95% LTV
| LTV | Product Type | Rate | Fee | ERC | Loan amounts | Reversion rate | Product code | |
|---|---|---|---|---|---|---|---|---|
| 90% | 2 years fixed | 7.14% | £995 | 4%, 3% |
£50,000 min loan |
8.74% | 02816 KRES2406 | Apply |
| 90% | 5 years fixed | 6.79% | £995 | 4%, 4%, 3%, |
£50,000 min loan |
8.74% | 02817 KRES2406 | Apply |
| 95% | 2 years fixed | 7.59% | £995 | 4%, 3% |
£50,000 min loan |
8.74% | 02818 KRES2406 | Apply |
| 95% | 5 years fixed | 7.19% | £995 | 4%, 4%, 3%, |
£50,000 min loan |
8.74% | 02819 KRES2406 | Apply |
85% LTV
90% LTV
| LTV | Product Type | Rate | Fee | ERC | Loan amounts | Reversion rate | Product code | |
|---|---|---|---|---|---|---|---|---|
| 75% | 2 years fixed | 6.64% | £995 | 4%, 3% |
£50,000 min loan |
8.74% | 02820 KNPA2406 | Apply |
| 75% | 2 years fixed | 6.64% | 0.25% | 4%, 3% |
£1,500,000 min loan |
8.74% | 02821 KNPA2406 | Apply |
| 75% | 5 years fixed | 6.29% | £995 | 4%, 4%, 3%, |
£50,000 min loan |
8.74% | 02822 KNPA2406 | Apply |
| 75% | 5 years fixed | 6.29% | 0.25% | 4%, 4%, 3%, |
£1,500,000 min loan |
8.74% | 02823 KNPA2406 | Apply |
| 85% | 2 years fixed | 6.89% | £995 | 4%, 3% |
£50,000 min loan |
8.74% | 02824 KNPA2406 | Apply |
| 85% | 2 years fixed | 6.89% | 0.25% | 4%, 3% |
£1,500,000 min loan |
8.74% | 02825 KNPA2406 | Apply |
| 85% | 5 years fixed | 6.54% | £995 | 4%, 4%, 3%, |
£50,000 min loan |
8.74% | 02826 KNPA2406 | Apply |
| 85% | 5 years fixed | 6.54% | 0.25% | 4%, 4%, 3%, |
£1,500,000 min loan |
8.74% | 02827 KNPA2406 | Apply |
| 90% | 2 years fixed | 7.34% | £995 | 4%, 3% |
£50,000 min loan |
8.74% | 02828 KNPA2406 | Apply |
| 90% | 2 years fixed | 7.34% | 0.25% | 4%, 3% |
£1,500,000 min loan |
8.74% | 02829 KNPA2406 | Apply |
| 90% | 5 years fixed | 6.89% | £995 | 4%, 4%, 3%, |
£50,000 min loan |
8.74% | 02830 KNPA2406 | Apply |
| 90% | 5 years fixed | 6.89% | 0.25% | 4%, 4%, 3%, |
£1,500,000 min loan |
8.74% | 02831 KNPA2406 | Apply |
80% LTV
85% LTV
| LTV | Product Type | Rate | Fee | ERC | Loan amounts | Reversion rate | Product code | |
|---|---|---|---|---|---|---|---|---|
| 75% | 2 years fixed | 7.24% | £995 | 4%, 3% |
£50,000 min loan |
8.74% | 02832 KNPC2406 | Apply |
| 75% | 5 years fixed | 7.09% | £995 | 4%, 4%, 3%, |
£50,000 min loan |
8.74% | 02833 KNPC2406 | Apply |
| 80% | 2 years fixed | 7.39% | £995 | 4%, 3% |
£50,000 min loan |
8.74% | 02834 KNPC2406 | Apply |
| 80% | 5 years fixed | 7.24% | £995 | 4%, 4%, 3%, |
£50,000 min loan |
8.74% | 02835 KNPC2406 | Apply |
| 85% | 2 years fixed | 7.79% | £995 | 4%, 3% |
£50,000 min loan |
8.74% | 02836 KNPB2406 | Apply |
| 85% | 5 years fixed | 7.54% | £995 | 4%, 4%, 3%, |
£50,000 min loan |
8.74% | 02837 KNPB2406 | Apply |
| LTV | MSV | Product Type | Rate | Fee | ERC | Loan amounts | Product code | |
|---|---|---|---|---|---|---|---|---|
| 75% | 90% | 2 years fixed | 6.44% | £0 | 4%, 3% |
£50,000 min loan |
02734 KSHO2403 | Apply |
| 75% | 95% | 2 years fixed | 6.54% | £0 | 4%, 3% |
£50,000 min loan |
02735 KSHO2403 | Apply |
| 75% | 100% | 2 years fixed | 6.64% | £0 | 4%, 3% |
£50,000 min loan |
02736 KSHO2403 | Apply |
| 75% | 90% | 5 years fixed | 6.14% | £0 | 4%, 4%, 3%, |
£50,000 min loan |
02737 KSHO2403 | Apply |
| 75% | 95% | 5 years fixed | 6.24% | £0 | 4%, 4%, 3%, |
£50,000 min loan |
02738 KSHO2403 | Apply |
| 75% | 100% | 5 years fixed | 6.34% | £0 | 4%, 4%, 3%, |
£50,000 min loan |
02739 KSHO2403 | Apply |
Revert rate: BBR + 3.49%
Bank of England Base Rate (BBR): 5.25%
Application fee: £145
Acceptable credit criteria
County court judgments (CCJ) or registered defaults
0 in the last 36 months*
- * These are acceptable where one of the following applies:
- • All CCJs/defaults were registered more than three years ago and satisfied prior to mortgage application.
