
Yorkshire Bank Address 20 Merrion Way, Leeds, LS2 8NZ Telephone 0800 202 122	85	refer	5		50		95%	Norwich Union
	none	refer	25
Yorkshire Building Society Address Yorkshire House, Yorkshire Drive, Bradford, BD5 8LJ Telephone 0845 120 0100	(£000) – £1m 75% LTV	4	5		35		85%	Tied or Ind please delete tied & put in n/a. No need for proof Felix.
	refer	4	35

KEY

The following key describes abbreviated terms
frequently used in the directory of lenders: