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Affordability Calculators
The perfect tools to help your client understand what they can afford.
Buy to Let Mortgages
Make more landlords happy
Our brilliant BTL range features competitive interest rates, helpful fixed-rate deals and generous LTVs. What’s not to love?
Residential Mortgages
Real life is complicated, but lending doesn’t have to be
Our range of flexible mortgages are designed for all those with complex circumstances; for the entrepreneurs, the creatives, the self-employed and those on commission and bonuses.
Remarkable Mortgages for remarkable people
Mortgages that make a difference
Real life is complicated, but lending doesn’t have to be. Our range of flexible mortgages are designed for all those with complex circumstances; for the entrepreneurs, the creatives, the self-employed and those on commission and bonuses.
We can help the first-timers and the re-mortgagers too. That’s more cases, and potentially more business for you.
Self Employed
Profit pre-tax & salary on latest figures
Self-Employed Covid Impact
Consider previous years figures
Contractors
New & existing CIS workers treated as employed
Complex Incomes
100% of overtime, bonus, commission & second jobs
Impaired Credit
Arrears, CCJ's, Defaults, IVA's, Bankruptcies
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What to expect from our Product Transfer process
We will notify your client when it’s time - If your client is currently on a variable rate, or they are coming to the end of their initial fixed or tracker rate, they will receive a letter from us that will explain their next steps.
Contacting your client – We will recommend customers get in touch with their broker early so they can receive help to find the best option for their circumstances. We will confirm that the advice process will include a check to confirm if they are eligible to switch using a Product Transfer. You may wish to also proactively contact your clients to discuss their options.
Apply to Product Transfer – If you recommend that your client should opt for a Product Transfer, and they meet our eligibility requirements, please log in to our origination portal and select the 'Product Switch' icon. You can then follow the portal steps using our handy 'How to Guide' – we also have our dedicated Product Transfer team available to answer your questions or support you and your client if the portal asks you to contact us. If your client decides to proceed with the Product Transfer, you complete this via the same portal.
Once a Product Transfer offer has been accepted the terms are locked in and it cannot be changed or cancelled without the customer/s incurring an early repayment charge.
Portfolio Landlords
Portfolio Landlords
Portfolio landords
Portfolio Landlords
If your client is a new or experienced Portfolio Landlord, then we're here to help them grow with Portfolio Express.
For any cases your client submits across a 12-month period following their first Portfolio Submission they'll follow a more streamlined application process. That means we'll use the existing documents that the customer submitted with their initial application and only require a few additional documents to support the application.
Make more landlords happy
Mortgages that make a difference
Our brilliant BTL range features competitive interest rates, helpful fixed-rate deals and generous LTVs. What’s not to love?
Portfolio Landlords
No maximum properties in background portfolio
Limited Company
SPV & trading companies
HMO/MUB
Student & Corporate Lets
Want to work with us?
We’re changing the mortgage market for the better, helping real people with competitive products. And the proof is in the pudding. We do that with great service from our dedicated underwriters and BDMs. Just take a look for yourself.
Real life lending
Enhanced criteria
Market-leading products
Real-time support
Queries answered, quick
Direct access to underwriters