Just like houses our Mortgages come in a range of styles and sizes to suit individual circumstances.

Download our first charge mortgage guide
Download our second charge mortgage guide

Take a look at our criteria highlights below:

First Charge – Residential

Products

  • 2 Year fixed rates from 2.94%
  • 5 Year Fixed rates from 3.44%
  • 2 Year Discount Rate from 2.94%
  • Lifetime tracker rate from 3.34%
  • All products available for purchase and re-mortgage

Key product features

  • Minimum loan £40,000
  • Maximum loan £1,000,000
  • Maximum loan to value 80%
  • Interest only / part and part up to 60% LTV
  • Minimum income £12,500
  • No age limit on application (Referral if over 70 – Max age 85 at term)
  • England, Wales and Mainland Scotland
  • Maximum term 35 years

Customers we love to help

  • Any customer looking for an alternative to high street lenders
  • Self-employed – straightforward or complex
  • Contractors / short work history
  • Customers buying new build property
  • Remortgage for business, tax bill, deposit for buy to let or to help family
  • First time Buyers – unlimited gifted deposit / gifted equity
  • Customers borrowing into retirement
  • Credit hiccups – we do not credit score

Your home, provided as security for the loan, may be repossessed if you do not keep up with payments

 

Second Charge – Residential

Providing additional funding without affecting a current first charge mortgage, we can provide second charge residential mortgages from £10,000 to £750,000, for up to 35 years.

Products

  • 2 Year Discount rates from 3.74%
  • Lifetime Tracker rates from 3.94%
  • 2 Year Fixed rates from 4.34%
  • 5 Year Fixed rates from 4.74%

Key product features

  • Minimum loan £10,000
  • Maximum loan £750,000
  • Maximum loan to value 75%
  • Minimum Income £12,500
  • No age limit on application (Referral if over 70 – Max age 85 years at term)
  • England, Wales & Scotland
  • Maximum term 35 years

Customers we love to help

  • Raise capital for Debt Consolidation, for a property deposit, tax bill, Home Improvements, business startup and many more
  • Customers with an impaired credit profile
  • Self-employed – straightforward or complex
  • Contractors / short work history

Your property, provided as security for the loan, may be repossessed if you do not keep up with payments