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. We also offer Owner Occupier mortgages for Expats.
Fixed Rate Mortgages
Our fixed rate mortgages offer your clients security of a fixed repayment amount throughout the length of their product term, giving them peace of mind when it comes to planning their finances each month.
We know many younger borrowers may only have a small deposit to put down on a property.
Our Family Mortgage brings wider family assets like savings and property as security into the mortgage calculation, allowing your clients to get a 95% LTV mortgage and get on the property ladder.
Our offset mortgages allow your client to deposit savings into an offset account linked to their mortgage, providing the option of term 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.
Retirement Lifestyle Booster
We know many retired clients reach a point in their life when they wish to make the most of money tied up in their home to enjoy life's luxuries.
Our Retirement Lifestyle Booster mortgage allows these clients to be able to release equity from their current property for regular monthly advances and an optional initial lump sum.
Retirement Interest Only
Our RIO mortgage is designed for over 65's who are looking to stay in their home and avoid downsizing or moving into retirement accommodation.
With a RIO mortgage, your client doesn't need to pay back their mortgage until a specific life event occurs such as going into long-term care or passing away. However, your client will need to make monthly payments to cover the interest, so when it comes to repaying the mortgage, the outstanding total will be exactly the amount borrowed.
Can we help your client? Use our tool to find out.
Simply type your criteria to see our levels of acceptance and flexibility.