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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Not sure what applies to you?
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.
Frequently Asked Questions
Average adviser response: within 15 minutes during business hours. We'll call or message today where possible.
Not sure if your situation fits mainstream lenders? Describe your case briefly. We'll tell you what's realistic before any application.
Let's review whether you meet lender criteria
Free adviser assessment • No credit search • FCA regulated
Struggled to get approved elsewhere? We specialise in complex cases including CCJs, self-employed income, and declined applications. Over 90% of our clients had concerns about their situation before speaking to us.
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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).