Changes to Santander lending criteria as the end of the Brexit transition period approaches include requirements of the proof the right to reside in the UK.

In an update to brokers, the lender says that EEA/Swiss citizens – excluding those in the Republic of Ireland – who wish to apply for a residential mortgage over 75 per cent LTV will have to prove their permanent right to reside in the UK if income is being used for affordability checks.

Potential borrowers looking for a buy-to-let mortgage where their income is required to meet the £25,000 threshold will also need to provide this proof.

The proof can take the form of settled or pre-settled status as part of the EU settlement scheme “or other acceptable evidence,” Santander says.

It adds that all residential and BTL applicants must be UK resident.

In non-UK resident cases, applications for new lending will be considered only under certain circumstances, which include the intention to occupy the property on completion, the borrower being a temporarily overseas worker who will be returning to live in the property and some cases where the property will be partially occupied.

The bank says that pipeline cases where the application is for over 75 per cent LTV for EEA/Swiss citizens (and not Republic of Ireland) where income is used for affordability checks will not require right to reside evidence if submitted on the Introducer Internet by 9pm on 5 December.

However, this evidence will be required if changes are made to the application after 6 December.

Substitute properties and re-submitted cases will be not be treated as pipeline cases after this date, either.

Pipeline cases that have receive a mortgage offer before 6 December do not require the UK to be the country of residence, Santander adds in a note to brokers.