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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
Glossary
Products
Data & Privacy
Investors
Retail Investment
Innovative Finance ISA (IFISA)
Account Access
Broker Portal
Registration
Login
My cases
Supporting documents
Case managers
Application - General
Application - Decision in Principle
Application - Application form
Application - Direct debit mandate
Application - Submission
Application - Portfolio submission
Automated valuation models
Identity verification
Other
Existing borrowers
General
Products and BTL Calculator
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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
Glossary
Products
Data & Privacy
Investors
Retail Investment
Innovative Finance ISA (IFISA)
Account Access
Broker Portal
Registration
Login
My cases
Supporting documents
Case managers
Application - General
Application - Decision in Principle
Application - Application form
Application - Direct debit mandate
Application - Submission
Application - Portfolio submission
Automated valuation models
Identity verification
Other
Existing borrowers
General
Products and BTL Calculator
Lending Criteria
Full details on our lending criteria
Loan Requirements
How much can I borrow on a like-for-like remortgage product?
For a like-for-like remortgage, what documents will I need to provide to evidence the balance?
On a like-for-like remortgage, can I add the product fee to the loan?
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
See more
Special Edition additional criteria
Product-specific non-portfolio landlord criteria
Affordability
How do you stress test tracker products?
What is your minimum ICR?
What are the rules for your ICRs?
What are your maximum LTVs and ICRs?
How much can I borrow?
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Applicants
Who do you accept Direct Debit Mandates (DDM) from?
First-time HMO or MUFB landlords
Repeat application requirements
Do you accept capital raising?
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?
What are your borrower/applicant exclusions?
Which credit check status do you use?
Do you consider any adverse credit?
What information do you need to process a mortgage?
Do you accept expatriates?
Can a broker submit their own mortgage application?
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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
What is your minimum property size?
Green mortgage product range criteria
Do you have a restriction on the number of floors in a block of flats?
Which providers do you accept a new build warranty from?
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?
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 I cancel a valuation, late cancellation fees or failed property access?
How do your valuations work?
Can I supply a valuation report with my application?
AVM product criteria for automated property valuation
Valuation retentions
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Limited Company & LLP
Do you lend to trading limited companies?
Do you lend to limited companies?
What is your limited company portfolio criteria?
Limited company small portfolio landlord criteria
Are Personal Guarantees needed for company applications?
What are the requirements for inter-company loans?
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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
Expired offers or changing products after an offer is made
Do you require a first legal charge on the property?
Where can I find your solicitor panel?
Can you recommend a solicitor firm?
What type of solicitor representation is acceptable?
Can I change solicitor post-offer?
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Insurance
Do you offer Title Indemnity Insurance?
Buildings insurance
LIBOR & BBR
Do you use Bank Base Rate (BBR)?
What are your reversion rates?
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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Glossary
What is an ERC?
Products
Rate eligibility period
What happens if you withdraw products?
Like-for-like remortgages