Important Information i

From Friday 23rd February, we have made rate reductions across both our Buy to Let and Residential product ranges. View our product guides.


We continue to support customers who are struggling or think they may struggle with their mortgage payments. If you need our assistance, please call our Customer Support team on 0344 257 0427, Monday to Friday, between 9am and 5.30pm. If your client can keep up with their mortgage payments, we would encourage them to do so, as changing their contract could lead to higher payments down the line.


Everyday real-life lending: mortgage offer fast tracked in just six working days

Wednesday, March 22, 2023

Everyday real-life lending: mortgage offer fast tracked in just six working days

Supporting the self-employed and those with more complex incomes is our bread and butter. We strive to offer borrowers more choice and more value through our real-life lending approach as quickly and efficiently as possible. This was highlighted in a recent case where we progressed a director of a limited company’s residential application to offer in just 6 working days.

Working closely with broker Nouveau FS Group, we worked together to ensure all the documentation was in order to move the case forward at pace. This meant we were able to fully package the product offering on the first day and a physical valuation of the property was conducted promptly after.

We also take a different approach to affordability criteria compared to traditional high-street lenders, providing more access to products for consumers. We calculated this self-employed individual’s affordability, who was trading as a limited company with only 1 year of accounts, based on their pre-tax profits from the latest year. We were then able to provide a 78% LTV for the property, helping the client achieve their homeownership goals.

Please note article content was accurate at time of publishing