- Manual underwriting: option to gain pre-DIP agreement.
- Enhanced LTI of 5.49 x income for applicant/s with 12m rental history OR one earns £75k+.
- Multiple income sources accepted including pension pot, rental, investments.
- Overpayments: 50% ERC free on all products.
- Property: we’ll consider annexes (even with separate council tax), flats above commercial, and new build flats up to 90% LTV.
- We credit check, not credit score.
- Foreign nationals: Minimum 1 year working in UK prior to application, with at least 1 year left on qualifying visa.
Welcome to Suffolk for Intermediaries.
We can help your clients throughout England and Wales, whether you’re placing a case for a first time buyer or an older borrower, a self builder or an expat, we’re here and we’ve done it before.
Find the solution that’s right
Our service levels.
AIP referral
We are working to a current turnaround time of 2 working days
Underwriting
We are underwriting fully packaged cases in 8 working days
Document processing
We are currently processing documents within 5 working days
Get to know us
Why you should use us.
We can help your clients throughout England and Wales, whether you’re placing a case for a first time buyer or an older borrower, a self builder or an expat, we’re here and we’ve done it before.
Our expert underwriters consider every application individually, so where others see numbers, we see people and we know life doesn’t come neatly packaged.
General lending.
Self build & renovation.
- For new projects, conversions, renovations and knock down & rebuilds. Includes properties where the build has started.
- Max 80% LTV for both purchase and remortgage, plus we will lend against the land value.
- Flexible stage releases and interest only available during the build.
- Specific products to support eco and highly energy efficient builds.
- Penalty free switches after completion to one of our standard products.
- Come to us direct… you don’t need to use a packager!
- Multiplot accepted (up to a maximum of 10 plots on site).
Joint Borrower Sole Proprietor.
- Available on residential, BTL and expat lending.
- Four applicants four incomes for UK applications.
- Two applicants two incomes for expat applications.
- Older family members helping younger relatives.
- Younger family members helping older relatives.
- Up to 90% LTV on UK and expat resi (age limits apply – see criteria).
Later Life.
- Access to all standard products, up to a 40-year term and no maximum age (age limits apply for JBSP – see criteria).
- Interest only available up to 70% LTV. Downsizing accepted as a repayment vehicle.
- Part & part available up to 80% LTV.
- Maximum 80% LTV lending into retirement.
- We class pension assets as income, even if not currently being drawn – will use 80% of pension pot and divide by mortgage term.
Expat.
- Residential up to 90% LTV. BTL and holiday let up to 80% LTV.
- Most countries of residence considered (except UN sanctioned countries).
- Multiple currencies accepted on one application.
- Can lend to a British national and foreign national (as long as the British national meets criteria and affordability).
- Deposits built up in the country of residence accepted.
- 16 currencies accepted on residential and regulated BTL cases; most currencies accepted on BTL and holiday let.
- BTL minimum income £25,000
- Minimum age 18.
Holiday let.
- We offer up to 60 days of personal use.
- Will consider first time landlords (must be owner occupiers).
- Loans available up to 80% LTV.
- We assess the loan amount using the average weekly rental from high, mid and low season.
- First time rental properties considered (no requirement to be currently let out).
- No maximum age.
Buy to let.
- Up to 80% LTV.
- Can consider non owner occupiers.
- We lend on regulated BTLs where family members are residing.
- No maximum age.
- First time buyer BTL accepted.
- First time landlords accepted.
- Consumer BTL accepted.
New build.
- Up to 95% LTV on houses, 90% LTV on flats.
- Max 10 storeys and can consider above good quality commercial.
- JBSP.
- Enhanced multiplier of 5.49x income with 12m rental history.
- Later Life lending – no maximum age at end of term.
- We accept up to 5% builder’s incentive (minimum applicant contribution of 5%).
- Non-simultaneous completion if remortgaging for deposit, and 50% ERC-free overpayment helps if selling previous resi.
- Mortgage offers valid up to 6m, 3m extension available.
- Completion and CHAPs fees can be added at 95% LTV subject to affordability.
Building relationships
“
Very helpful staff on the phones, helpful BDM, good online portal.
Intermediary, Fakenham via
“
Overall underwriting experience was superb and assessing cases on their individual merit is much better than the high street.
Intermediary, Witham via
“
As usual with the team… they just deliver. Thank you.
Intermediary, Tiverton via
“
The team made an outstanding effort to offer and complete on this case in time to beat the stamp duty deadline – which had a positive impact wider than just the clients, others in the chain also benefited and so this is massively appreciated by more people than you know! Thank you.
Intermediary, London via
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From our blog
What’s new.
Our blog contains the latest goings-on and updates across the Society, so here’s where you can check out our latest product updates, mortgage news, insights and more.
Our regular emails include our latest news, so if you don’t already receive our updates get in touch and sign up. You can also follow us on Twitter and LinkedIn.
Base rate and our SVR
7th Aug 2025
Suffolk Building Society offers 5.49x income multiples for renters
11th Aug 2025
Suffolk Building Society appoints new BDM for Wales and the South West
30th Jul 2025
15% of homeowners plan to downsize, Suffolk Building Society finds
15th Apr 2025
Changes to our lending criteria
24th Oct 2024
Now accepting multi-currency applications
18th Oct 2024