Residential Lending Criteria and SLAs

Use our A to Z tool below for details of our Residential Lending Criteria – click on the “A – C” or “D – K” etc to view the criteria headings. You will also see our SLAs when you click on any of the “A – C” or “D – K” tabs below.

Please note that the information in the Residential Lending Criteria is criteria and not a manual. If you have any queries, please contact the Mortgage Team on mortgages@reliancebankltd.com

 

Use our A to Z tool below for details of our residential landing criteria

A-C D-K L-N O-Q R-Z
  • Accountants projected income
  • Accountants reference
  • Adoption Allowance
  • Affordability calculator/Income Multiples
  • Affordable Housing Schemes
  • Age at Application
  • Age at end of Term
  • Agency Workers
  • Agricultural ties
  • Air BnB
  • Annexe
  • Applicant 2 Not employed
  • Architect's Certificate
  • Arrangement Fee Added to The Loan
  • Arrears - Secured Loans
  • Assignable Contracts
  • Attendance Allowance
  • Back to Back Purchase
  • Bankruptcy
  • Bank Statements
  • Barn Conversion
  • Basement Flat
  • Bedsits
  • Benefits Income
  • BISF Properties
  • Bonus
  • Bridging Loans/Finance
  • British National Working Abroad
  • Broker Fee Added to The Loan
  • Builder Incentives
  • Bursaries
  • Buy to Let
  • Cabin Crew
  • Capital & Interest Repayment
  • Capital Raising
  • Car Allowance
  • Certified Documents
  • Change of Usage
  • Child Maintenance as a commitment
  • Childcare Costs
  • Commercial Property
  • Commission Income
  • Commonhold
  • Communications
  • Concessionary Purchase
  • Consent to Let
  • Consumer Buy to Let
  • Contractors
  • Converted Flat
  • Convictions/Criminal Record
  • County Court Judgement (CCJ) - Satisfied/Unsatisfied
  • Credit Card Balance
  • Credit Commitments to be repaid
  • Credit Reference Agency
  • Credit Score
  • Custom Build
  • Day 1 Remortgage
  • Debt Management Plan - Current / Ongoing/Discharged
  • Debt Relief Order- Current / Ongoing/Discharged
  • Defaults - Satisfied/Unsatisfied
  • Deck Access
  • Dependant Relative
  • Deposit Gifted
  • Deposit - Acceptable
  • Deposit - Unacceptable
  • Diplomatic Immunity
  • Director Dividends
  • Director Loans
  • Discharged bankrupt
  • Discounted Market Value Sale
  • Distressed Sale
  • Doubling Ground Rent
  • Employed - Current Employment
  • Employer's reference
  • Equity Release
  • E-Signature
  • Ex Council/Local Authority
  • Ex Pats
  • Existing Borrower
  • Expenses
  • Exposure to Development or Postcode Area
  • Family Business
  • First Time Buyer - Max LTV
  • First Time Buyers (FTB) Definition
  • Flat - Above Commercial Premises
  • Flat Roof
  • Flying Freehold
  • Freehold Flats
  • Forces Personnel
  • Forces Help To Buy (HTB)
  • Foreign Currency
  • Former House of Multiple Occupation
  • Foster Carer's Allowance
  • Free Legal Incentive
  • Gambling
  • Green Deal Scheme
  • Guarantor Mortgages
  • Habitable
  • Hard / Soft Footprint
  • Heavy Refurbishment
  • Help To Buy Equity Loan Scheme (HTB)
  • Higher Lending Charge (HLC)
  • Houses of Multiple Occupation
  • Holiday Home
  • Holiday Lets
  • ID&V
  • Income - Nursing Bank Staff
  • Income - Health Insurance
  • Income - Industrial Injuries Disability Benefit
  • Income - Investment
  • Income - Large Town Allowance
  • Income - Lodger
  • Income - Mortgage Subsidy
  • Income - Overtime Guaranteed & Non Guaranteed
  • Income - Pension
  • Income - Shift Allowance
  • Income - Trust Funds
  • Income - Guardian Allowance
  • Income Verification
  • IVA Current/Discharged
  • Interest Only
  • Intermediary Product Transfer
  • Intermediary's Own Application
  • Investment / Property Clubs
  • IT Contractors
  • Japanese Knotweed
  • Joint Borrower Sole Proprietor
  • Key Worker Scheme
  • Land / Acreage
  • Large Loans
  • Lease Term
  • Lending into Retirement
  • Less than 12 months remaining on a credit commitment
