Do's and Don'ts

We do all we can to ensure that our customers receive the same dedicated, reliable service which has been the bedrock of Leek United for over 150 years.

Here's some information on what we do and don't do.

For any further clarification please contact the Intermediary Mortgage Team on 0808 281 9309.

 

What we do   What we don't do
1. Residential and Buy to Let mortgages in England, Wales and the Isle of Wight   1. Residential & Buy to Let mortgages in Scotland
2. Mortgage term from 5 years to a maximum of 35 years   2. Commercial lending
3. Standard income multiple of 4.5 x main income or joint salary   3. Bridging Finance
4. Residential mortgages for applicants from the age of 18   4. Debt consolidating above 30% of the property value up to 75% of the Loan to Value
5. Buy to Let mortgages available to applicants from age 21 with no maximum age up to maximum 75% Loan To Value   5. Mortgages where proven affordability cannot be evidenced when stress tested
6. Lending on leasehold flats and maisonettes subject to further lending criteria being met.   6. Mortgages to UK nationals who are not residing in the UK (ex patriots)
7. Applicants who are employed full or part time and continuously employed for the last 6 months   7.  Undischarged bankrupts.
8. Self Employed applicants who can provide their latest two years accounts or tax returns   8. Applicants who have taken out a pay day loan within the last 2 years
9. Right to Buy mortgages   9. Interest only mortgages on residential properties
10. New build property up to 90% Loan to value subject to our Lending Limits   10. Self build properties
contact the team