The home of specialist Residential
We're built for the real-word complexity of residential lending. Our criteria and underwriting reflex the clarity, structure and flexibility that today's brokers rely on, helping you place affordability and credit-challenged cases with confidence.
Whether your case is a little out of the ordinary or has a few layers of complexity, we’ll do our best to find a solution. Whatever the challenge, we'll look at the full picture, and we help you navigate it. We make mortgages happen.
Our credit tiers explained
We consider your clients with blips on their credit rating and other credit score declines. Our residential mortgages are split into four tiers - F1, F2, F3 and F4. Please use the product guide to see which tier your client with a credit blip would fit into.
Got a case to place?
Joint Borrower Sole Proprietor
Charlotte, aged 26 and like many young people today, is still living at home with her parents. She’s eager to move out and buy her first property but is keen to stay close to her family and remain within easy reach of her workplace.
Here’s what our JBSP products offer:
|
Incomes from parents or family members can be considered to boost borrowing capacity for first-time buyers |
|
Acceptance of gifted deposits from a wide range of family members, not just parents |
|
Flexible affordability solutions for buyers struggling to secure a mortgage as sole applicants in higher-priced areas |
£4£ Remortgage
Daphne and Joe are both self-employed and found themselves in a tricky position as they approached the end of their mortgage term with another lender. Unfortunately, they were unable to secure a product transfer with their existing lender and needed to explore remortgage options.
Here’s what our £4£ remortgage product offers:
|
No set loan-to-income cap, with affordability assessed based on individual circumstances |
|
No maximum loan to income cap where affordability allows |
|
Flexibility to use the latest year’s income for self-employed applicants, even if it’s lower than previous years |
|
Part-and-part mortgage options available, with the potential to adjust repayment portions without increasing monthly payments |
Call back form for mortgage brokers only.
Members of the public please call 0344 770 8030.