BTL a-z criteria

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Accord

BTL a-z criteria

A

Acceptable forms of income
Acceptable deposit sources
Accidental landlord
Additional lending
Adverse credit
Age
Allowances

B

Benefits
Background BTL portfolio
Bankruptcy
Buildings insurance

C

Carer's allowance (CA)
CCJs
Child benefit
Compulsory purchase order
Concessionary purchase deposit
Concessionary purchase remortgaging
Cladding
Consumer BTL
Credit checks
Crypocurrency income
Cryptocurrency deposit

D

Debt consolidation

Debt management plans (DMP)

Deductions from income

Diplomatic immunity
Disability living allowance (DLA)

E

Energy performance

Energy performance certificate

Evidence of income

Estate rent charges

Evidence of income

Exposure limits

F

First time landlord
Fixed term contracts
Foster care income
Foster carers
Foreign nationals
Foreign income
Freehold flats or maisonettes
Freehold service charges
Flying freehold

G

H

I

Income
Indefinite leave to remain

Individual voluntary arrangement
Industrial injuries disablement benefit (IIDB)

Inherited properties

Interest coverage ratio

Inter-family purchases

Investment income

Investment groups

Isolated rural properties

J

Japanese knotweed

L

Land with planning permission

Lending into retirement

Length of tenancies

Let to buy (LTB)

Loan and LTV limits

M

Maternity income

Maintenance payments

Maximum portfolio lending

Modern methods of construction

Minimum property value

Min/Max loan size

Min/Max loan terms

Missed payments

N

NI Contributions based Employment Support Allowance (ESA)
New build

New build warranties

New build incentives

Number of borrowers

Number of tenants

O

Overriding interest

P

Partnership
Payday loans
Personal independence payment (PIP)
Portability
Portfolio landlord
Portfolio landlord definition
Portfolio lending limits
Pre-settled status
Property specifics
Properties with land and planning permission
Property above or below commercial
Property developers
Partially built property

R

Rental coverage
Rental value
Remortgages
Repayment strategies (Interest only)
Reports and retentions
Repossessions
Retirement income
Retirement lending
Retirement pension
Right to Buy

S

Salaried directors
Salaried income
Scottish Child Disablement Payment (CDP)
Sequestration
Self employed
Settled status
Social housing schemes
Solar panels
Sports professionals
Studio flats
Shared ownership
Shared equity
Sub sales

T

Tenancy limits
Tenure
Terms into retirement
Top slicing
Trust Deeds
Tyneside flats
Timeshare accommodation
Timber construction

U

Umbrella companies

Unacceptable applicants

Unacceptable deposit sources

Unacceptable properties

V

Vendor deposits

W

Warranties for new build
Widows pension
War widows pension
War disablement pension

Z

Zero hours contracts