Before you apply online, it’s worth remembering that:

• You must be 18 or over
• You’ll need to borrow at least £10,000
• Your mortgage term can’t go beyond your retirement date (and you can’t have a mortgage past the age of 70)
• Your property must be in England, Scotland or Wales
• We require the first legal charge on your property
• We don’t offer mortgages above 90% of the property value or purchase price – whichever is lower
• We don’t offer ‘Buy-to-let’ mortgages
• We don’t offer mortgages on ‘right-to-buy’ properties or homes that are part-owned by a housing association or local council
  

If any of the following apply, we’re sorry but we won’t be able to offer you a Direct Line mortgage:

• There are more than two people applying
• The mortgage requires a guarantor
• Any of the borrowing is for business purposes
• There is reliance on income from an applicant with less than six months continuous employment or two years’ self-employment
• The property has shared equity or multiple ownership
• The property is  
  – a self build or renovation project
  – used to operate a business (other than office space)
  – a live/work apartment
  – in a block of flats with more than five floors
  – owned by anyone not named on the application
  – of non-standard construction (e.g pre-fabricated, timber, unusual concrete) 
  – on a lease with less than 60 years remaining