United Trust
United Trust Bank

United Trust Bank

United Trust Bank (UTB) Mortgages for Intermediaries is a specialist bank providing a range of mortgage products for those whosecircumstances or requirements are not best served by mainstream lenders.

UTB's first charge mortgages, BTL & second charge loan products offer more flexible and accommodating criteria in terms of property type and construction, complex incomes, including self-employed and contractor, and applicants with adverse credit.

The BTL range is available to both established portfolio and first-time landlords and cater for many unusual property types including high rise flats and those over commercial premises, HMOs, Multi Unit Freehold properties and holiday lets.

UTB’s application process uses leading technology to provide a quick and straightforward broker and customer journey from application to completion whilst at the same time offering manual underwriting.




Proc Fees

Product Gross Net
Purchase/ Remortgage 0.45% 0.40%
PMS Only - Second Charge Products 1.25% 1.00%
Unencumbered 1% 0.9%
BTL Standard 0.5% 0.45%
Non-Standard 0.8% 0.75%
Product Transfer- Residential 0.4% 0.38%
Product transfer - second charge 1% 0.95%

Key Features

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    Non-standard construction or unusual property type (high rise, above commercial, balcony access, concrete, steel framed, timber framed, properties with large acreage).

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    Complex income (self-employed, contractors, 0 hours contracts, multiple income streams)

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    Adverse credit (CCJs, defaults, arrears, DMPs, missed mortgage payments)

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    Residential purchase, remortgage, interest only, unencumbered, second charge and BTL.


Post Code Restrictions: Lender-InfoBoxWhite

England, Wales and Mainland Scotland

Register Lender-InfoBoxWhite

Register to place business with United Trust Bank:

Registration will be confirmed within 24 hours (weekdays only). If you need some help, please call our mortgage enquiries team between 9am-5pm Mon-Fri on 0207 031 1551 or email us at [email protected].


Who we are

  • Our Specialist Mortgage division offers residential, buy-to-let and second charge mortgage products designed for borrowers who are underserved by the mainstream mortgage market, funded by our savings and deposits divisions at the bank.
  • Our criteria caters for those whose circumstances do not fit within many ‘high street’ lenders’ whether it be related to property type and construction, self-employed or complex income and those who have historically experienced imperfect credit.
  • Our mortgage division is 100% intermediary focused and our fantastic people strive to provide successful outcomes when supporting our broker partners in their quest to deliver great customer outcomes. 
  • We deliver this through listening to feedback, adapting to change, embracing technology supported by a human touch in our sales and underwriting divisions.  
  • Our goal is to be the go-to lender for specialist mortgages.

What we do

  • Residential mortgages
  • Buy-to-let mortgages
  • Second charge mortgages

Customers we love to help:

  • Properties with non-standard construction - concrete, single skin brick, steel framed, timber framed, glass, and many more
  • Non-standard property types – flats above commercial, rural cottages, penthouses, high rise flats, balcony access, converted properties, properties with land and outbuildings
  • Unencumbered properties – those without a mortgage or mortgage history
  • Professionals and those with complex incomes – multiple income streams and irregular income 
  • Self–employed and contractors – Limited Company, sole traders and contractors
  • People with a less than perfect credit history
  • Buy-to-Let landlords large or small, individuals, limited companies (incl. SPVs), portfolio and non-portfolio, HMOs, MUBs, holiday lets and serviced accommodation


How to add the Mortgage Club as a payment route

To add the mortgage club as a payment route, please contact [email protected].

Contact details 

Our mortgage enquiries team are on hand to help Monday–Friday, 9am to 5pm. 

Please call us on 0207 031 1551 

Email us at [email protected]


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