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FOR THE BOLD AND THE BRAVE

Man with a beard sits holding a young child on his lap while looking to the side. The same man appears again in a layered view smiling at the child.

Still backing the self-made and the side-hustlers, the complex and the non-conformers

We back the bold - the people who choose self-employment. Who start their own business. Who become their own boss.

It’s a brave new world. Self-employment isn’t always predictable. Income can change month to month. But the dream of owning a home doesn’t go away.

There is a growing need for greater understanding of complex cases, embracing non-standard situations is becoming the new norm. We can help deliver solutions for these unique scenarios. Our residential mortgage offering is designed for real life.

We’re here for the bold and the brave. And you can be too.

How we can help you to help them

  • Up to 5.5x LTI - multiple income streams considered & no LTV restrictions

  • Up to 95% LTV residential purchase

  • Pre-tax profit plus salary used for limited company directors

  • Self-employed: latest years figures

  • Additional income – up to 100% bonus / overtime / commission / second job considered

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Helpful Links

Explore our resources to find guides, tools, criteria and support related to our residential offering.

  • Residential Product Guide

  • Residential Property Criteria

  • Residential Affordability Calculator

  • Residential Documents

Residential mortgages designed for real life

Peek inside with our Bold and Brave case studies to see how our lending works in real life. If you ever need solid proof of how we work closely with brokers to get the desired result, it’s all here.

Broker support

Our Broker Support Team are experts in understanding the challenges of a complex case, and how to place them. Speak to our Broker Support Team today to see how we can help with your next case.

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