ZIP code. 5 years old around £500. However, to secure a good interest rate, most lenders will ask for a higher than usual deposit, typically 25% of the overall value of the property. P. If we can do this successfully, we won't request to see any proofs. If the CCJ is from Nov 2012 it will come off in Nov 2018. About Menu Toggle. 35 for 240 months. Getting a mortgage with a CCJ is possible, but you’ll need a cautious approach. Packaging guides. Yorkshire Building Society. hello@createfinance. The CCJ is removed from the public register and your. Why choose this provider? Robb McKinnon is a mortgage professional serving clients in the Fort Worth area. The larger your deposit, the more likely it is that specialist lenders are likely to be more flexible on how long you’ve. Get Your Best Mortgage Deal. You could be offered a different rate based on your personal circumstances. Remortgaging. Just wondering what are the chances of getting a mortgage with Natwest. ¶ 68. We represent a wide range of "A" rated lenders with first quality rates. GameStop Moderna Pfizer Johnson & Johnson AstraZeneca Walgreens Best Buy Novavax SpaceX Tesla. Some consumers may be able to pay what they owe immediately or set up a satisfactory payment plan with the creditor. 6K comments Most recent: Lights on a timer by Netexporter Today at 12:24AM. Whether you will be approved or not will come down to how long ago it was issued, whether it’s been settled, the debt amount and a few other factors. If the transaction is a gift, the UK gifts criteria will be followed. If you’re searching for a mortgage and are worried about a recent CCJ or. It is an action your creditors can take in the debt collection process. A CCJ is registered on you if you neglect to repay money for a loan or mortgage that you have signed an agreement to pay back. Full. I just received a county court claim form today for £3838. Hello guys, up until may this year i was in serious debt with o/s debts of £28K, but my parents kindly gave me the money to pay it back, i am paying them back every month, quite comfortably, anyway without digressing, My hubby and I would like to move, we have no o/s debts apart from the current mortgate, of which we have never missed a. That will limit you in terms of lenders. George and Katie went above and beyond. Mortgages are secured on your home. Defaults. Nationwide’s gross mortgage lending falls by over third YOY to £12. It’s nigh-on impossible to be approved for these with a CCJ. Case in point, borrowers with a debt management plan are usually rejected outright after the underwriters' hard credit check. Explore our comprehensive guide on securing a mortgage with a County Court Judgement (CCJ). Welcome To Nationwide Mortgage, Inc. Number of CCJs: having more than one (1) CCJ can severely limit mortgage options. Ready Mortgage Lenders is a Miami-based business that has been in operation since 2013. The maximum LTV for all online applications is 90% Applications with a loan size over £600,000 will be subject to additional lending rules, which may impact the maximum borrowing that we can offer. Saturday 8. Any 3rd party or cash transactions of £10,000 or more may be queried. Now, I'm 25 and worried sick about not being able to secure a mortgage. There are a few that might accept after 2 years clear, if you have no other adverse debt. uk. My partner had a default for £900 in 2011, settled in 2103 and we complete on our house purchase this week. Mortgage Application. Choose an expert. Skip to content. Account not listed here? Sign up for personal online account access, business online account access or call 1-888-891-0268. If interest rates increase by 1% an additional €53. Nationwide Deposit Unlock mortgage. Whether you get your mortgage application approved with a CCJ will depend on a few things. £362. . Our range of flexible mortgages are designed for all those with complex circumstances; for the entrepreneurs, the creatives, the self-employed and those on commission and bonuses. Business, Economics, and Finance. Here are some tips for getting a mortgage with a CCJ: Make sure you have a good credit score. But it was a struggle to get a mortgage at that time with these CCJ's and a 10% deposit. Finding a buy to let mortgage can be difficult at the best of times, and the process is made no easier if you have adverse credit or a CCJ registered against you. You can increase the length of your mortgage so you pay less each month. " If you fall within this, you will get the standard rate on offer. Overdrafts and credit cards are the best way to evidence borrowing and repaying. If Halifax agrees to the new loan you can take the. #ad #mortgage #createfinance Can I get a mortgage with a CCJ on my file? Will a County Court Judgement stop me getting a mortgage? In this video, Gindy and A. It is still possible to be approved for a mortgage, albeit with less favourable terms. CCJs are court order that exists in England, Wales, and Northern Ireland. co. Arkansas Real Estate. KPR (Nationwide) issuing CCJ. The lender will assume that you have to pay £600 per month for your credit card debt, and factor this into how much you can afford to pay on your mortgage. I wandered if a DMP would halt thye CCJ for 60 days and then as the other creditors are 83% of the debt Nationwide would have to go along with the majority. The bigger the deposit, the better access you’ll have to lower rates, and lower monthly payments. £500 a month for Nationwide mortgages set up between 1 February 2001 and 28 May 2013. 