- • All CCJs/defaults were satisfied more than 12 months prior to application regardless of date of registration.
Missed mortgage/secured loan payments
0 in the last 12 months and currently up to date.
Unsecured arrears
0 in the last 12 months and currently up to date.
Maximum status
Must be currently up to date. Maximum 2 down in last 24 months.
Debt management plans
Not acceptable.
IVA/DRO/bankruptcy
Not acceptable.
Repossessions
Not acceptable.
Max plan LTV
95%.
Revert rate: BBR + 3.49%
Bank of England Base Rate (BBR): 5.25%
Application fee: £145
Acceptable credit criteria
County court judgments (CCJ) or registered defaults
0 in the last 24 months*
- * These are acceptable where one of the following applies:
- • All CCJs and defaults must be paid prior to the application.
- • Ignore CCJ/default criteria: Less than £300 in total and satisfied.
Satisfied more than 12 months ago.
Registered more than 24 months ago whether satisfied or not.
Missed mortgage/rent arrears
0 in the last 12 months and currently up to date.
Unsecured arrears
2 in the last 12 months and currently up to date.
Maximum status
Currently up to date. Previous maximum status ignored.
Communication, utility and mail order
Performance ignored where the account balance is less than £500 (single or in aggregate).
Debt management plans
Satisfactorily conducted for minimum of 12 months.
IVA/DRO/bankruptcy
Not acceptable.
Repossessions
Not acceptable.
Max plan LTV
90%.
Revert rate: BBR + 3.49%
Bank of England Base Rate (BBR): 5.25%
Application fee: £145
Acceptable credit criteria
County court judgments (CCJ)
85% LTV
0 in the last 12 months (1 in the last 24 months)*
- * All CCJs must be paid prior to the application or must meet our ignore CCJ criteria.
80% LTV
0 in the last 6 months (2 in the last 24 months)*
- * All CCJs must be paid prior to the application or must meet our ignore CCJ criteria.
Defaults
85% LTV
0 in the last 12 months (1 in the last 24 months)*
- * All defaults must be paid prior to the application or must meet our ignore default criteria.
80% LTV
0 in the last 6 months (1 in the last 24 months)*
- * All defaults must be paid prior to the application or must meet our ignore default criteria.
Missed mortgage/ secured loan payments
85% LTV
0 in the last 12 months and currently up to date.
80% LTV
0 in 6 months and currently up to date.
IVA/DRO/bankruptcy
85% LTV
More than 6 years discharged.
80% LTV
More than 3 years discharged.
County court judgments and defaults ignored when one of the following applies
Less than £300 in total and satisfied.
Satisfied more than 12 months ago.
Registered more than 24 months ago whether satisfied or not.
Unsecured arrears
2 in the last 12 months and currently up to date.
Maximum status
Currently up to date. Previous maximum status ignored.
Communication, utility and mail order
Performance ignored where the account balance is less than £500 (single or in aggregate).
Debt management plans
Satisfactorily conducted for minimum of 12 months.
Repossessions
Not acceptable.
Max plan LTV
85%.
Client share: 10%-75% of the property value
Revert rate: BBR + 3.75%
Bank of England Base Rate (BBR): 5.25%
Application fee: £145
Acceptable credit criteria
County court judgments (CCJ) or registered defaults
None in the last 36 months. Must be satisfied prior to mortgage application.
- These are acceptable where one of the following applies:
- • All CCJs/defaults were registered more than three years ago and satisfied prior to mortgage application.
- • All CCJs/defaults were satisfied more than 12 months prior to application regardless of date of registration.
- • The CCJs/defaults in aggregate amount to less than £300, regardless of date of registration, and were satisfied prior to mortgage application.
Missed mortgage/rent arrears
In the last 12 months aren’t normally accepted but may be considered subject to individual case assessment.
Unsecured arrears
Not counted*
* Whilst unsecured arrears are not counted, we reserve the right to consider on a case-by-case basis as part of the full underwrite.
Individual voluntary arrangement (IVA) and discharged bankrupts
IVA/bankrupts who have been discharged over three years ago and who have no residual debt may be accepted subject to individual case assessment.
Repossessions
Not acceptable.
