Mortgage Conveyancing
Livesp-01-mortgage-criteria">
4,212
Sections Indexed
100%
Embedded
Current
Freshness
25 Feb
Last Pipeline Run
About this specialist
Mortgage Conveyancing searches the UK Finance Mortgage Lenders' Handbook Part 2 across 39 UK lenders. Covers property type restrictions (high-rise, ex-local, non-standard construction, flying freeholds), deposit source rules, leasehold terms, new-build warranty conditions, identity verification, valuation requirements, and post-completion duties. Every answer cites the relevant handbook section and lender.
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
39 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
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)