20 years. Depending on your current deal, you can apply to switch at any time without an Early Repayment Charge and keeping the same mortgage account number. gov. Find a mortgage expert in your region. Insurance. 95% on a mortgage of €100,000 is €603. Refinance. 99% with an arrangement fee of £999 for those buying through Deposit Unlock. Acceptable income and proofs required. Remortgaging. The application for a charging order always has two stages. "You have a. If the CCJ is registered within 30 days, you can contact the claimant and settle the payment. Gain insights into the impact of a CCJ on your credit report, options with specialist lenders, and the role of a mortgage broker. We can consider a maximum age at the end of the term of 75 years old for residential lending, however, where the mortgage term takes the borrower past either age 70 (before their 71st Birthday) or their. While this is a good guideline to follow, it’s not a hard and fast rule when refinancing a house. Having a CCJ on your credit file can make it harder to take out credit. Interest rates are at the highest they've been for many years, so getting the right mortgage can save you £100s each month. Welcome to Principality Intermediaries. Getting a mortgage with a CCJ 7 replies FooFighter99. Best Buy to Let Mortgages. Utilities aren't really considered borrowing. CCJs are also known as County Court Summons. Finding a buy to let mortgage can be difficult at the best of times, and the process is made no easier if you have adverse credit or a CCJ registered against you. Nationwide lenders provide competitive home loan products with second mortgages, refinance, debt consolidation, new home financing, FHA refinancing, hard money, jumbo and equity loans for homeowners with a complete range of credit types. Joint mortgage applications. The Team; Areas We Serve;Call 0808 189 2301 or make an enquiry online and we’ll pair you up with a mortgage expert who helps people who’ve been declined previously. Incidentally, that does not mean if you have larger value CCJs you cannot get a mortgage, but you should expect to have to accept a lower LTV – say 65% to 75%. Mortgage calculators. 7% in the 12 months to September, according to latest ONS data, leaving the Bank of England’s next interest rate decision hanging in the balance. Shared ownership. Acceptable income (sources) Acceptable loan purpose. Provides low down payment options, low closing costs, and flexible credit qualifications. A recent CCJ can make a mortgage application harder. Make multiple mortgage applications in a short amount of time. Panic. Green Home Mortgages New Build Mortgages. Courts also send details of new CCJs to the Registry Trust. As an example Nationwide are really strict - they ask "Have you ever had a CCJ against you", so even trying to get round the 6 year limitation period. Ar Satisfaction Mortgage. Regular savers earn 6% interest (HSBC, First Direct, M&S) Loans cost 2. This means that if one you is unable to pay your share of the monthly mortgage payment, the other. Uncover why Nationwide Mortgage Bankers Inc is the best company for you. There are two equity release options; Lifetime Mortgages (the most popular option) and Home Reversion. You can also speak to one of our mortgage experts by calling us at 1-855-755-9533, option 6. Making a payment is easy with Nationwide. Maximum of 4 rental properties can be mortgaged with The Society, whether Buy-to-Let, Holiday Let, HMO, or a combination (maximum £2m value) Minimum income requirement: Single applicant £40,000. A settled CCJ disappears from your credit file after six years, and there are plenty of lenders willing to take you on if this is the case. Mortgage with a CCJ. 99% with an arrangement fee of £999 for those buying through Deposit Unlock. And there could be further action taken to collect the debt. Acceptance will depend on the specific details of the CCJ amongst other considerations such as salary. To fill it in, you'll need to know: Your main income details. Halifax mortgage lending criteria. CCJs tell a mortgage provider that you may be a riskier investment than someone without one but, if the CCJ. Cambridge Building Society. Buy to Let Mortgages with CCJ. In January 2017 I applied for a mortgage with my partner,. Settle or Reach a Repayment Agreement with the Lender or through the Court. This means paying your