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Home finance eligibility

Ready to get started on the Pfida home journey? Here’s a quick checklist of our requirements.

Finance requirements

Green tic Minimum finance requirement of £50,000 and maximum of up to £400,000*
Green tic Have a deposit of at least 15% of the property value
Green tic Minimum property value of £100,000 and maximum value of £500,000 for personal home provision scheme
Green tic Minimum property value of £50,000 and maximum value of £500,000 for buy-to-let
*We are able to provide finance below this threshold but subject to fees this option can be expensive.

Personal requirements

Green tic The minimum age requirement is 21 years old
Green tic Minimum of 3 months of permanent employment, or minimum of 3 years self-employed track record of working in a sole trader/partnership/contractor/limited company/limited liability partnership capacity
Green tic You will need a minimum annual income of £25,000, either individual or as a joint household
Green tic At least one applicant must have indefinite leave to remain or settled status. We will also accept applications with a guarantor with this status
Green tic Be based in the UK or have a UK home address if currently working abroad
Green tic Provide 6 months’ worth of bank statements from a UK bank account
Green tic Be a UK taxpayer or the local equivalent for UK ex-pats
Green tic You must not have any bankruptcy or Individual Voluntary Arrangements in the last 5 years
Green tic You must not have any active CCJs and no more than 1 settled CCJ in the last 3 years
Apply for home finance

Don’t live in the UK?

We hope to serve citizens of other EU countries in the future, and eventually the rest of the world.

Don’t quite meet the criteria?

Get in touch with us, we’ll be happy to discuss your situation and see how we can help.
Contact us