Criteria FAQs

On this page, we try to answer any of the questions you may have about our criteria that aren't covered in our criteria guide.

Yes, our DIP uses a soft credit search so it has no impact on the applicant's credit score or any future credit applications.

Our DIPs are valid for 30 days except where the product is withdrawn. When a product is withdrawn we'll send an email confirming any submission deadlines.

Our offers are valid for 90 days from the date the offer was issued. If your client doesn't complete within this timeframe you can apply for an offer extension. For details on this please see the next FAQ.

Yes, if your client is unable to complete within the original offer period (90 days from when the offer is issued) we can extend the offer.

In order to do this we will need a new employers reference and to carry out an up-to-date credit search, or for self-employed applicants, we will require the latest month's bank statement. We will also need the valuer to confirm the valuation remains unchanged.

Please note: 

  1. We only extend an offer
  2. The maximum time the offer can be extended is 30 days
  3. We can't extend an offer that has either more than or less than a week left before it expires

If your client doesn't meet the above criteria, then the application will need to be re-submitted.

We'll collect the application and valuation fee when you submit the application, this means there will be no delays once we're ready to instruct the valuation. If the case doesn't progress to valuation we'll refund this payment. The application fee is non-refundable.

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