The Weirdest Lender Criteria That Can Trip You Up
Lender criteria can feel strange, here are the weirdest rules that trip buyers up, and how to prepare before you apply.
If you’ve ever wondered why getting a mortgage feels confusing, one big reason is this: every lender has its own rules. Some are logical, others seem downright bizarre. And the strangest part? A rule that blocks you with one lender could be completely fine with another.
Here are some of the weirdest lender criteria buyers come across — and what you can do to avoid being caught out.
Minimum property values
Some lenders simply won’t lend on properties under a certain value — often £50,000 or £75,000. That can rule out small flats, discounted sales, or certain areas.
Construction quirks
From thatched roofs to steel-frame houses, some lenders refuse unusual construction types. Even if the property looks perfect, the structure might raise a red flag.
Unusual income rules
One lender might take 100% of your bonus, another just 50%. Some accept overtime, others don’t. Self-employed? Expect even more variation in how income is calculated.
Age restrictions
Some lenders set strict maximum ages at the end of the mortgage term, which can limit options for older applicants.
‘Non-standard’ scenarios
Got multiple jobs? A zero-hour contract? Or relying on benefits as part of your income? Some lenders accept these, others won’t touch them.
The Bottom Line
Weird criteria can trip you up — but they don’t have to. Knowing how different lenders work means you can match your application to the right one.
Your home may be repossessed if you do not keep up repayments on your mortgage or other loan secured against it.
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Each lender balances risk differently. What’s acceptable to one may be too risky for another.
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Yes. Brokers know which lenders are flexible on things like income type or property construction.
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Not at all. It just means choosing the right lender matters even more.
