United Trust
United Trust Bank

United Trust Bank

United Trust Bank is an established specialist lender providing a wide range of short and medium term funding solutions for businesses and individuals.

Our dedicated lending divisions demonstrate in-depth knowledge and experience combined with commercial awareness and a commitment to delivering the highest standards of service.




Proc Fees

Product Gross Net
First Charge Products 0.45% 0.40%
PMS Only - Second Charge Products 1.25% 1.00%

Key Features

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    Non-standard construction property with normal LTV for non-standard properties.

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    1st charge purchase, Remortgage, Unencumbered, Interest only and First Time Buyers. Loan terms up to 40 years.No ERC on certain Products.

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    Overtime, bonus and commission considered up to 50% if not guaranteed. Multiple sources of income considered.

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    Lend for many Legal purposes, Plans that allow 2 missed mortgage payments in 12 months . Flexible Approach



Post Code Restrictions: Lender-InfoBoxWhite

Scotland - Mainland only. Please check Post code with Lender, if in doubt.

Northern Ireland - Not available.

Register Lender-InfoBoxWhite

Register to place business with United Trust Bank:


UTB lends on first and second charge mortgages and will consider non-prime customers and non-standard construction property types. As a specialist lender, UTB has flexible criteria for both employed and self-employed clients and it does not credit score.

Last year, UTB launched a Secure Chat Hub for brokers and customers to communicate securely with the bank during mortgage applications. The app runs complete security checks using facial recognition for ID verification, can upload documents, accepts e-signatures and is more data-secure than emails.

We are a Lender committed to Intermediaries.