Mortgage Lender CriteriaAdviser Research Database
Used by our advisers to assess lender suitability before any application is submitted. Covers 100+ UK lenders across adverse credit, self-employed, and specialist situations.
This is not a comparison tool — lender choice is always confirmed by an adviser.
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100+
UK Lenders Available
29 Years
Experience
5★
Reviews.io
- Criteria shown here is indicative only — lender policies change frequently
- Applications are never submitted based on this page alone
- We confirm suitability with current lender criteria before any application
- This database supports our advice process — it is not a self-service tool
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Lender criteria are complex and interlinked. Let us assess your situation properly.
Popular Scenarios
Criteria shown for illustration only — full assessment required before application
| Criteria | NatWest | HSBC | Santander | Barclays | Lloyds | YHF |
|---|---|---|---|---|---|---|
| CCJs in last 36 months | ||||||
| Defaults ignored after 36 months | ||||||
| Discharged bankrupt <6 years | ||||||
| Payday loans in last 12 months | ||||||
| Current debt management plan | ||||||
| Self-employed 1 year accounts | ||||||
| Zero-hours contracts | ||||||
| 100% benefits income | ||||||
| Concessionary purchase | ||||||
| Ex-local flat above 4 storeys | ||||||
| And many more specialist criteria... |
Not Sure Which Criteria Apply to You?
Every mortgage application is different. With 29 years of experience, we know exactly which lenders to approach for your specific circumstances.
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Our criteria database is maintained and reviewed by experienced mortgage advisers. Final lender selection is always based on a full assessment of your circumstances — we never submit applications based on indicative criteria alone.
Your Home Finance Ltd is authorised and regulated by the Financial Conduct Authority (FCA 989177).