Minimum property value change - now from £75,000

29 Apr 2026

From today, Wednesday 29 April, we're lowering the minimum property value across both our Owner Occupier and Buy to Let products.

Minimum property value: now from £75,000*
(*Minimum property values vary by product)

Reduced from £120,000, this change gives your clients more choice, supporting buyers and landlords purchasing lower value properties, particularly in areas where property prices typically fall below £120,000.

Updated criteria

Standard Owner Occupier & Buy to Let (BTL):

  • Minimum property value: £75,000; (was £120,000)
  • Minimum loan amount: £45,000 (no change).

Family Mortgage:

  • Minimum property value: £75,000; (was £120,000)
  • Minimum loan amount: £60,000 (was £96,000).

RIO (Retirement Interest-Only):

  • Minimum property value: £90,000; (was £120,000)
  • Minimum loan amount: £45,000; (no change).

SEARCH OUR CRITERIA

Contact us

Our team of BDMs now cover the whole of England, Wales and Scotland, and are all ready to answer your queries and guide you through the application process.

Affordability Calculator

Find out how much your residential client may be able to borrow. To see affordability for a Buy to Let client, use our Buy to Let calculator

Find Your Local

Business Development Manager

Your Local BDM:

Sam Morrison

Working out of our head office, as our phone-based BDM in Epsom, Sam has a wealth of knowledge regarding our processes and criteria and covers a variety of postcodes across the UK.
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Your Local BDM:

Neil Cadwallader

Neil has over 19 years experience in Financial Services. Neil focuses around South Wales and the West of England area. Contact Neil for help with your clients' mortgages.
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Your Local BDM:

Stuart Heavens

Stuart focuses on the South Coast area. Contact Stuart for help with your clients' mortgages.
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Your Local BDM:

Amar Mashru

Amar focuses on the Central London area. Contact Amar for help with your clients' mortgages.
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Your Local BDM:

Arif Kara

Arif was previously a mortgage adviser, and focuses on North and West London. Contact Arif for help with your clients' mortgages.
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Your Local BDM:

Nathan Waller

Nathan, previously a mortgage broker, focuses on Cambridgeshire, East Sussex, Essex, Suffolk, Hertfordshire, Bedfordshire, Lincolnshire, Norfolk and Kent. Contact Nathan for help with your clients' mortgages.
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Your Local BDM:

Gina England

Gina has a vast amount of experience with both simple and complex lending solutions. If you're in the East or West Midlands, please contact Gina for help with your clients' mortgages.
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Your Local BDM:

Paul Roberts

Paul has over 30 years' experience and focuses on the North (inc. M62 corridor), Yorkshire and the North East. Contact Paul for help with your clients' mortgages.
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A new BDM will be covering your area soon. In the meantime, our experienced business support team are on hand to support you with any applications, case updates or any queries you may have.

Opening hours: Monday - Friday: 9am - 5.30pm. Saturday: Closed

We may record any telephone calls we have with you in the interest of staff training, monitoring customer service or for security purposes.

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