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Lending criteria

M - R

Newly Qualified Professional Product

Available for First Time Buyers & Purchases up to 95% LTV. Applicants must be aged 18 or over. All loans are subject to status. Security will be required. Not available for business purposes.


One or more of the applicants must:

  • Have become fully qualified in the last 5 years
  • Be in one of the following occupations: Accountants, Architects, Barristers, Chartered Surveyors, Dentists, Medical Doctors, Pharmacists, Pilots, Solicitors, Vets
  • Have a current income of £40k or more.

The applicant must provide a scanned copy of their certification of full qualification within the chosen profession, dated within 5 years of application.

Enhanced Criteria

The products benefit from enhanced Criteria:

  • Up to 95% LTV for First Time Buyers or Home Movers
  • Up to 95% LTV with an enhanced maximum loan size of £600k
  • Enhanced income multiples available of up to 5.5x for eligible newly qualified professional applicants. For joint applications where only one applicant is a newly qualified professional, standard multiples apply to the additional applicant’s income. Subject to affordability assessment.


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