Lending criteria

A comprehensive explanation of our lending criteria, including details of the mortgages appeals process.

Loan to value

The lending criteria and maximum loan to value (LTV) for all our mortgage products.

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Borrowing and mortgage term

The lending criteria for the amount of money borrowed, the mortgage term and any additional criteria that need to be met.

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Employment types

An explanation of Scottish Widows Bank's view of sustainable income, broken down by employment type and status.

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Foreign nationals

Our Foreign National Policy applies to applicants from outside the EU/EEA.

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Large loans

Although Scottish Widows Bank has an appetite for larger loan sizes, these can be restricted in terms of loan to value.

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Residential borrowing

Where additional properties - whether buy to let or holiday homes - are in the background, restrictions may be placed on new borrowing.

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Interest Only

A guide to our interest only lending policy.

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Remortgage incentives

Remortgage with Scottish Widows Bank and receive a free valuation, with free legal fees or £300 cashback. Restrictions Apply.

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Scottish Widows Limited. Registered in England and Wales No. 3196171. Registered office in the United Kingdom at 25 Gresham Street, London EC2V 7HN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 181655.

Scottish Widows Unit Trust Managers Limited. Registered in England and Wales No. 1629925. Registered Office in the United Kingdom at Charlton Place, Andover, Hampshire SP10 1RE. Tel: 0345 300 2244. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 122129.

HBOS Investment Fund Managers Limited, registered in England number 941082. Registered office in the United Kingdom at Trinity Road, Halifax, West Yorkshire HX1 2RG. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 119223.

Scottish Widows Bank plc, registered in Scotland no. 154554. Registered office in the United Kingdom at PO Box 12757, 67 Morrison Street, Edinburgh EH3 8YJ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 201601.

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