We are pleased to announce that we have entered the 95% market.

Our new products are available to:

  • New, first time buyers
  • Home movers or remortgage customers for mortgages secured against their main residential property.

For residential houses only including new build (Not flats)

  • Property must be located within the boundary of the North West Region (Lancashire, Merseyside, Manchester, Cumbria & Cheshire)
  • Designed for borrowers with a limited deposit
  • Mortgage must be taken on a capital repayment basis.
  • Not available to those who meet the Credit Renew criteria.

Reduction in 2 year discount rates. 80% LTV reduced and 90% LTV reduced

The Chorley approach to mortgages:

  • All cases individually underwritten
  • Common Sense Approach – experienced underwriter
  • No credit score – Credit Search
  • No maximum age
  • Realistic approach to Lending into/whilst retired
  • Up to 4 applicants allowed & up to 4 incomes counted
  • Guarantors welcome
  • Concessional purchase and gifted deposits
  • Interest only option
  • Buy to let loans available.
  • Flexible approach to contract workers and self employed
  • Will consider IVA/Bankruptcy discharged over 3 years
  • CCJ’s or defaults settled over 3 years ago considered
  • One CCJ or default issued within last 3 years less than £500 acceptable