Getting Started

Understanding the different search types available and when to use each.

Jason Hegarty avatar
Written by Jason Hegarty
Updated over a week ago

There are 3 fundamental ways to search for criteria on Criteria Hub each designed to cater for a specific situation. They are:

  • Compare Search (most popular)

  • Multi Search 

  • Lender Browse

Compare Search

Compare a single criteria across multiple lenders
This our most popular search type allows you to pick a single criteria and compare it against all lenders in one list in order of their selected values. For example when searching for who lends in Northern Ireland you would expect to see the lenders that that do first and those that don't after. (Learn more about the info lenders input on Criteria Hub).

Good for times when
You need an answer to a question quickly. For example, show me who will lend on a property where there is evidence of Japanese Knotweed present.


Multi Search

Compare up to 6 criteria across multiple lenders
Sometimes there are multiple things we want to check for a single case. Perhaps someone who has been self-employed for only 16 months, receives maintenance income (not through the courts) and has their eye on a timber-framed construction property. In this scenario we can add these three criteria and assign the clients value to query the lenders position. For example, I would indicate my client has been self-employed for 16 months and this would be checked against the lenders minimum length of time self-employed requirement.

Good for times when
You need to get an idea of which lenders will accept a combination of criteria. For example, show me who will lend on a property where there is evidence of Japanese Knotweed present, the property is in Northern Ireland and I want a lender who doesn't credit score.

Warning!
Not all criteria is critical to a lender declining a case. In the example above we were looking for a lender who:

  1. accepts someone who has been self-employed for 16 months

  2. receives maintenance not via a court order and 

  3. wants to buy a timber-framed property. 

If a lender accepts 1 & 3 but not 2 it would not mean that they would necessarily decline the case it could simply mean that they couldn't use the maintenance income as part of the affordability assessment. In short the case might still fit. It's important that you review the results carefully before eliminating a lender as not suitable.


Lender Browse

A lenders dedicated criteria page on Criteria Hub that displays only their criteria all in one place. It's like their own policy pages on their website just with more detail - a lot more!

Good for times when
You want to browse through a specific lenders criteria all in one place. You can focus your search and drill down by category or topic.

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