Lending policy
For product and policy enquiries call us on 0845 604 1206
Available Monday - Friday 9am - 6pm, Saturday 9am - 2pm
For support 24/7 try asking Claire a question
- Overview
- Age
- Term
- Personal deposit
- Family and gifted deposits
- Use of funds
- Maximum LTV
- New C&G mortgage customers
- Existing customer conversions
- Homeowner loans
- Income used
- Income verification
- Identification of the customer
- Lending into retirement
- Credit scoring
- Repayment methods for interest only mortgages
- Remortgages
- Residence in the UK
- Porting
- Income requirements
- Calculating affordability
- Policy requirements
- Property requirements
- Tenancy requirements
- Verification of rent
- Application on main residence where client also has buy-to-lets with Lloyds Bank Group (excluding HBoS) or another lender
- Capital raising
- Employed customers
- Gross basic income
- Total employed income
- Additional income and acceptable benefits
- Dividends
- Retirement income
- Self-employed income
- Rental income
- Special scenarios
- Construction
- Acceptable property types
- Unacceptable property types
- Properties with land
- New builds/new conversions and recently built/recently converted properties
- Tenure
- Auction and sealed bid properties
- Builders’ incentives
- Business use of property
- Customers not resident in property
- Customers with adverse credit
- Discounted purchases
- Expatriates
- Flying freeholds
- Foreign nationals
- Foreign nationals and buy-to- let/second properties
- Freehold flats and purchase of freehold
- Guarantors
- Holiday homes / Second homes
- Let to buy
- Lettings and release of land
- Local Authority or Housing Association - Incentive schemes
- Local Authority or Housing Association - Purchase of remaining share
- Multiple applicants
- Occupation by a relative
- Pied a terre
- Power of Attorney
- Right to Buy and other schemes
- Second properties
- Shared ownership
- Starter homes initiative for key workers
- Sub-sales and back-to-back transactions
- Temporary employment/short term/fixed term contracts and agency work
- Tied accommodation
23/07/10
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