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What types of properties do you finance?

We accept most standard freehold properties. We do not generally support:

  • Energy Performance Certificate (EPC) rating below E*
  • Auction properties, including traditional, online or modern methods
  • Leasehold or Share of Freehold Properties
  • Flats & Properties in high-rise buildings
  • Non-standard construction properties
  • Properties requiring structural work or major maintenance
  • Properties less than 5 years old, or more than 80 years old
  • Properties with a medium risk or higher of flooding or ground instability
  • Properties close to rivers, lakes or other watercourses
  • Properties close to train lines or major roadways
  • Properties close to working power lines 
  • Properties subject to Japanese Knotweed or Himalayan Balsam
  • Properties exposed to Asbestos or Radon
  • Properties with restrictions on sale
  • Properties with regular fees and charges deemed to be unreasonable
  • Properties to be purchased in conjunction with an established housing scheme
  • Properties with adjoining buildings or sections intended to be used as a separate living unit such as an annexe or a second kitchen
  • Properties with sitting tenants or with intended occupation
  • Properties adjoining another property owned by any of our customers

 

Please note this list is not exhaustive and the above are highlights from a much more detailed policy document. If you are unsure of any of a property’s features, it is imperative to ask us as soon as possible, as we cannot provide refunds for failed applications where we do not deem a property to meet our criteria.

From time to time, we may have to exclude certain postal areas due to various levels of risk.

*It is a requirement for all properties to have a minimum of Energy Performance Rating of C, so you will need to make all necessary improvements following completion if your property does not already meet this criteria. We will provide you with more information on the implications of this during your property application process.