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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 emloyed
  • Architect's Certificate
  • Arrangement Fee Added to The Loan
  • Arrears - Secured Loans
  • Assignable Contracts
  • Assured Shorthold Tenancy Agreement
  • Attendance Allowance
  • Back to Back Purchase
  • Bankruptcy
  • Bank Statements
  • Barn Conversion
  • Basement Flat
  • Bedsits
  • Benefits Income
  • BISF Properties
  • Bonus
  • Borrow Back Facility
  • Bridging Loans/Finance
  • British National Working Abroad
  • Broker Fee Added to The Loan
  • Builder Incentives
  • Building Regulations
  • 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
  • Development Finance
  • Diplomatic Immunity
  • Director Dividends
  • Director Loans
  • Discharged bankrupt
  • 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
  • Fees Added to The Loan
  • 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
  • FTB or Home Mover
  • Free Legal Incentive
  • Furlough
  • 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 Guranteed
  • 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
  • Landfill
  • Large Loans
  • Lease Term
  • Lend Against Land
  • Lending into Retirement
  • Less than 12 months remaining on a credit commitment
  • Lifetime Mortgage
  • Light Refurbishment
  • Like for Like Remortgage
  • 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
  • Personal Finance - Business Purposes
  • Piece/Price Work
  • Portfolio Landlord
  • Portfolio Landlord - Personal Income
  • Portfolio Landlord - Rental Assessment
  • Porting
  • Postcode / Region
  • Power Of Attorney
  • Pre Reinforced Concrete
  • Private Sale
  • Probationary Period
  • Product Split
  • Product Fee Added to The Loan
  • 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
  • Regulated BTL
  • Remortgage - Business Purposes
  • Remortgage Cash Back
  • 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
  • Time Trading
  • Top Slicing
  • Total Aggregate Borrowing
  • Transfer of Equity
  • Travel Costs
  • Trustee
  • Tyneside Flat
  • 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

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

Reliance Bank Limited,
Faith House,
23 - 24 Lovat Lane,
London,
EC3R 8EB

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