Here’s how we can help you and your
Manual assessments and review of key documents such as accounts, payslips or credit files prior to submission to give you confidence that your client’s mortgage can be considered
Ability to use different income streams in affordability - particularly useful for HNW clients or larger loans
Trainee professionals catered for i.e. doctors, dentists etc. whilst receiving bursary / stipend income or first year PAYE
Ability to consider unusual properties for example properties with an annex or flats above commercial
Fixed term contracts considered
Future income can be considered supported by an employer’s reference. Handy for new jobs or a pay increase
Probationary period discounted for permanently employed applicants
Clients with failed credit scores due to lack of credit history or a minor credit problem on their file considered
New build properties – supporting HTB London, England and Wales and 95% LTV shared ownership schemes
Flexible lending allows a max term of up to 40 years
Lending up to age 83 into retirement considered
We are an alternative lender to high street banks and building societies where borrowers may not meet their standard lending requirements. Through our nominated networks L&G, Mortgage Intelligence, Personal Touch and a limited set of individual distribution partners we can lend to anyone in England and Wales.
Find us on Mortgage Brain, Trigold and Twenty7tec
Our award winning website provides you with an online mortgage portal for DIPs, KFIs, submission,document upload and case tracking supported by our quick calculator, full suite of products and criteria whenever you need it.