Important changes to our mortgage products and the return of our 95% LTV Family Mortgage

24 Jun 2020

Time for some good news! We've made some changes to our mortgage product range with effect from 24 June 2020:

  • Our 95% LTV Family Mortgage has been reinstated for new business 
  • We now have a range of 75% LTV Owner Occupier products and 65% LTV Buy to Let products
  • We've reduced rates across most of our fixed rate products, and extended the completion deadline to 02/01/2021 
  • Product fee for our 5 Year Fixed Rate repayment mortgages reduced to £999.


It's back! A reminder of our award winning Family Mortgage 

Our award winning 95% LTV Family Mortgage gives families the flexibility to combine their property and savings as security for a borrower's mortgage.

  • Your clients can borrow up to 95% LTV
  • Include family members' savings and/or property as security
  • Include family members' savings as security in an offset account to reduce the amount of the mortgage on which interest is charged
  • 5 year fixed rate available

Find out more here


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We have a team of BDMs ready, willing and able to answer any of your queries and guide you through the application process. If you don’t have a BDM in your area, you can contact our dedicated 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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