Residential Owner-Occupied Mortgages Intermediaries

Human underwriting

We treat everyone as an individual, so we can see the real person behind every application.
Self-employed specialists

We're here for your self-employed clients who need a lender who understands their complex income.
Adverse credit

We can work with your clients who have impaired credit, be it missed loan payments, CCJS or DMPs.
High LTV available

Up to 95% LTV across our residential level 1 and 2 mortgage range.

Self-employed mortgage specialists

We can use the highest combination of salary and dividend OR salary and share of net profit when assessing income and affordability (for those with 2 years accounts), up to 95% LTV.
If your client's income has increased in the past year, we may be able to use these figures when assessing affordability, as long as their accountant can confirm that the income is sustainable.
Our standard level 1 and level 2 are available up to 95% LTV and our level 3 is up to 80% LTV.

If your client has less than 2 years' accounts, we are still able to consider lending, up to 90% LTV.
If your client is a self-employed contractor (with no other employees), we can also assess their affordability on an employed, gross income basis (using contract and payslips), up to 90% LTV
Capital raising is available for business purposes up to 85% LTV (as long as it isn’t supporting an ailing business).

We can use the highest combination of salary and dividend OR salary and share of net profit when assessing income and affordability (for those with 2 years accounts), up to 95% LTV.
If your client's income has increased in the past year, we may be able to use these figures when assessing affordability, as long as their accountant can confirm that the income is sustainable.
Our standard level 1 and level 2 are available up to 95% LTV and our level 3 is up to 80% LTV.

If your client has less than 2 years' accounts, we are still able to consider lending, up to 90% LTV.
If your client is a self-employed contractor (with no other employees), we can also assess their affordability on an employed, gross income basis (using contract and payslips), up to 90% LTV
Capital raising is available for business purposes up to 85% LTV (as long as it isn’t supporting an ailing business).

We'll consider your clients who have been on CCJs as long as they were recorded over 12 months ago.
We allow up to a maximum of 2 missed loan payments in the past 2 years, as long as none have been missed during the last 3 months.
We can consider your clients who are on debt management plans providing they have been satisfactorily maintained for 12 months or more.
If your client has more significant credit blips, we still may be able to help, with level 3 mortgages up to 80% LTV.

Our mortgages are available up to 95% LTV across our level 1 and 2 range.
Supporting those with small deposits and big dreams, first time buyers, the self-employed and home movers.

Residential mortgages broker portal

For owner-occupied and individual buy to let applications. You can log in to our Residential Mortgages Broker Portal or register here.

Log in or register

View our latest service levels

We regularly review and update our turnaround times to ensure they are as up to date as possible. Please review our submission guidelines to ensure your cases are packaged correctly.

View our latest service levels
Our Platinum Broker service proposition

We want our key brokers to feel the difference when working with us. Our service proposition delivers priority workflow and the opportunity to build bespoke deals for your clients.

Our Platinum Broker service proposition
Residential mortgage documents

All our latest product and lending criteria guides, forms and other useful resources.

Residential mortgage documents

IF YOUR CLIENT FAILS TO KEEP UP PAYMENTS ON THEIR MORTGAGE THEIR PROPERTY MAY BE REPOSSESSED.