When we speak to new brokers, one of the most common things we hear is 'Wow! I didn't know you did that!'

Lending to borrowers in later life with complicated income streams isn't always straight forward, but being able to look at each application on a case-by-case basis makes a huge difference.

With our manual underwriting approach, team of local Business Development Managers, generous lending criteria and innovative products - we strive to find a way to lend to your clients.

We take great pride in how we do things, and it works.

How can we help? 

• We take into account earned income up to the age of 70, or even 75 if the client is in a non-manual role.
• Other income can be considered on a case-by-case basis, such as:
  – Up to 90% of investments or pension pots (divided by the mortgage term)
  – State and private pensions
  – Rental income
  – Stocks and shares ISAs
  – Remuneration drawn by limited company directors (where the applicant is not actively running the day-to-day business operation).
• We lend in retirement with higher maximum ages than most lenders:
  – Owner Occupier repayment mortgages, up to a maximum age of 95 at the end of term
  – Owner Occupier Interest-Only and Buy to Let mortgages, up to a maximum age of 89 when the loan commences.
• We have a common sense approach to lending and use human beings, not robots, to underwrite each case. This means we can tailor our solutions to each of your clients' needs.

Take a look at how we may be able to help

Why choose us

For more information on our mortgage products, please visit our website or contact your local BDM or our mortgage desk.

Semi-exclusive products

On top of our standard range of products we have additional semi-exclusive products available via our packaging partners. For further information, speak to your local BDM

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.

Thank you for your continued support.