We don't believe in a 'one size fits all' approach to lending

22 Oct 2018
We pride ourselves on helping those who don't tick all the typical high street lenders' boxes and who may have been turned down elsewhere.

  • First time buyers? Try our Family Mortgage
  • Older borrowers? We lend up to age 95
  • Self-employed? We'll take a sensible view on their income
  • Clients need family support? We offer Joint Mortgage Sole Owner arrangements
  • Expat client? We lend to expats from over 35 countries

  • With our common sense approach and flexible underwriting, we are able to consider your client's unusual and complex cases. And don't forget...

  • Each case you submit is underwritten individually and assessed on its own merits
  • No credit scoring
  • We have no set maximum loan amount

  • Vote for us as winners

    We are delighted to announce we have been nominated for the ‘Later Life Lender of the Year’ award at the 2018 Mortgage Introducer Awards.

    Being recognised as a leader in this specialised market means a lot to us, as does your continued support in solving your older clients’ borrowing needs. You can vote for us here.

    If you have any questions or have a case you would like to discuss, please contact your local Business Development Manager or our Mortgage Desk.

    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 from pensions and investments to mortgages. 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:

    Grace Bennett

    Grace focuses around the West M25 area. Contact Grace for help with your clients' mortgages.
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    Your Local BDM:

    Darren Deacon

    Darren has over 28 years' Financial Services experience and focuses on both the East and West Midlands as well as the Southwest. Contact Darren 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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    We do not currently have a BDM covering your area. Please contact our Mortgage Helpdesk:

    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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