Owner occupier mortgages

We have a dedicated underwriting department which looks at each case on an individual basis. We don't credit score meaning we might find a mortgage for a client who has been turned down elsewhere, or whose circumstance may be a little different from the norm.

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We have a mortgage for all the family

Core purchase and remortgage range

Our core purchase and remortgage range offers fixed and variable rate mortgages up to 80% LTV. These mortgages are suitable for clients who don't require one of our more specialist products but would still like the benefit of our personalised human underwriting. Our core range is available for borrowers up to the age of 95, with generous mortgage terms available.

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Family assisted mortgages

We know that some borrowers may need a little help from family to get them onto the property ladder.

Our range of Family Assisted mortgages includes our award-winning 95% LTV Family Mortgage and our Joint Borrower Sole Proprietor mortgage range, so family can help in whichever way works best for them.

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Specialist Later life mortgages

We offer specialist mortgages available for older borrowers who are looking for something outside our core range.

For those looking for an alternative to equity release, our RIO mortgages could be what they're after. 

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Offset Mortgages

Our offset mortgages allow your client to deposit savings into an offset account linked to their mortgage, providing the option of balance reduction or a reduced monthly payment. This may be suitable for those who are self employed or who have savings they'd like to put to better use.

Up to four Offset Saver accounts can be linked to an offset mortgage, perfect for family members to support your client if they wish.

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Expat Mortgages

Our Owner Occupier Expat mortgage range is suitable for borrowers who are UK nationals or foreign nationals working in the UK but who are paid in a foreign currency. All our Expat Mortgages are available on an Interest-Only basis.

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Further advances

For existing borrowers who would like to increase their loan amount, we offer a range of further advance mortgages.

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Product switches

View the range of mortgage products we have available for existing borrowers who have come to the end of their term and are looking to switch to a new product with us.



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Criteria checker

Can we help your client? Use our tool to find out.
Simply type your criteria to see our levels of acceptance and flexibility.