Knowledge Base
Landbay
Lending Criteria
Lending Criteria
Loan Requirements
Special Edition additional criteria
Affordability
Applicants
Income
Property Criteria
Property Exclusions
Acceptable Tenancies
Unacceptable Tenancies
Valuations
Limited Company & LLP
Mortgage Exclusions
Legals
Insurance
LIBOR & BBR
Service and SLAs
Data & Privacy
Investors
Retail Investment
Innovative Finance ISA (IFISA)
Account Access
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Knowledge Base
Lending Criteria
Lending Criteria
Loan Requirements
Special Edition additional criteria
Affordability
Applicants
Income
Property Criteria
Property Exclusions
Acceptable Tenancies
Unacceptable Tenancies
Valuations
Limited Company & LLP
Mortgage Exclusions
Legals
Insurance
LIBOR & BBR
Service and SLAs
Data & Privacy
Investors
Retail Investment
Innovative Finance ISA (IFISA)
Account Access
Lending Criteria
Full details on our lending criteria
Loan Requirements
What is your minimum loan size?
What is your maximum loan size?
What is the minimum Property Value?
What kind of loans are available?
What is the maximum mortgage term?
What is the minimum mortgage term?
What is your minimum LTV?
What is your maximum LTV?
Deposits
Do you accept family gifted deposits?
Is your lending based on the purchase price or valuation?
What is your repayment type?
Do you provide remortgages?
Borrower exposure
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Special Edition additional criteria
Special Edition products criteria
Non-portfolio product criteria
Affordability
What is your minimum ICR?
What are the rules for your ICRs?
What are your maximum LTVs and ICRs?
How much can I borrow?
Applicants
Maximum applicants
Do you lend to First Time Landlords?
First-time buyer first-time landlord
Who can borrow from Landbay?
What are the applicant requirements?
Do you consider ex-pat?
What are your borrower/applicant exclusions?
Will you lend on consumer BTL?
Which credit check status do you use?
Do you consider any adverse credit?
What information do you need to process a mortgage?
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Income
What is the minimum income required?
What is the minimum income for a first-time buyer?
What documentation is required to confirm employment and self-employment?
What is the minimum employment duration?
What is acceptable and unacceptable income sources?
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Property Criteria
Do you have a restriction on the number of floors in a block of flats?
What countries do you lend in?
What kind of property tenure is acceptable?
What is the maximum property exposure?
What types of properties are acceptable?
Does the property have to be ready to rent?
Do you accept MUFBs & HMOs?
What are the requirements for a multi-unit property?
Do you accept properties above or adjacent to commercial properties?
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Property Exclusions
What properties do you exclude?
Properties that have benefited from a Rental Guarantee incentive
Acceptable Tenancies
What kind of tenancy is acceptable?
Unacceptable Tenancies
What type of tenancies do you not accept?
Can I get an owner-occupier mortgage with Landbay?
Valuations
How do your valuations work?
Can I supply a valuation report with my application?
Limited Company & LLP
Do you lend to trading limited companies?
Do you lend to limited companies?
Limited company portfolio criteria
Limited company non-portfolio criteria
Are Personal Guarantees needed for company applications?
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Mortgage Exclusions
What are your mortgage exclusions?
Do you consider lending on Shared Ownership, Help to Buy or Right to Buy schemes?
Will you consider second charge lending?
Can I get a bridging or development loan from Landbay?
Will you do refurbishment loans?
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Legals
Solicitors and legals
Insurance
Title Indemnity Insurance
Buildings insurance
LIBOR & BBR
Do you use Basic Bank Rate (BBR)?
What is LIBOR (London Interbank Offered Rate)?
Service and SLAs
How can I apply?
What are your SLAs?
Who manages my mortgage?
How can I contact your lending team?
When will the cashback be paid?
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