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.
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.
At a glance
Our Residential offering:
- Lending between £25,000 – £1,000,000
- Tracker and Fixed rates available
- Maximum 2 applicants on application
- Lending up to 85% LTV
- Maximum age: 85 years
Key criteria:
- Married, sole applications accepted
- Multiple sources of income allowed
- Contractors – daily rate x5 x48 weeks
- Non-standard property types accepted
- Interest-only – affordability assessed on interest-only payments
Real people that we’ve helped
Case Study 1
Case Study 2
Case Study 3
Need more help?
UTB operate through the intermediary channel only.
Read our reviews
Excellent customer experience
‘Excellent customer service and support throughout the whole experience.’
Laura Carson, Just Remortgages LTD
Answered all my questions
‘United Trust Bank is excellent. Answered all my questions and any problems I had. Fantastic communication.’
Lynn Dyson, Finance Advice Centre LTD
I would refer anyone to them
‘I would refer anyone to them. I will also be putting any further remortgages through them.’
Richard Peavoy, CLS Money