We’ve improved the way we stress-test your clients for buy-to-let mortgages. Which means we say yes to more customers. Good news for you, and them. First, the interest rate stress on 5 year fixed products is now 5.00% We’ve lowered our interest rate stress for 5 year fixed rate products to 5.00%. For all other [...]

Did you know….? With life getting busier, we want to make it easier for you to do business with us! You have three ways to submit your client’s application to us: Online Application: register here Scan & email: newbusiness@cirencester-friendly.co.uk Post: Cirencester Friendly, 5 Dyer Street, Cirencester, Glos. GL7 2PP For all enquiries contact our Customer [...]

On Friday 23rd November Halifax are making the following changes to the product range New REM range Withdrawn: All products with Complete by date of 21/12/2018. Please see rate guide here for further details of the product change. To secure existing product codes, please submit mortgage applications in full by 5pm on Thursday 22nd November 2018. [...]

TSB has introduced Rate Switch for 5 year fixed Residential product transfers. By the end of the year, Rate Switch will also be available for 2 year fixed rate Residential product transfers. TSB continues to improve its  mortgage service and is phasing the launch of Rate Switch to ensure a smooth introduction for brokers. Here’s [...]

Foundation Home Loans have added a new 3 year fixed rates to their buy to let range. The limited-edition product is designed for landlords who fit the Standard Plus criteria, or are financing a House in Multiple Occupation (HMO) or Multi Unit Block (MUB). The new proposition is available to Limited Companies and Individuals, with [...]

We've extended our limited-edition 'Prime Plus' residential mortgage rate into 2019. It's a 2-year fixed product at our lowest-ever rate – just 3.59%. It applies to those clients who may have experienced a credit blip, have an unusual property type or whose income position mean the mainstream lenders are unable or unwilling to help. At [...]

Customise your Client Portal, save yourself an hour a case and meet your clients’ expectations! We are very excited to introduce a new feature in our Key Client Portal: now you can change background & font colours, add your logo and banners to match your company branding. Plus you can enjoy all the other benefits: [...]

What's the difference? Retirement Interest Only (RIO) vs. our existing Older Borrower range We launched RIO in support of 55+ borrowers last week and you may be asking so what's the difference for your clients? It's a new product set with different criteria but what do you need to know to place your client?.. [...]

We've changed selected 2, 3 and 5 year fixed rates, and selected Equity Share rates. 3 and 5 year fixed rate reductions  3 year fixed rates across 80%, 85% and 90% LTV tiers reduced by up to 0.15%. 5 year fixed rates across 60%, 80%, 85% and 90% LTV tiers reduced by up to 0.25%. [...]

Welcome to this week's Mortgage Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Less stress and more yes with buy to let lending and Virgin Money; Barclays launch new buy to let portfolio landlord products; TSB introduce [...]