Mortgage Criteria
Betasp-01 · UK Finance Mortgage Handbooks
Automate lender matching across 100+ UK lenders. Income types, credit history, property restrictions, age limits — every answer cites the relevant handbook section.
Beta: This specialist is in active development. Lender coverage and criteria accuracy improving each quarter.
100+
Lenders
100%
Embedded
Current
Freshness
Feb 2026
Last Pipeline Run
About this specialist
The Mortgage Criteria specialist automates lender matching across 100+ UK lenders using the UK Finance Mortgage Lenders' Handbook Part 2. Input client circumstances and get instant criteria matches — income types accepted, credit history requirements, property restrictions, age limits, and LTV constraints. Every answer cites the relevant handbook section and lender. Lender coverage expanding quarterly.
Data sourced from the UK Finance Mortgage Lenders' Handbook (Part 2), OCR-processed with automated change detection. Covers the Big 6 banks, building societies, specialist lenders, and challenger banks.
Data Sources
100+ lenders · Updated quarterly| Source | Status |
|---|---|
UK Finance Mortgage Lenders' Handbook Part 2 · Per-lender criteria sections |
Loaded |
Client Rate Sheets Broker-uploaded, per-deployment |
On upload |
See it in action
Real examples of cited answers from the Mortgage Criteria specialist.
Does Halifax accept gifted deposits from friends?
No. Halifax only accepts gifted deposits from immediate family members: parents, grandparents, siblings, or civil partners. The donor must provide a signed declaration confirming it is a gift with no repayment expected. Friends are explicitly excluded.
If the client has a gifted deposit from a friend, consider lenders with more flexible gifted deposit policies such as Accord or Nationwide.
Halifax Criteria Handbook, Section 3.2.4 (Q4 2025)Which lenders accept contractor income with less than 12 months' history?
Several lenders will consider contractors with under 12 months' history provided they can evidence a track record in the same field. Halifax and Nationwide will consider from 6 months in the same profession; Halifax uses the day-rate method (daily rate × 5 × 46 weeks).
Kensington and Precise are more flexible for newly contracted clients. IT contractors on fixed-term contracts are generally treated more favourably than ad-hoc freelancers.
UK Finance Lenders' Handbook · Multiple lender sections (Q4 2025)Ready to automate lender matching?
Criteria answers from 100+ UK lenders. Built for mortgage brokers, networks, and packagers who need fast, referenced lender matching.