Residential

  • Self-employed accepted with one year’s trading history;
  • Up to 85 per cent LTV on Near Prime products;
  • Complex income structures and Contractors accepted;
  • CCJs, Defaults, Arrears, DMP/DAS, IVA/Trust Deed and Discharged Bankruptcy/Sequestration considered;
  • Fees Free available on all residential mortgages;
  • Up to four applicants accepted;
  • Now lending in Scotland;
  • Help to Buy, London Help to Buy and Help to Buy (Wales) schemes accepted;
  • Proc fees paid on exchange of contracts;
  • New Build offers valid for up to six months;
  • Gifted deposits accepted and builder gifted deposits up to max 5 per cent.

Buy to Let

  • Individuals and Limited Companies;
  • Special Purpose Vehicle (SPV) and Trading Limited Companies;
  • Up to four applicants/shareholders;
  • Bespoke ICR test starting at 125% for joint landlords with different tax rates;
  • Interest rate stress for 5 year fixes starting at payrate;
  • Complex properties including studio flats, HMOs & Multi-unit blocks;
  • First time, Next-time or Professional landlords with large portfolios;
  • Unique BTL Guarantor enabling support for first-time or inexperienced landlords getting into property investment;
  • Gifted deposits or equity;
  • Refinancing within six months;
  • Tenancies accepted include Assured Shorthold Tenancies and Common Law tenancies;
  • Acceptable tenants include corporate, students, plus state-supported and Housing Association tenants.