020 7031 1551
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[email protected]
United Trust Bank, 1 Ropemaker Street, London, EC2Y 9AW
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https://www.utbankmortgages.co.uk

United Trust Bank

United Trust Bank is a specialist lender offering a range of residential, buy to let and second charge mortgages to clients that require a bit more flexibility.

Residential Mortgages

We can help customers with complex income, self-employed, contractors and those with impaired credit. We can also support customers with properties nearby commercial premises like shops, pubs and restaurants and those made of non-standard construction like concrete, timber and steel framed.

Buy to let Mortgages

Our buy to let range is designed to support landlords with non-standard property and construction premises and those with HMOs, MUBs and holiday lets. The products can help Limited Company SPVs and individual landlords.

Second Charge Mortgages

We can help residential borrowers fund a wide range of loan purposes including home improvements, debt consolidation, payment of personal tax bills as well as for the purchase of other property.

Speak to our team

North BDM - Frances Arnold – 07385 930 252 [email protected]
London and Midlands BDM - Frankie Kitchen – 07557 311 615 [email protected]
South BDM - Rachel Shackleton – 07471 971 236 [email protected]
National - Mortgage enquiries team – 0207 031 1551 [email protected]

Visit our website: https://www.utbank.co.uk/intermediaries/mortgages

Paid by PMS

Proc Fees

Product	Gross	Net
Purchase/ Remortgage	0.45%	0.40%
Second Charge Products	1.25%	1.00%
BTL Standard	0.5%	0.45%
Product Transfer - Residential & BTL	0.4%	0.38%
Product transfer - second charge	1%	0.95%

Key Features

Non-standard construction or unusual property type (high rise, above commercial, balcony access, concrete, steel framed, timber framed, properties with large acreage).
Complex income (self-employed, contractors, 0 hours contracts, multiple income streams)

Adverse credit (CCJs, defaults, arrears, DMPs, missed mortgage payments)
Residential purchase, remortgage, interest only, unencumbered, second charge and BTL.

Overview

Post Code Restrictions:

England, Wales and Mainland Scotland

Register

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