Residential mortgage lending criteria

All applications where any client is self-employed will be limited to 90% LTV

To find the information you need you can:

  • Use our lending criteria A to Z and click the letter you'd like to search for, or
  • Use the search bar and type in the word you're looking for.

If you'd like to view our residential lending criteria in PDF format, please download the lending criteria PDF under useful downloads.

The following sections have been added/updated:

Deposits

  • Added clarification on gifted deposit information requirements. 

Gifted deposit

  • Added clarification on gifted deposit information requirements. 

Proof of deposit

  • Added clarification on gifted deposit information requirements. 

Spray foam

  • Clarity added on if we lend on properties with spray foam insulation.