PRODUCT HIGHLIGHTS

FEE SAVER RANGE

  • £0 product fee
  • Up to £650 Valuation fee refund
  • Free standard legals on remortgages

BORROWING IN OR INTO RETIREMENT

  • Up to 85 at the end of the term
  • Current income used if retirement more than 10 years away
  • Affordability includes 100% pension income

'BUY TOGETHER' MORTGAGES

  • Up to 4 applicants accepted with all incomes considered
  • Main applicant minimum age 21

MINIMUM INCOME £15k

  • For at least 1 applicant
  • Income from second jobs accepted - 12 month history required

FIRST TIME BUYERS

  • Up to 85% LTV and product fee can be added
  • Full gifted deposits accepted
  • Any scheme, no first time buyer restrictions or additional fees

SELF EMPLOYED

  • 1 year's verified accounts or SA302
  • Dividends and net profit included
  • Eligible for all products

IMPAIRED CREDIT HISTORY

  • Small or life events allowable
  • Up to 3 CCJs and 2 missed mortgage payments allowed up to 80%
  • CCJs and defaults of up to £500 ignored

FOCUS ON FLATS

  • Up to 75% LTV for flats above commercial premises
  • New build accepted up to scheme limit

INTEREST ONLY

  • Max 75% interest only
  • Allows own investment vehicle or downsizing

FIXED & VARIABLE PRODUCTS AVAILABLE

  • Range of 2 or 5 year fixed and variable rates
  • Full initial product terms from completion date

RIGHT TO BUY PURCHASE

  • Any product level up to 95% of the discounted purchase price. Same max loan limits and criteria
  • Flats up to 80% LTV
  • High rise considered

CONTRACTORS & SHORT WORK HISTORY

  • 6 month's contract or rolling 3 months renewal at least once
  • Only 1 year track record of employment in the same line of work required

MODERN TECHNOLOGY & PROCESS

 

  • Online decision in principle (DIP) possible in less than 10 minutes, full application possible in less than 15

  • 100% online application - no paper required

  • Auto-cascade system - both ways - results in the right product and rate for your customer

  • Auto-email updates and 24/7 case tracking keep you fully informed at key stages of the process