A-Z Lending Criteria Guide

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To search for an item in the Society's Lending Criteria you can either:

  • Select the category - Residential, Buy to Let etc
  • You can then:
    • Search for key words - "BTL", "Income", "Self Employed" etc OR
    • Select the All or First Letter within the alphabetical filter

View archived changes to Lending Criteria.

Filter Lending Criteria Alphabetically:



Age Limits / Lending Into Retirement

Contractors e.g. IT / Management Consultants (Self Employed)

Credit Search / History

Deductions from Income / Outgoings

Financial Dependants

First Time Buyers

Fixed Term Contract (Employed)

Foreign Nationals

Foster Carers


ID Verification

Income (excluding Self Employed)

Self Employed / Limited Company

UK Nationals Working Overseas

Umbrella Companies


Acceptable / Not Acceptable

Flats - Residential

Maximum Loan To Values

New Build

Property Types

Rent A Room Scheme

Solar Panels


Valuation Fee Scale

Valuation Process



Capital raising for Debt Consolidation

Choosing a Solicitor

Direct Debits

Family Discounted Purchase

Gifted Deposit - Not Allowed on Buy To Let (BTL)

Help To Buy

Home Improvements


Interest Only

Let to Buy

Minimum Submission Criteria

Min/Max Loan Amount & Max LTV

Mortgage Offer Expiry Dates

Non-Borrowing Occupier

Payment Holidays and Overpayments


Purpose of Loan

Repayment Methods

Right to Buy

Scottish Applications

Skipton Home Conveyancing Service

Specialist Lending

Max Term

Trust Arrangements

TSM (Transfer Subject to Mortgage) Table