  • Lifetime Mortgage
  • Light Refurbishment
  • Limited Liability Partnership (LLP)
  • Live / Work Unit
  • Loan Amount - Minimum
  • Local Authority Grant Scheme
  • LTD Company
  • LTD Company to a Sole Trader
  • Maintenance received
  • Manually Underwritten
  • Married Couple - Sole Application
  • Maternity / Paternity Leave
  • Maximum Loan
  • Minimum Income
  • Minimum Term
  • Minimum Time UK Resident
  • Mixed Use
  • Mortgage in joint names - Deeds in single name
  • Mortgage Offer Extension including for New Build property
  • Mortgage Term - Months
  • Multi Tenancy Agreement
  • Multi Unit Block (MUB)
  • Multi Unit Freehold Block (MUFB)
  • Mundic Block
  • Net Profit - LTD Company
  • New Build - Flat
  • New Build - Houses
  • New Build - Maximum LTV
  • New Build Incentives
  • New Build Warranties
  • New Build Off Plan
  • Non EU Foreign Nationals
  • Non Secured Arrears
  • Non Simultaneous sale and Completion
  • Non Standard Construction
  • Non UK Taxpayer
  • Number of Applicants
  • Number of Bedrooms
  • Number of Floors
  • Number of Kitchens
  • Number of Tenants
  • Occupiers - Non Borrowing
  • Offer - Validity
  • Offset
  • Outbuildings
  • Overage Clause
  • Overdraft
  • Overpayment Facility
  • Paid in Cash
  • Part and Part
  • Pay Bridging Loan
  • Payday Loans
  • Payment Holidays
  • Payslips
  • Pension Contributions
  • Period Properties
  • Piece/Price Work
  • Portfolio Landlord
  • Portfolio Landlord - Personal Income
  • Portfolio Landlord - Rental Assessment
  • Porting
  • Power Of Attorney
  • Pre Reinforced Concrete
  • Private Sale
  • Probationary Period
  • Product Split
  • Professional Sports
  • Proof Of Deposit
  • Proof of ID
  • Property Developers
  • Property Next Door
  • Property Value
  • Purchase At Auction
  • Purchase Below Market Value
  • Purchase For a Family Member
  • Re Inspection - New Build
  • Reduced Income
  • Regions
  • Remortgage - Business Purposes
  • Remortgage - Debt Consolidation
  • Remortgage - Home Improvements
  • Remortgage - Purchase Buy To Let
  • Remortgage - Purchase Equity Share
  • Remortgage - Shared Equity
  • Remortgage - Shared Ownership
  • Remortgage - Right To Buy Pre Emption (RTB)
  • Remortgage - Purchase Land
  • Remortgage - Staircasing
  • Remortgage - Help To Buy Equity Share (HTB)
  • Rent Arrears
  • Rent Room / Lodger
  • Rent to Buy
  • Rental Income
  • Repayment - Term
  • Repossession
  • Residential Mortgage to Remain
  • Restrictive Covenants
  • Retained Profit
  • Right To Buy
  • RIO
  • Rolled Up Interest
  • Salary Sacrifice
  • Sale and Rent Back
  • Seasonal
  • Second Charge
  • Second Charge Consent
  • Second Home
  • Second Job
  • Self Build
  • Service Charges
  • Shared Equity
  • Shared Ownership
  • Shared Ownership Min Share
  • Shared Ownership Cash back
  • Sharia Compliant Mortgage
  • Short Term Contract
  • Sitting Tenant
  • Solar Panels
  • Sole Trader
  • Sole Trader to Ltd Company
  • Split the Title Deeds
  • Steel Framed
  • Student Let
  • Student Loan
  • Studio Flat
  • Subcontractors
  • Sub-Sales / Reassignment of Sales Contract
  • Subsidence
  • Teachers
  • Temporary Work
  • Tied Accommodation
  • Timber Framed
  • Top Slicing
  • Transfer of Equity
  • Travel Costs
  • Trustee
  • UK Resident
  • Umbrella
  • Underpayments
  • Unencumbered Property
  • Unsecured Credit
  • Unsecured Loan Arrears
  • Utility Bills
  • Vacant Possession
  • Valuation Report
  • Vendor Gifted Deposit
  • Vested Share Income
  • Visa Held
  • War Widow Pension/Widows Pension
  • Widowed Parent Allowance
  • Wimpey No Fines / Laing Easi Form
  • Years Accounts
  • Zero Hours
The Salvation Army

We are proud to be the bank of The Salvation Army International. Find out more about our shared history.

We are proud to be the bank of The Salvation Army International. Find out more about our shared history.

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