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Our service and turnaround times

Figures accurate as of 24th June 2019
Dips Reviewed

Dips Reviewed

within 24 hours

Applications Reviewed

Applications Reviewed

within 96 hours

Documents Assessed

Documents Assessed

within 96 hours

Valuations Assessed

Valuations Assessed

within 96 hours

Telephone average wait time

Telephone average wait time

41 seconds

EX-PAT ON THE BACK...

Alright, sunshine? Our new Expat BTL mortgage will get you a glowing report from clients who live overseas. They might even invite you over for a holiday.

EX-PAT ON THE BACK...
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Buy To Let Product Guide

Buy-To-Let Product Rates

Our buy-to-let products cater for applicants with a variety of circumstances. Individuals, Ltd Companies and those wanting to purchase HMO/MUB, we roll out the red carpet to them all. Come in, the kettle is always on.

Key Facts

Max loan

£2 million max loan.

Income

No minimum earned income.

LTV

Up to 80% LTV – see our product guide for full details.
Up to 75% LTV for flats above commercial property.

Locations

We lend in Scotland as well as England and Wales.

Latest Updates

Fees assisted remortgage range

We’ve launched a new fees assisted remortgage product. Free standard conveyancing and no valuation, application or TT fees!

Ltd company cashback range

We’ve launched a new Limited Company cashback Buy to Let mortgage. Available on purchase and remortgage applications.

5 year fixed rate mortgage with 3 year erc

Our 5 year fixed rate mortgage with 3 year early repayment charge is available to the whole of market. Five years but leave after three with no penalties! Right on.

Download our product guide
Speak to a member of our team

Expat Buy-To-Let Product Rates

Our Expat buy-to-let products cater for applicants working or residing abroad who still want a slice of the UK property market.

Key Facts

Max loan

£750,000 max loan.

Income

Minimum income is £40,000 GBP equivalent for employed and retired.
Minimum income is £60,000 GBP equivalent for self-employed and contractors.

LTV

Up to 75% LTV available to Individuals, Ltd Companies and HMO/MUB’s.

Locations

We lend in Scotland as well as England and Wales.

Latest Updates

Expat range launched

We’ve launched our new Expat buy to let product range. Available on purchase and remortgage applications.

Download our Expat product guide
Speak to a member of our team

Our service and turnaround times

Figures accurate as of 24th June 2019
Dips Reviewed

Dips Reviewed

within 24 hours

Applications Reviewed

Applications Reviewed

within 96 hours

Documents Assessed

Documents Assessed

within 96 hours

Valuations Assessed

Valuations Assessed

within 96 hours

Telephone average wait time

Telephone average wait time

41 seconds

The Mortgage Lender Difference

Credit Score Cascade? It’s Called Pigeon-Holing

Credit Score Cascade? It’s Called Pigeon-Holing

We don’t lend to pigeons.

HOLY BAT PHONE!

HOLY BAT PHONE!

Get a direct line to our mortgage underwriters.

Let’s talk shop.

Let’s talk shop.

We lend 85% LTV for flats above commercial properties EVEN ON NEW BUILD. *Subject to valuer’s comments.

We love a selfie.

We love a selfie.

Loans based on the most recent year’s income for the self-employed.

Music to your arrears.

Music to your arrears.

Behind on utility bills and comm’s bills...we don’t consider these defaults and arrears as impaired credit. Is how it should read.

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Get in touch

There’s always someone here for you, all you have to do is holler and we’ll come running.

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Already applied or have a mortgage with us?

If you want to be our friend or are already one of the family then just click the right button and you’re off.

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