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

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