Each year at this time, Santander supports local charities to help people who are less fortunate. This year we’d like to invite you to join us in donating new/nearly new toys to children who may otherwise receive nothing at Christmas. Between 5 and 23 December, during our usual visit to you, if you donate a [...]

The following BTL products will be withdrawn at close of business today; DSL332 -2 year BTL product, discounted to 2.29% - maximum 75% LTV DSL333 - 2 year BTL product, discounted to 2.29% - maximum 70% LTV In light of the PRA changes we have had to amend our BTL criteria – please amend your [...]

Jo Breeden, Managing Director, Crystal Specialist Finance A multi-property residential refurbishment project in Cheltenham has been saved from a costly delay after Crystal Specialist Finance (CSF) secured a £3.6m bridge with Together in just ten working days. The applicant’s relationship with the existing lender had become fractured meaning the build could not continue [...]

Dear Partner Last week we told you about changes we were planning to make to our Buy to Let lending policy. We can confirm the changes have been made and take effect from today, Monday 5 December. Interest coverage ratio  Our interest coverage ratio is now 145%. Interest rate stress  We have changed our interest [...]

Hi Tim On Thursday 1 December, we will be introducing a selection of competitive changes to our range, including new fee-free Purchase-only products, with £250 cashback and free valuations, fee-free Buy to Let (BTL) products and our best-ever 5 Year Fixed rates for Purchase and Remortgage Premier clients. Fee-free Purchase-only products We are launching four [...]

    Residential and Buy to Let - December  2016 Find out more.. Great news! We've made some changes to our criteria based directly on your feedback. Income from other sources We can now accept income from more than two sources including secondary income from self-employment or seasonal work. Remortgages with capital raising We've increased the percentage [...]

Specialist distributor TFC Homeloans is now the best value for money in the market on standard mortgages. All brokers have to do is choose between a £195 Application Fee and a £495 Completion Fee, whichever is best for their client. This is the only fee the client will pay to TFC for our service. The [...]

We recently emailed to tell you about the changes we have made to the Freedom Elite policy which take effect for both new business and renewals from 1 January 2017. I’m pleased to confirm that the complete set of user-friendly, updated Freedom Elite documentation is now available. You can also view the important notices that we are [...]

95% of all Life Insurance claims paid 99% of personal lines motor claims paid, and over 99% of all commerce claims First time Zurich has announced Life and GI claims   On 31 October 2016, Zurich in the UK announced that more than £1 billion was paid out in claims during the first six months [...]

I am delighted to announce Scottish Widows, in partnership with Niche Health (the software provider) have introduced electronic General Practitioner reports (eGPRs) into the underwriting process for Protection.  Scottish Widows is part of an industry working group whose aim is to improve adoption of Niche’s software for use in protection.  The long term aim for [...]