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Do's and Don'ts We're always on hand to assist

Dos 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 offer and don't offer - to deliver the best financial products for our customers and their circumstances.

Whether you are a first time buyer moving onto the property market for the first time or looking to move your existing mortgage - our experienced team of Qualified Mortgage Advisers are on hand to offer support, and are available to discuss your options in branch or over the telephone.

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 30 years 2. Commercial lending
3. Standard income multiple of 4.25 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.
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 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 have been continuously employed for the last 6 months 7. Applicants who have recieved a Bankruptcy order
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. Lending on new build property up to 90% Loan to value subject to our Lending Limits 10. Self build properties