Residency and identity
Be prepared to confirm your UK residential address and provide the identity and address information requested by the broker or lender. The exact residence and address-history requirements depend on the product.
FINANCE ELIGIBILITY
UK finance eligibility. Before you apply.
Check the practical requirements before exploring finance. This guide is not an eligibility decision, a credit check or a promise of approval.
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BEFORE YOU APPLY
A few things
to think about.
Finance is a separate decision. Take time to understand the requirements and your own budget.
Explore finance eligibilityUK residency
Check the address and identity information required.
Affordable repayments
Consider your income and existing commitments.
Lender assessment
Credit is subject to status and individual approval.
INFORMATION THAT HELPS
The details that matter.
Income and affordability
Lenders assess whether repayments are affordable based on your income, commitments and circumstances. Employment status alone does not determine the result. Check the current application criteria rather than relying on an assumed income threshold.
Your credit circumstances
The lender decides what checks are needed and how credit history affects an application. Read the application disclosures before proceeding and ask the broker whether a particular step affects your credit file.
Nationality and language
Speak with the broker about the requirements that apply to your UK residence and circumstances. Nationality or language does not, on its own, establish eligibility. If you need help understanding the agreement, request support before accepting it.
A LITTLE MORE CLARITY
Your questions, answered.
Can Polish, Romanian or Russian speakers living in the UK apply?
Ask the broker to confirm the current residency, income and product requirements for your circumstances. Speaking a particular language is not an approval criterion and does not replace the lender’s assessment.
Does checking this page affect my credit score?
Reading this page or submitting our treatment enquiry does not make a credit application. The broker and lender explain any checks when you use their separate finance application.
Is finance approval guaranteed?
No. Every application is assessed by the lender. We cannot guarantee acceptance, a particular interest rate, a repayment term or an offer.
Credit is subject to status, affordability and lender approval. Rates, terms and available options depend on your circumstances. A treatment enquiry is not a credit application.