Mortgage Conveyancing
Livesp-01 · Lender Handbooks, FCA Regulations & Workflow Tools
Comprehensive mortgage intelligence: 100+ UK lender handbooks, FCA regulatory content (MCOB, PRIN, SYSC), suitability reports, affordability calculators, and compliance checking. Every answer cites the relevant source.
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About this specialist
Mortgage Conveyancing combines 100+ UK lender handbooks with FCA regulatory content to power end-to-end mortgage advice workflows. Current capabilities: instant lender criteria matching — income types accepted, credit history requirements, property restrictions, age limits, and LTV constraints. Every answer cites the relevant handbook section, lender, or FCA rule reference.
Data sourced from the UK Finance Mortgage Lenders' Handbook (Part 2) and FCA Handbook (MCOB, PRIN, SYSC). Covers the Big 6 banks, building societies, specialist lenders, and challenger banks. Planned workflow tools: Suitability Report Generator, Affordability & Stress Test Calculator, Consumer Duty Compliance Checker, and Protection Gap Analysis.
Data Sources
100+ lenders · Updated quarterly| Source | Status |
|---|---|
UK Finance Mortgage Lenders' Handbook Part 2 · Per-lender criteria sections |
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Client Rate Sheets Broker-uploaded, per-deployment |
On upload |
See it in action
Real examples of cited answers from the Mortgage Conveyancing 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.