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  • Human customer support

    Human underwriting

    We treat everyone as an individual, so we can see the real person behind every application.

  • Self-employed specialists

    We're here for your self-employed clients who need a lender who understands their complex income.

  • Adverse credit

    We can work with your clients who have impaired credit, be it missed loan payments, CCJS or DMPs.

  • High LTV available

    Up to 95% LTV across our residential level 1 mortgage range.

Products and rates - Key information

Small business owner on laptop

Self-employed mortgage specialists

  • We can look at retained profits in your clients' business and use a share of net profit & salary when assessing affordability.
  • If your client has only 2 years' figures, we can use salary and dividend OR salary and share of profit after taxation when assessing income.
  • If your client's income has increased in the past year, we may be able to use these figures when assessing affordability, as long as their accountant can confirm that the income is sustainable.
  • If your client has less than 2 years' accounts, we still may be able to consider lending.
View our full residential mortgages lending criteria
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Specialists in adverse credit

  • We'll consider your clients' who have been on CCJs as long as they were recorded over 12 months ago.
  • We allow up to a maximum of 2 missed loan payments in the past 2 years, as long as none have been missed during the last 3 months.
  • We can consider your clients who are on debt management plans providing they have been satisfactorily maintained for 12 months or more.
  • If your client has more significant credit blips, we still may be able to help, with level 2 mortgages up to 80% LTV.
View our full residential mortgages lending criteria

Log in or register to submit business

  • Residential mortgages broker portal

    For owner-occupied and individual buy to let applications. You can log in to our Residential Mortgages Broker Portal or register here.

Useful links for mortgage brokers

  • View our latest service levels

    We regularly review and update our turnaround times to ensure they are as up to date as possible. Please review our submission guidelines to ensure your cases are packaged correctly.

    View our latest service levels
  • Our Platinum Broker service proposition

    We want our key brokers to feel the difference when working with us. Our service proposition delivers priority workflow and the opportunity to build bespoke deals for your clients.

    Our Platinum Broker service proposition

IF YOUR CLIENT FAILS TO KEEP UP PAYMENTS ON THEIR MORTGAGE THEIR PROPERTY MAY BE REPOSSESSED.