bills on time and keeping your credit utilization low. You don't need to borrow immediately and a credit file with no other occurrences will show it was a one off and can be put down to ignorance. Repayment mortgages explained. credit score: 600 Loan term: 36 to 60 months Loan amount: $2,000 to $50,000 What to know: If you have a credit score of at least 600 and a personal annual income of more than $100,000, you may qualify for Best Egg’s lowest APR rates. Not showing as being on the electoral roll. If you have a CCJ then you may still be able to get the mortgage that you need. Inflation remained at 6. A recent CCJ can make a mortgage application harder. We’re the largest mortgage provider to offer 95% Loan to Value (LTV) mortgages without using the Government’s mortgage guarantee scheme. Having a mortgage application declined by a mainstream lender like Nationwide can be disheartening, but the good news is this doesn’t have to be the end of the line for your journey to homeownership. If you don’t repay, the creditor (the person or company you owe the money to) can ask the court to take steps to reclaim the debt. Forum Rules | Help. 19 March 2016 at 1:52PM in Mortgages & endowments. We use information collected by Bankrate, which is owned by the same parent company as CNET, to track daily mortgage rate. Who can apply. , we treat each customer as an individual, not a number. October 20, 2023. LegalsWhen you can switch mortgage online. Minimum age 18, UK residents only. Your lender likely lists interest rates as an annual figure, so you’ll need to divide by 12, for each month of the year. Teacher Sarah Arrowsmith and her fiancé Ross Tredger were poised to submit an offer on a home when she learned of the CCJ against her, The Mirror reported. 7. Do you have a CCJ and are struggling to get a mortgage offer? At ams: our expert advisers will help. Standard variable rate mortgages. In the future, you can apply for a new loan on another property. This capped the amount of money buyers could use from gifted deposits. A CCJ is issued to an individual who fails to make agreed payments on a debt. Hello So we have just got our credit files and it shows my husband has a CCJ from 5 years ago for £400 we didn't know about this. Call 888-546-2634 . Id. If you can’t repay you can ask the court to change the regular payments or suspend the order. 4% APR representative on loans between £7,500 and £25,000. Mortgages are subject to underwriting and criteria. If the CCJ is registered more than 30 days. 7 percentage points taking effect on Friday. 22 February 2016 at 10:32AM. Wiki User. As a result, getting a mortgage with a satisfied CCJ on your file has become a little more difficult. e. How to Get a Mortgage with a CCJ (County Court Judgement)If you are trying to get a mortgage but have a CCJ (County Court Judgement), this video will explain. 85 would be payable per month. IVA and Bankruptcies that have been discharged two years or more can also be accepted. George and Katie went above and beyond. The CCJ will be removed from your credit file. Including car, motorcycle, homeowners, pet, farm, life and commercial insurance. 70%; Representative Example: Mortgage of £120,000 on property valued at £200,000 over term of 25 years. Income & Budgeting. 0800 029 3757 Book Online NowIf the CCJ was registered in the past 2 years and are applying for a mortgage of 85% of the total property value, then the maximum CCJ allowable would be around £2,500. We can’t accept any missed mortgage payments in the last three months, or mortgages more than one month in arrears in the last three years. It doesn't automatically stop you getting a mortgage, but it does make it harder to build your case of being financially reliable. Given that the average score across the UK is around 759, that means you’ll definitely have a Very Poor credit score (anywhere from 0. But the satisfied CCJ was still enough for a big mark down on my Call Credit score - and Nationwide are one of the. Refinance. Our mortgages and second. Nationwide does offer mortgages to people with certain types of bad credit, such as county court judgements (CCJs), but others are a deal-breaker. If you're buying the property with a partner, affordability assessments may. - 18% have totally separate finances. Please see the below tables for the type of income and proofs we accept. Whether you will be approved or not will come down to how long ago it was issued, whether it’s been settled, the debt amount and a few other factors. You can use our calculator if you’re: a first time buyer. Our mortgage repayments calculator can help you find out how much your monthly mortgage repayments might be, or how a rate change could affect your repayments. 4 High pressure sales: regulated mortgage contracts, home reversion plans and regulated sale and rent back agreements 2. 