Mr S is a single applicant who was looking for a remortgage product to consolidate his outstanding secured and unsecured credit & capital raise for home improvements. His 3-bedroom brick-built terraced house in London was in need of some new double-glazed windows and a boiler replacement. Based on some historical adverse credit, four defaults [...]

Self Build 3.69% - for loans £75,000 - £999,999 4.19% - for loans £1,000,000 - £2,000,000 Harpenden's Self Build products... They manage complex cases and income, offer bespoke solutions and provide flexible underwriting. Additional product features: •    Standard Self Build - up to 65% LTV, available anywhere in England or Wales •   [...]

We’ve got great news for new build customers and the latest on how we’re making it easier for you to do business with us. A boost for new build cash incentives We now accept new build cash incentives of 5% of the purchase price up to 90% LTV, previously capped at 85% LTV. This [...]

When securing a self-employed mortgage, the struggle is real. From strict tick-boxing to high street defeat, it's an uphill battle. It's exactly why everyone from contractors to freelancers are getting a flexible new residential range from us. Our simplified range means better rates are more accessible to your clients. Take a look at what [...]

New month, new focus - Limited Company Buy to Let It’s a new month, which means a new In Focus theme! For the month of April, we will be sharing cases and scenarios based on our Limited Company Buy to Let offering. Relaunched in February 2022, the product has been designed to support landlords [...]

The teams will be brought together in the second quarter of this year and will house 16 business development managers (BDM) to provide a “more efficient service to brokers” as the team will be able to leverage both lenders more effectively. In addition to the BDM team, there will be seven specialist finance account [...]

Bridging finance solutions from Precise and InterBay As part of the wider OSB Group, we’ve brought together the best of Precise Mortgages and InterBay to provide you and your clients with even more bridging solutions. This is the first time we’ve leveraged our expertise across both brands, and our new two-tier refurbishment offering, in [...]

The new markets we’re entering are: Furnished Holiday Lets  Expat Furnished Holiday Lets First Homes Scheme England To support you with our launch, I’ve listed our key criteria below so you’re able to update any lender notes or criteria grids you hold for us. I’ve also attached a Holiday Let case study. Please feel [...]

Our research has found 17% of UK adults considered buying a holiday let during the past two years, equating to over 10 million people*. That’s a big number of potential landlords! Interestingly it was younger people leading the trend, which could open up a new client group for intermediaries with real expertise in the [...]

Joint Borrower Sole Proprietor mortgages are where a mortgage is in joint names but home ownership rights remain with only one of the borrowers. This is particularly useful for enabling close family members to help a loved one onto the property ladder by contributing to mortgage payments without having any ownership rights. In this [...]