Overview
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Their specialist mortgage products are aimed at helping customers with complex incomes, diverse circumstances or credit issues to purchase or remortgage their home.
Their manual underwriting process offers the opportunity for successful outcomes for customers as they look at each case on an individual basis, taking a sensible and pragmatic approach to lending.
All mortgage enquiries and applications received are individually assessed without being dependent upon a credit score but are subject to status and clear evidence of affordability.
Reasons to choose them
- No credit scoring
- Complex incomes considered
- No max age
- Interest only available
- All cases are manually assessed taking overall circumstances into consideration
- Cases are considered on suitability and affordability
- Unusual properties considered
- Credit issues considered
- All types of income are considered
- Multiple loan parts available
- Loans from £50k to £1m
Products they offer
- First time buyers
- Deposit Line
- Joint borrower sole proprietor
- Income or deposit light
- Shared ownership
- Self Build
- Custom Build
- Later life lending
- Buy to Let
- Individual landlords
- Consumer
- Limited company
- Contractors
- Non standard credit
- BTL Expat
- Holiday Let
- Expat Holiday Let
- Limited Company for BTL, Expat and Holiday Let
- JBSP Deposit Line
Their service standards
- Dip submission to dip decision 2 working days
- Application to underwriter decision 10 working days
- Application received to mortgage offer average turnaround 25 day