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United Trust Bank
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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

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

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

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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.

Overview

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].

Register

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]

 

Visit our website
 

Mortgage Strategy 2021 shortlist
PMS Mortgage Club of the Year Finalist MI Awards 2019
PMS Mortgage Club of the Year 2019
Money Facts 2021
Stephanie Charman -Finalist Business Leader Specialist Distributer
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0345 230 8000

Jackson House
Sibson Road
Sale
Manchester
M33 7RR
 
FOR INTERMEDIARY USE ONLY

PMS is a trading style of Premier Mortgage Service Limited a company registered in England and Wales with number 5011650. Registered office: Aviva, Wellington Row, York YO90 1WR. PMS is an appointed representative of Bankhall Support Services Limited.

©PMS2021