Opening doors to Residential Mortgages

We provide mortgages to creditworthy borrowers denied access to high street products.

We use experienced underwriters to assess applications, not automated credit scoring systems.  So if your creditworthy client has been turned away by high street lenders, get in touch. We're here to help you deliver a service and solution they simply won't find anywhere else.

View our full product range

For a printer friendly version of the Product Guide, visit our Literature & Downloads page.

From Wednesday 19th February we are making the following changes to our product range:


  • Help to Buy: mortgage guarantee range extended to include new 2, 3 & 5 year fixed rates up to 95% LTV
  • Standard range extended to include new fixed & variable rates up to 85% LTV
  • Remortgage only product booking fee revised to £149
  • Family Guarantee 3 year fixed rate revised up to 100% LTV
  • 65% LTV product tier increased to 70%

Buy to Let

  • Revised fixed and variable rates introduced
  • Remortgage only product booking fee revised to £149
  • 65% LTV product tier increased to 70% for loans up to £1million


At Aldermore we want to help you write more business and continue to offer:

  • No restrictive credit scoring
  • 5 star customer service
  • Individual case underwriting


Finally, there's Help to Buy beyond the high street

Aldermore is now proud to be part of the Government Help to Buy: mortgage guarantee scheme, with a choice of 2 year fixed rate up to 90% & 95% LTV, available for both purchase and remortgage*.

*Where the remortgage involves the advance of additional funds, none can be used to purchase an interest in another property/wherever situated.

Unlike high street lenders, where criteria is more restrictive and applications are subject to credit scoring, we'll assess each individual application catering for people who break the mould.


  • No restrictive credit scoring
  • Individual case underwriting
  • Competitive interest rates

To qualify for the Help to Buy: mortgage guarantee scheme:

  • The property must have a purchase price of £600,000 or less
  • Be your clients' main residence and only dwelling
  • Be a repayment mortgage (not interest only)

We've made some changes

Here at Aldermore we want to help you write more business which is why we have introduced a range of improvements including:

  • Reduced minimum age on our FTB range from 25 to 21   
  • Ex-Local Authority flats can now be considered (for both Residential owner occupier & BTL applications) subject to:   
    • Minimum property value of 200,000
    • Maximum LTV of 75%
  • Let to buy process improved resulting in quicker decision making   

We've also made some changes to our Residential Interest Only range including:

  • Maximum LTV restricted to 75%   
  • Introduction of a repayment plan declaration making the process easier   
  • Sale of property still accepted subject to minimum equity of 150k (250k for properties in London and the South East)   

 View our full product range

Great news! We're now lending in Scotland

If you have clients looking to buy property in Scotland, Aldermore can now help. Whether your clients are already based in Scotland or whether they're moving north or investing in Scottish Buy to Let Aldermore is the place to turn.

The benefits of our mortgages:

  • Residential mortgages - Our common sense approach means we'll consider creditworthy customers who've failed credit scores elsewhere
  • Buy to Let mortgages - We are the Buy to Let experts, catering for first time landlords to those with complex multi-property portfolios
  • First time buyer mortgages - No deposit required with our Family Guarantee Mortgage - 100% of purchase price available

We've lent over £1bn in mortgages since 2010. Talk to us if you have clients who are buying or remortgaging property in Scotland.

See how you can make the most of our mortgage products

We're lending on New Build flats

Listening to feedback from our brokers is a key priority at Aldermore - we want to help you write more business! So in response to market demand, we're now lending on new build owner occupied flats across our full residential range up to the product maximum LTV.

View our latest Residential range and rates now.


Newsflash! Fees can now be added to our mortgage loans

We pride ourselves on responding to the needs of our brokers and the changing market, so here's some welcome news.

In response to your feedback, your clients can now choose to add the following fees to their Aldermore Buy to Let or Residential* mortgage:

  • Completion fee
  • Electronic transfer fee

Added fees will be excluded from the LTV calculation but included in the affordability assessment. Where fees are added to the loan they will attract interest over the mortgage term.

*Excludes the Family Guarantee Mortgage and NewBuy

Over recent months, we've also introduced the following criteria enhancements to make our products even more attractive to your clients:

  • Full family gifted deposits now accepted from close relatives, including step relatives on all Residential and Buy to Let purchases.
  • Let to Buy now available up to 80% LTV** for the remortgage of an existing residential property on to a BTL mortgage.

** Maximum 75% LTV for first time landlords

View our full product range

Full Family Gifted Deposits -  Now accepted by Aldermore

With property prices remaining high, we know how hard it can be for borrowers to get on to the first rung of the property ladder and more and more are turning to the 'Bank of Mum & Dad' to help raise a deposit.

In response to this need, we've introduced enhanced criteria on our Residential and Buy to Let product range. We're now accepting full gifted deposits* from close relatives including step relatives. A close relative is defined as a spouse, parent, grandparent, sibling, or child.

  • Full Family Gifted Deposits on all Residential purchases
  • Full Family Gifted Deposits on all BTL purchases

View our full Residential & Buy to Let range

We're also extending the offer period on new build purchases to 180 days - just another way we're championing British homeowners.

These exciting criteria enhancements will help us to meet the needs of your customers who break the mould, by meeting the needs of real people and not banking stereotypes.

*Please note that criteria in relation to inter family sales and sale at under value remain unchanged.


Let To Buy - Now available from Aldermore

Letting out an existing property rather than selling is an attractive option in today's housing market. 

With this in mind, we are delighted to confirm that we will now accept Let to Buy applications in the following circumstances:

Remortgage of an existing residential property onto a Buy to Let mortgage*.

Your clients can also benefit from:

  • Lending up to 80% LTV (maximum 75% for first time landlords)
  • Capital raising up to product maximum LTV (ideal for raising a deposit for a new property)
  • Standard Buy to Let range and criteria applies - rates starting from just 4.48%

We hope that you find this important criteria enhancement beneficial - we have certainly seen growing demand for this facility and are delighted to extend our Buy to Let lending criteria to accommodate a Let-to-Buy option.

*A copy of the new residential mortgage offer will be required prior to completion.


Find out more.

Mortgages for customers that break the mould

Lower rates are one thing. Getting your applications approved is another...We believe mortgages should be flexible to fit different kinds of people. So we'll assess your customers' applications based on individual circumstances, not stereotypical mortgage tick boxes, using sensible criteria applied by real, experienced people.

View our lending criteria.

To get the housing market moving, action speaks louder than words. Submit a DIP today.


Waving the flag for BTL

The Buy to Let market has continued to grow, with further opportunities for investment.  We'll continue to champion BTL with competitive rates and award-winning service.  Remember that all our decisions are based on refreshingly sensible underwriting rules and flexible criteria applied by real, experienced people.

No one's doing more than Aldermore for BTL.

Find out more

We're improving our range all the time, so keep checking back for new products and further enhancements.

 Who we lend to

Aldermore residential mortgages are designed for creditworthy borrowers. However, we will take into account factors that can cause credit score fails. For example, applicants:

  • not yet on the voters roll because they have recently moved home
  • who have recently changed their job
  • who have satisfactorily resolved minor historic credit issues
  • who are self-employed with income generated via multiple sources
  • who are self-employed and disadvantaged by credit scoring systems favouring salaried applicants
  • currently living in rented accommodation, because they have sold their previous house

Your clients first

Our staff will look after your clients' mortgages from application through to post completion and customer service - and provide everything they may need in between.

Unlike most other lenders, we don't sub-contract mortgage servicing to third party administration companies. We take care of everything - including the normal day-to-day running of your clients' mortgages.

To find out more, call us on 0333 321 1000 or email

Need Help?

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