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%

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:


Key features and criteria:

- Residential mortgage range
- Lend to max 85% LTV
- 3-40 year terms to the 85th birthday of the eldest applicant
- Maximum £1m loan size on first charges and £500,000 on second charges
- No solicitors required for remortgages
- Free AVMs available subject to criteria
- Applicants with CCJs, Defaults, DMPs and missed mortgage payments considered
- Mail order and communications supplier defaults ignored regardless of value or date
- 50% of overtime, bonus and commission accepted
- Most legal loan purposes accepted
- Married sole applicants accepted
- Latest years finalised accounts for self-employed, not an average
- Non-standard property and construction accepted (including above commercial)

Buy to Let mortgage range

- Lend to max 80% LTV plus 2% fee
- No minimum income requirements
- Flats next to or above difficult commercial property, e.g. takeaways, restaurants, bars etc
- High rise flats up to 30 floors (20 floors if ex-local) accepted
- FTBs allowed as secondary applicants
- Holiday Let = 70% of annual income used for ICR cover
- Simple ICR options using pay-rate on 5-year fixed products
- Credit blips accepted 
- Most legal loan purposes accepted for BTL remortgage


Guides, calculators and useful links