Earl Shilton
Earl Shilton Building Society

Earl Shilton Building Society

Earl Shilton Building Society (ESBS) - as individual as you
Lending throughout England and Wales, Earl Shilton Building Society (esbs) is one of the longest established building societies in the UK.
ESBS provides a competitive range of residential mortgages, coupled with a flexible and ‘common-sense’ approach.

 

Proc Fees

Products Gross Net
All Products 0.4% (Min £250) 0.4% (Min £250)

 


Overview

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ESBS provides a competitive range of residential mortgages, coupled with a flexible and ‘common-sense’ approach to service, criteria and underwriting; designed so you can deliver solutions for those unique and complex customer requirements.
Here are a few key reasons to use esbs:

• Can lend into retirement, and to those working into later years (repaid by age 85)
• Interest only, up to 50% LTV or part and part for higher LTVs
• Self-build specialists - direct with you the broker and not through third parties
• Properties subject to agricultural ties, age and Section 106 restrictions considered
• Adverse credit acceptable if cleared over three years ago
• Gifted deposit and equity acceptable (inc non-family and landlords)
• Right to Buy and Right to Acquire – 100% of the purchase price to 90% of the Open Market Valuation
• 4 applicants and 4 incomes allowed
• No credit scoring, with flexible underwriting where applications are assessed individually