A reminder of our recent product updates

27 Feb 2026

This is a brief reminder of the recent launch of our new Family Mortgage and our Buy to Let affordability enhancements.

Our new 100% LTV Family Mortgage

  • No deposit required
  • No application or product fees
  • Additional security, from property, savings or both, required to bring LTV down to 80%
  • Up to 5.33x LTI
  • Available for purchase applications only.

See full details of our new Family Mortgage product and try our Family Mortgage repayment calculator.

We’ve introduced several enhancements to support stronger Buy to Let outcomes for your clients:

Improved Buy to Let affordability with changes that can increase borrowing by up to 35%

  • Reduced stress rates for products fixed for under five years
  • No change for products fixed five years or more (still assessed at pay rate)
  • Typically results in a 15% uplift for Capital Raising cases and a 35% uplift for Pound for Pound remortgages.

New Expat Buy to Let 2 Year Fixed Rate product

  • Available at 4.69%, up to 75% LTV, on an Interest‑Only basis
  • Includes £500 cashback for remortgage applications
  • 2% Product Fee, minimum £1,500.

Explore our Expat Buy to Let product range and check out our Buy to Let Affordability Calculator. 

Our team of BDMs now cover the whole of England, Wales and Scotland, and are all ready to answer your queries and guide you through the application process.

A reminder of our recent product updates 2026

Affordability Calculator

Find out how much your residential client may be able to borrow. To see affordability for a Buy to Let client, use our Buy to Let calculator

Find Your Local

Business Development Manager

Your Local BDM:

Sam Morrison

Working out of our head office, as our phone-based BDM in Epsom, Sam has a wealth of knowledge regarding our processes and criteria and covers a variety of postcodes across the UK.
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Your Local BDM:

Neil Cadwallader

Neil has over 19 years experience in Financial Services. Neil focuses around South Wales and the West of England area. Contact Neil for help with your clients' mortgages.
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Your Local BDM:

Stuart Heavens

Stuart focuses on the South Coast area. Contact Stuart for help with your clients' mortgages.
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Your Local BDM:

Amar Mashru

Amar focuses on the Central London area. Contact Amar for help with your clients' mortgages.
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Your Local BDM:

Arif Kara

Arif was previously a mortgage adviser, and focuses on North and West London. Contact Arif for help with your clients' mortgages.
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Your Local BDM:

Nathan Waller

Nathan, previously a mortgage broker, focuses on Cambridgeshire, East Sussex, Essex, Suffolk, Hertfordshire, Bedfordshire, Lincolnshire, Norfolk and Kent. Contact Nathan for help with your clients' mortgages.
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Your Local BDM:

Gina England

Gina has a vast amount of experience with both simple and complex lending solutions. If you're in the East or West Midlands, please contact Gina for help with your clients' mortgages.
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Your Local BDM:

Paul Roberts

Paul has over 30 years' experience and focuses on the North (inc. M62 corridor), Yorkshire and the North East. Contact Paul for help with your clients' mortgages.
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A new BDM will be covering your area soon. In the meantime, our experienced business support team are on hand to support you with any applications, case updates or any queries you may have.

Opening hours: Monday - Friday: 9am - 5.30pm. Saturday: Closed

We may record any telephone calls we have with you in the interest of staff training, monitoring customer service or for security purposes.

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