We’re here to support you – COVID-19 FAQs

We are accepting:

• Residential purchase applications up to 90% LTV (95% LTV for first time buyers in Wales only – not available on new build properties, flats or maisonettes)
• Remortgage applications up to 85% LTV
• Buy to Let and Holiday Let applications up to 75% LTV

We will assess mortgage applications by only using the income that is currently being received by the applicant. We will also require written confirmation directly from the applicant’s employer confirming the date they will return to work, and whether their contractual arrangements will change.

If your customer needs ongoing support with their mortgage payments please contact the Intermediary Support Team on 0330 333 4021.

As a mutual, Member-owned organisation we want to help people stay in their homes for as long as possible and will do everything we can to help Members and customers who are facing financial difficulty. We understand this is a challenging time and there is likely to be great uncertainty for some of our Members who have taken a mortgage payment holiday now that the scheme has ended.

We want our Members to feel secure and will encourage them to be open with us in discussing their concerns and difficulties, so we can help them and tailor options according to their individual needs.

Yes. Unlike Mortgage Payment Holidays, any ongoing support maybe reported to credit reference agencies, and can adversely affect your customer's credit rating, which may affect their ability to obtain credit in the future. We are required to do this to give other lenders an accurate picture of your customer's financial circumstances.

Before a valuation is booked, the surveyor will complete an initial assessment with the occupier to determine whether it is safe for the physical valuation to be carried out. Access arrangements will be predetermined to ensure maximum safety for both the surveyor and the occupier.

Vacant properties:

• New Build - Connells will work with the HBF and RICS to develop protocols for valuation inspections on-site
• Second hand sales - there will be a risk assessed key collection or attended access

Occupied properties:

To minimise risk the following protocols will be followed for valuers attending occupied properties.

• Internal doors will be opened pre-inspection
• Loft hatches and ladder access will be facilitated pre-inspection

If you have a customer whose current deal is coming to an end and wants to transfer to a new product, they are able to proceed as normal. View our range of product transfer products.