There are no “standard” requirements, your circumstances and needs are your own, and as such I will provide you with your own tailored recommendation. I will look at your situation and match it to the best solution I can find.
Lenders have different requirements and applying to the wrong one could lead to a decline, which could have an effect on your credit score. As I can see what particular criteria each lender is applying and looking for, I can vastly reduce the chances of this happening to you.
If you do not believe you will be able to get a mortgage just now, let me have a look as I may be able to suggest a way you can, or at least work out a plan to work towards. We can look at Government Help Schemes, Shared Ownership, low deposit schemes, and so on.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it
Most Buy To Let Mortgages, Bridging and Commercial Finance are not currently regulated by the Financial Conduct Authority