5x. To find out what mortgage you can get with a CCJ contact us today for a free initial consultation. FACT CHECKED. I wouldn't worry too much now. When it comes to the deposit side of things, you’ll typically need to have around 15 to 20% of the total purchase price. Fixed-rate mortgages. The maximum you could receive is 29. We got a £90k mortgage with a CCJ. Payment Address: Nationwide Mortgage Bankers, Inc. Courts also send details of new CCJs to the Registry Trust. We’re at the forefront of new build lending, supporting your clients in buying from a wide selection of construction types . Hi, I just wanted to share my experience. A County Court Judgment, or more commonly known as a CCJ, is a court order in the UK that will be issued to you if you fail to pay back any money that you owe. Total amount repayable is €145,028. Read The Mortgage Works’ lending criteria for buy to let and let to buy mortgages. O. However, as the buy to let property market continues to develop, more and more lenders are beginning to consider approving investors with CCJs; this. By using our website you consent to all cookies in accordance with our. g. You can click Start your quote above, call us at 1-877-669-6877 or find a local agent to get started. Hi All Last year & in order to avoid court action being started against me by Nationwide BS, by their agents Shoosmiths, (I was advised on Get Out of Debt FreeUse our mortgage calculator to get a rough idea of what you could borrow - in just minutes. If your creditor has taken court action against you for a debt, they may have got a county court judgment (CCJ) or other court order against you. So, if your. All the information needed about the process can be found on Santander’s website. The other thing is how many CCJs you have. More about extending your term. Email. A county court judgment is a court order issued against a borrower who cannot repay their debts. Nationwide offers the loan with repayment terms between 1 and 7 years, and applicants can apply to borrow from £1,000 to £25,000. This time frame gives you essentially a minute and a. The Chancellor Jeremy Hunt has today (Wednesday 22 November) announced a range of tax, benefits and savings measures. Simply put, a legal charge on property is a document that converts your unsecured loan into a secured one. 2. Besides the general eligibility and affordability criteria set by mortgage lenders, CCJs come with specific conditions: Date of the CCJ: The recency of the CCJ is a critical factor. You could still take out a mortgage with a CCJ. Loo44 Forumite ForumiteNatwest mortgage with CCJ. This fact sheet tells you how a creditor can apply for a charging order against your home or any other property you have a part share in. A CCJ in the last 12 months should be no more than £1,000. Call 24/7. I have a CCJ for £297 registered three years ago which I satisfied 2 years ago. The Credit History question should be answered as ‘Yes' if any customer has had a County Court Judgement (CCJ) or default registered against them, or if self employed against their business, within the last 6 years. The order secures an outstanding loan of. 2. I have a 4 year old CCJ for £2700 that I obtained when I moved house and forgot to tell a credit card company. Don’t. Solicitor information. Having a CCJ recorded on your credit report could affect your ability to get credit in the future, including your ability to find a mortgage. Specialist Buy to Let Mortgage Broker. If you’re considering remortgaging your home but need help finding the right option for you, contact John Charcol. The answer is yes – but it may not be as easy as it was before. Mortgages & Homes. I had over 50% of the sale price (once the 1 bed was sold). Houses in Multiple Occupation criteria. 01332 742741. Mortgage With Ccj. Acceptable income and proofs required. is an unsecured creditor (the debt is not secured against your home unlike a secured mortgage). 2 year fixed rate. How to find a cheap mortgage. For any debt-related queries you’d like to discuss with us, please don’t hesitate to get in touch. Whether you get your mortgage application approved with a CCJ will depend on a few things. . Equity release is a mortgage product that allows you to access the money tied up in your home in the form of a loan. Its team can assist clients in changing their loans to either FHA, jumbo, fixed-rate, or adjustable-rate mortgages. Get a copy of your credit report and dispute any errors. To set up electronic payments for any future refunds: Log in to your Nationwide online account. Your agent will be happy to review the details with you. Nationwide Investment Services Corporation, member FINRA. We got our mortgage with Nationwide last year and had near identical circumstances. Nationwide offers loans on homes bought through the Deposit Unlock scheme up to £750,000, available through mortgage brokers. Nationwide Mortgage Bankers; 3 Huntington Quadrangle, Suite 403N; Melville, NY 11747; Toll Free: 833-700-8884; COPYRIGHT 2023 NMBNOW | ALL RIGHTS RESERVED |. What