Our service levels.

Get to know us

Why you should use us.

General lending.

  • Manual underwriting: option to gain pre-DIP agreement.
  • Income: multiple sources used for affordability, including pension, rental, investment. 5.49x income multiple when an applicant earns £100k+.
  • Overpayments: 50% ERC free on all products.
  • Property: we’ll consider annexes and flats above good quality commercial.
  • We credit check, not credit score.

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 80% LTV.

Older borrowers.

  • Available on our standard range of products, up to a 40-year term with no maximum age.
  • Interest only available up to 70% LTV (sale and downsize as a repayment vehicle up to 50% LTV).
  • 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.

  • For residential, buy to let and holiday let properties, with 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 regulated and residential BTL cases; most currencies accepted on BTL and holiday let.
  • Up to 80% LTV on residential, BTL and holiday let.

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 (product dependent).
  • Can consider non owner occupiers.
  • We lend on regulated BTLs where family members are residing.
  • No maximum age.
  • First time buyer BTL accepted.
  • Basic Rate/Nil Rate UK taxpayers = 125% ICR required on the stress rate.
  • Higher Rate/Additional Rate UK taxpayers = 145% ICR required on the stress rate.
  • BTL Light Refurbishment product.

New build.

  • We can consider new build houses up to 95% LTV (subject to product availability), for flats up to 75% LTV.
  • We accept up to 5% builder’s incentive (minimum applicant contribution of 5%).
  • Mortgage offers valid up to 6 months, 3-month extension available.
  • Additional Borrowing and Porting offers are valid for 3 months.
  • Completion and CHAPs fees can be added at 90% LTV subject to affordability.

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