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  Why Mortgages Direct?

Access the whole mortgage market.

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Mortgage Lending Criteria

 

Each lender will have their own lending criteria. The criteria are the rules that the mortgage underwriters will follow when they assess a mortgage application. The lending criteria for each lender will be quite detailed.

We have published some of the readily available information from some of the mainstream mortgage lenders.

We have not verified this information with the lenders. Ask your broker to confirm any aspects that are important to you.

The lending criteria listed is for residential home purchases. Different criteria will apply if the property is to be let or occupied by anyone other than the purchaser

Lenders will revise their lending criteria frequently. Please contact your mortgage broker to discuss any aspect that is important to you.

To establish your eligibility for a particular mortgage, please phone 08456 44 88 23 and speak to a mortgage broker. We have experience of dealing with all lenders and their particular requirements. Remember, we do not charge you any fees.

Please click on the following links:

Abbey

Alliance and Leicester

Bank of Ireland

Birmingham Midshires

Bristol and West

Cheltenham and Gloucester

Coventry

Halifax

Intelligent Finance

Leeds

Mortgage Express

Nationwide

Northern Rock

Platform

Royal Bank of Scotland

Scottish Widows

Standard Life

UCB Homeloans

Woolwich


 


 

  Adverse Credit
Mortgage or loan arrears, CCJ's and defaults may restrict your choice of lender. There are some things you can do which will help. more>>


  Self Certification
Self certification mortgages were introduced for those whose actual income exceeded their provable income. more>>
 
 

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Compare and apply for buildings and contents  insurance online >>
 
 
 
 

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