Suffolk Building Society

Overview   

• It’s easy to do business with us - we're available to discuss cases, obtain progress updates or answer any lending queries that you may have.
• No max age.
• Up to 40 year term.
• 50% overpayments on all products - ERC free.
• Max LTV 95% - including new build houses. (New build flats 75% LTV - London and East Anglia only).
• Later Life lending – IO to 50% LTV & CI to 70% LTV
• BTL/LTB – 80% LTV
• Holiday Let – 80% LTV. Use avg of high, medium and low season and we allow up to 60 days personal use each year.
• Expat - 80% LTV (Resi & BTL
• Shared ownership - 95% LTV of the share available (staircasing accepted).
• Self Build - 80% LTV (available direct).
• Adverse considered – please give us a call to discuss first.

We’ve been writing mortgages since 1849 (not that we look a day over 21…)

Our flexible approach and can-do attitude to lending means we seem younger than 175 too.

We’re manual where it counts (our underwriting) but we know that time is money so we’re continually working to speed up our app-to-offer time.

Vanilla isn’t our flavour. We’ve perfected our product and criteria recipe so it’s a favourite in these niches:

• Later Life – no max age, investment pots, rental income, uncrystallised pension funds. C&I, Interest Only or part & part.
• Family Assisted & Joint Borrower Sole Proprietor on BTL or Residential (including Expat!)
• Self Build & renovations – we’ll lend on land, and no need to use a packager.
• Expat – resi, BTL and holiday let. Multiple currencies on one app.
• Holiday Let – 60 days of personal use, up to 80% LTV.

When you’ve got your next complex case on your plate, get in touch.