Residential Mortgages

Exceptional individuals require exceptional mortgages

We love to help those customers under-served by the High Street. Those who may have complex income, credit blips or are self-employed, and are looking for a mortgage on a property that is a little different such as non-standard construction or near a commercial – next to a fish and chip shop for example.

Our product ranges cater for purchase, remortgage, interest only, unencumbered, product transfers and mortgage prisoners. For more details, please check out our lending criteria and/or product range sections.

Lending Criteria Product Range

At a glance

Our Residential offering:

Three product ranges – Prime Plus, Prime, Near Prime to suit a customer’s unique circumstances and amount of adverse held.
85% LTV
£25k – £1M
Tracker, 2, 3, 5 year fixed and a new 5 Year Fixed, 2 Year ERC

Some of our USPs:

Lending available to 85% LTV
Maximum age: 85 years
Married, sole applications accepted
Multiple sources of acceptable income allowed inclusive of child benefits, maintenance, rental, second jobs and pension
Self–employed: Latest year’s accounts considered for affordability (not average)
Contractors – daily rate x 5 x 48 weeks minus all deductions at source
Non-standard construction property types accepted – timber frame, steel frame, concrete with no LTV restrictions High rise and flats above retail with no LTV restrictions
Interest Only – affordability assessed on the interest only payment
New build properties/off plan purchase accepted