Service Times arr-up
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Our service and turnaround times

Figures accurate as of 10th December 2019
Dips Reviewed

Dips Reviewed

within 24 hours

Applications Reviewed

Applications Reviewed

within 72 hours

Documents Assessed

Documents Assessed

within 72 hours

Valuations Assessed

Valuations Assessed

within 72 hours

Telephone average wait time

Telephone average wait time

31 seconds

OKAY, RESIDENTIAL PRODUCTS IT IS

Find a fit for your clients.

OKAY, RESIDENTIAL PRODUCTS IT IS
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Residential Product Guide

Residential Product Rates

Your client is not a number to us, we treat every applicant as an individual. Whether they are employed or self-employed, a purchaser or looking to remortgage, we will never make any sweeping generalisations. That’s just not the done thing.

Key Facts

Credit history

Unusual income and circumstances? Blips in your client’s credit history? No problem.

LTV

Up to 90% LTV through selected distribution partners – see our criteria and product guides for full details.

Arrears

Arrears on utilities and comms bills are not considered impaired credit to us, we’re only human.

Latest Updates

Help to Buy (Scotland) products

10/12/2019

We’ve increased the max LTV to 80% on Scottish Help to Buy applications.

Residential re-price and NEW Real Life 0 lending tier

21/11/2019

We’ve reduced selected residential products and introduced a new Real Life 0 lending category with market leading rates from 2.45%.

Fee offer purchase product launched

08/11/2019

We have a brand new purchase only product with £0 application fee, £0 Telegraphic Transfer fee, £0 valuation fee and completion fee can be added to the loan.

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

Our service and turnaround times

Figures accurate as of 10th December 2019
Dips Reviewed

Dips Reviewed

within 24 hours

Applications Reviewed

Applications Reviewed

within 72 hours

Documents Assessed

Documents Assessed

within 72 hours

Valuations Assessed

Valuations Assessed

within 72 hours

Telephone average wait time

Telephone average wait time

31 seconds

Speak to a member of our team

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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