are mortgage income multiples? A mortgage income multiple is simply a multiple of your annual income, used by mortgage lenders to get an idea of the size of home loan you might be able to afford. However at First Choice Finance we have numerous lenders who understand that in some circumstances a CCJ should not stop you having access to mortgages, with lenders available offering competitive mortgages, remortgages and second mortgages for people with CCJ`s. 89%. Joint bank account use by couples (24,046 votes) Under-35s: - 21% have a joint bank account for everything. Navigate to Payment Preferences. Please help!!! - CCJ claim form for Nationwide debt on DMP. 9%. Any sooner and you can expect the same outcome. If you don't want to change the mortgage, seek a better Nationwide mortgage offer. This guide also provides valuable tips on improving your credit rating to increase your chances of mortgage approval. Finding a buy to let mortgage can be difficult at the best of times, and the process is made no easier if you have adverse credit or a CCJ registered against you. As an example Nationwide are really strict - they ask "Have you ever had a CCJ against you", so even trying to get round the 6 year limitation period. This was last August and things have obviously changed now but fingers crossed for you! Yes, it is possible to get a mortgage with a CCJ, but it can be more difficult than with a pristine credit report. Case in point, borrowers with a debt management plan are usually rejected outright after the underwriters’ hard credit check. MCOB regulated post completion. g. If you’ve got a CCJ (County Court Judgement) on your. 8 star rating on the App Store, based on over 564,500 reviews. 95% on a mortgage of €100,000 is €603. Failing that, you can still apply for a mortgage with a CCJ appearing in your credit history. 2) the SAP rating must be listed on the government register within 2 weeks of completion of your mortgage. uk. CALL US NOW 0121 4000 052. If you have a CCJ, lenders will assess the following: Date. For debts which are still outstanding, the financial amount of the CCJ can also have an impact on how the application is viewed. You must respond to the. Finding a buy to let mortgage can be difficult at the best of times, and the process is made no easier if you have adverse credit or a CCJ registered against you. P = the principal amount. At Nationwide Mortgage, Inc. A county court judgment (CCJ) can negatively affect your ability to get credit for up to six years. We offer mortgages if you're a first time buyer, moving home, remortgaging and more. It’s easy to find out if a CCJ has been made against you. Atlanta, GA 30348-5178 Correspondence Address: P. Enquire online or call us on 0203 725 5830. 070%, according to rates. Buy to Let Mortgages with CCJ. We specialise in providing independent mortgage advice on buy to let mortgages for investors – HMO’s, Limited Companies, Ex Pats, Let to Buy. CCJs-Will accept applicants after three years. In this guide, we will look at some of the factors you will need to know about before applying for a mortgage with a CCJ. Posted by Nationwide Newsnet | 23 Oct, 2023. Find out how The Money Hub can help you today. 09%. 8 years of CCJ & default. We are your trusted advisors, guiding you on your unique homeownership path. Call 1-800-848-6331 for investment/ financial help. Be prepared to explain the CCJ to the lender. Age 35-49: - 37% have a joint bank account for everything. See moreNationwide 90% Mortgage with 5-year-old CCJ. Failing to repay money after a CCJ has been registered against you can result in further action being taken, including bailiff action. How much can I borrow?Subject to underwriting guidelines, review, and approval. 01702 619 221. Temporarily change to interest only payments. Use this Historic Mortgage Comparison to get a quick comparison of house prices and mortgage interest rates from 1996-2010. In short, I have a regular ‘Good’ wage 5-10k a month, I have a mortgage with LTV less than 50%, I have a credit card with a limit of £1400 and zero balance, I don’t have an overdraft, I don’t have any loans, or outstanding credit (other than Nationwide’) I’ve lived in the same house for 18years, I’m on the electoral register, I. Getting a mortgage with a CCJ can be more difficult, but not impossible. Fee Free Mortgage Advice from the UK’s Best Mortgage Broker. Mortgage is Portable, Mortgage is Flexible, Under payments allowed. A CCJ will severely impact your credit score and credit history. So in that case, absolutely not, the Bankruptcy would not have been more detrimental to the OP than the CCJ. If they do not comply and I am stuck with a CCJ, what are my chances of securing a high street bank mortgage? Our budget is £350,000 and we currently have a. The monthly repayment on a 20-year mortgage with Loan to Value (LTV) greater than 80% with variable borrowing rate of 3. You currently owe £20,000 on your credit card. In this guide (13 articles) Mortgage types explained. 