We don’t lend to pigeons.
Get a direct line to our mortgage underwriters.
On residential we lend 85% LTV for flats above commercial properties, even on new build. Subject to valuer’s comments.
Residential loans based on the most recent year’s income for the self-employed.
Behind on utility and comms bills. We don’t consider these defaults and arrears as impaired credit.
Our service turn around times:
DIPS – 97% within 24 hours
Applications – 71% within 72 hours
Documents – 86% within 72 hours
Valuations – 80% within 72 hours
Telephone average wait time – 8 seconds
Figures accurate as of 14th October 2018