67%. 8 April 2021 at 10:06AM in Mortgages & endowments. even when it’s a high loan-to-value (LTV), should find it a lot easier to source a mortgage. Problem being that in 2016 I was issued with a CCJ for a debt I hadn't realised was outstanding (overpaid housing benefit which we contested and thought was sorted but obviously not!) Anyway, I spent 2 years paying off the debt and the CCJ is due to be marked as 'satisfied'. 24 October 2014 at 9:35AM. Pub, Restaurant Tip: Enter a postcode for a better match. #ad #mortgage #createfinance Can I get a mortgage with a CCJ on my file? Will a County Court Judgement stop me getting a mortgage? In this video, Gindy and A. According to customer review site Trustpilot, NatWest scores 1. switching your existing deal. Call us. This will harm your credit score even further. This website uses cookies to improve user experience. Buy to Let Mortgages with CCJ. 6K discussions 732. Acceptable deposit (sources) Acceptable Equity Share loan holders. co. Use the main board for electricity and gas, or explore the sub-boards for water and other fuels. Accountant's Certificate. Better to try after that. Sub-categories: Water bills LPG, heating oil, solid & other fuels. This can only happen if the creditor has already got a county court judgment (CCJ) for your debt. new Nationwide mortgage or you have 10 years or less remaining of the original term of this mortgage. Nationwide does offer mortgages to people with certain types of bad credit, such as county court judgements (CCJs), but others are a deal-breaker. Step 1 of 2. 04% 2 Year Fixed . And gifted deposits are now widely accepted again by lenders. The rules can be used for some secured loans that were taken out before 21 March 2016 , contact us for advice. We don't place you into a loan profile formula created by the banking industry. Thrugelmir Posts: 89,546 Forumite. Possibly, but unlikely, the creditor goes back to court to ask permission to enforce the debt and gives the court a good reason as to why they haven't bothered to enforce the debt in the last 6years. To be eligible for the cashback; 1) the property must have a Standard Assessment Procedure (SAP) rating as follows: a) properties rated 86 to 91 - £250 cashback. Buy to let. Here are a last few things to keep in mind: Trying to get a mortgage with a very recent CCJ may be hard, unless you were able to pay it off within 30 days and remove it from your record. Updated on November 24, 2023. He is the branch manager at the Republic State Mortage and has been in the industry for more than 24 years. If you do not respond, the court could set payments at a rate you cannot keep up with. About Menu Toggle. There must be evidence of at least one month's worth of savings built up in the account. 70%; Representative Example: Mortgage of £120,000 on property valued at £200,000 over term of 25 years. How much can I borrow?We got a mortgage this time last year with a 10% deposit 1 satisfied CCJ for £250 from 2016 and one unsatisfied for £450 from 2014. Our mortgage calculators can help work out what you could be paying each month, how much we might lend you or how long it could take you to save for an average priced home in your chosen neighbourhood. chelseablue Posts: 3,288 Forumite. Up to 70%. Find out what works well at Nationwide Mortgage Bankers Inc from the people who know best. However, as the buy to let property market continues to develop, more and more lenders are beginning to consider approving investors with CCJs; this. Eubank, as President and owner of Nationwide, and counsel for the Federal Trade Commission that: 1. The bigger the deposit, the better access you’ll have to lower rates, and lower monthly payments. They’re typically aimed at first-time buyers, but are available to other. Overdrafts and credit cards are the best way to evidence borrowing and repaying. Its remit includes bank accounts, credit cards, debt collection, irresponsible lending, PPI, investments, mortgages and loans, pensions and savings. A CCJ will drop off your file after 6 years but it is extremely unlikely you can avoid paying it. A home repossession. At Nationwide Mortgage, Inc. You can buy a home through shared ownership if both of the following are true: your household income is £80,000 a year or less (£90,000 a year or less in London) you cannot afford. The Registry Trust operate the public Register of Judgments, Orders and Fines . Learn the next steps to take and understand how to navigate this situation. We offer competitive residential and buy to let products with six-month extensions on new build offers. Use our online tools and mortgage calculators to work out what you can afford to borrow and how much your monthly payments could be with a. 6 stars based on over 4,800 reviews. Call us. This will help to improve your credit score. UK: 0345 609 25 30. Acceptable income (sources) Acceptable loan purpose.