Mortgage Lender

What's New

Resi rates from just 4.89%, max LTVs now 95%, max loans now £5m!

LTV now up to 95%
Max loans up to £5m
Product fees can be added to the loan
Stress rates reduced to 1.25% on 2 and 3-year fixed

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What's New

Reduced rates, expanded LTV options and new limited editions

Rates down on all buy to let products
Rates on limited editions for non-portfolio landlords now from 3.59% on 2-year fixed
Rates from 4.14% on 2-year fixed non-HMO (single dwelling properties)
New limited edition LTV ranges - 65% and 75% LTV for loans £125,000-£325,000

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What's New

Refurbishment buy to let range

Standard rates from 5.64%
EPC C+ refurbishment rates from 5.44%

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What's New

New simpler range with updated rates

Tier 1 and Tier 2 products combined into a single refurbishment range
Lower rates for heavier refurb deals based on the current value of the property
Rates from 0.65%pm
No ERC and min 1 month interest
No max loan amount

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What's New

New buy to let product transfers feature:

Rates from 4.29%
1-year fixed rates reduced by up to 0.45%
Reduction of 0.35% across the rest of the range

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Our Products

Residential

Limited edition rates from 4.89%
Core rates from 5.09%
Up to 95% LTV across Tiers 0-3
Up to 85% LTV Tier 4
Up to 80% LTV Tier 5
Loans from £25,001 to £5m

Help to Buy

Rates from 6.79%
Up to 75% LTV
Loans from £25,001 to £750,000
Help to Buy purchase (Wales) and Help to Buy remortgage accepted

Right to Buy

Rates from 6.79%
Up to 100% discounted purchase price
Loans from £25,001 to £750,000

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Product Information

Residential

Highlights and Features

Limited edition rates from 4.89%
Range of fee options from £0
Product fees can be added to the loan
Core rates from 5.09%
Up to 95% LTV across Tiers 0-3
Up to 85% LTV Tier 4
Up to 80% LTV Tier 5
Loans from £25,001 to £5m
CCJs, defaults, mortgage and secured loan arrears, active and satisfied DMPs and unsecured arrears accepted

Who's our residential range for?

Home movers
Remortgages
New build purchases
First-time buyers

When to use our residential range

Customers looking for an alternative to high street lenders
Customers with adverse credit history
Self-employed customers with only 1 year’s accounts

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Product Information

Help to Buy

Highlights and Features

Rates from 6.79%
Up to 75% LTV
Historic CCJs, defaults, DMPS and mortgage and secured loan arrears accepted
Loans from £25,001 to £750,000
Help to Buy purchase (Wales) and Help to Buy remortgage accepted

Who's our Help to Buy range for?

Customers buying new build properties
Existing Help to Buy customers looking to remortgage

When to use our Help to Buy range

We accept new purchase applications on the Help to Buy Wales scheme
We accept remortgage applications on the Help to Buy England, Help to Buy Wales and Help to Buy Scotland schemes

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Product Information

Right to Buy

Highlights and Features

Rates from 6.79%
Up to 100% discounted purchase price
Historic CCJs, defaults, DMPS and mortgage and secured loan arrears accepted
Loans from £25,001 to £750,000

Who's our Right to Buy range for?

Customers buying their social housing property

When to use our Right to Buy range

Purchase only
Houses only
England only

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Product Information

Personal Ownership Landlords

Highlights and Features

Limited edition rates from 3.59%
Core rates from 4.19%
Up to 80% LTV
Single dwelling, HMO and MUFBs
Limited edition loans from £125,000 to £325,000
Core loans from £40,000 to £3,000,000

Who's our buy to let range for?

First-time landlords
Experienced landlords
Consumer buy to let

When to use our buy to let range

Landlords looking to purchase a new property
Landlords looking to remortgage an existing property

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Product Information

Limited Company Landlords

Highlights and Features

Up to 80% LTV
Single dwelling, HMO and MUFBs
Top slicing available
Loans from £40,000 to £3,000,000

Who's our buy to let range for?

First-time landlords
Experienced landlords

When to use our buy to let range

Landlords looking to purchase a new property
Landlords looking to remortgage an existing property

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Product Information

Standard Refurbishment

Highlights and Features

Bridging refurbishment from 0.69%
Exit rates from 5.64%
Up to 80% LTV on exit
Single dwelling, HMO and MUFBs
Personal ownership and limited company

Who's our standard refurbishment range for?

Landlords looking to change the use of a garage or loft space to a habitable room.
Properties purchased at auction that require light refurbishment to be acceptable for mortgage purposes.
Landlords looking to change the use of a residential property to, or from, a small HMO with up to six lettable rooms.

When to use our standard refurbishment range

Standard refurbishment to make a property habitable.

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Product Information

EPC C+ Refurbishment

Highlights and Features

Bridging refurbishment from 0.69%
Exit rates from 5.44%
Up to 80% LTV on exit
Single dwelling, HMO and MUFBs
Personal ownership and limited company

Who's our EPC C+ refurbishment range for?

Landlords looking to refurbish a property to maximise the rental yield.

When to use our EPC C+ refurbishment range

Refurbishment of a property that already has an EPC rating of C or above, or is awarded a C rating as a result of the improvement work

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Standard Bridging

Rates from 0.65%pm
Up to 75% LTV
Fee-free AVMs up to 75% LTV
Regulated and non-regulated
No maximum loan amount

Tier 1 Refurbishment

New simpler refurbishment range. Rates from 0.65%pm
Up to 75% LTV
Regulated and non-regulated
No maximum loan amount

Developer Exit

Tier 1 products up to 75% LTV gross
Tier 2 products up to 65% LTV gross
Regulated and non-regulated
Up to a maximum of 6 units on Tier 1 products. No maximum on Tier 2 products

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Product Information

Standard Bridging

Highlights and Features

Rates from 0.65%pm
Up to 75% LTV
Fee-free AVMs up to 75% LTV
Regulated and non-regulated
No maximum loan amount

Who's our standard bridging range for?

Landlords who want to make a quick purchase
Chain-break finance
Cash flow funding for short-term requirements
Buying property at auction
Meeting tight transaction deadlines

When to use our standard bridging range?

Where short-term finance is required and is secured on a property in a habitable condition and does not require any improvement works
Regulated bridging finance can be used for almost any purpose, except where your customer is looking to raise finance by way of a second charge and the loan is for business use. For this situation our range of non-regulated bridging finance could help

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Product Information

Tier 1 Refurbishment

Highlights and Features

New simpler refurbishment range. Rates from 0.65%pm
Up to 75% LTV
Regulated and non-regulated
No maximum loan amount

Who's our Tier 1 refurbishment range for?

Extensions
Loft conversions
Single unit to multi-unit
Multi-unit to single unit
Multi-unit properties currently at 'wind and watertight' stage that require completion
Barn conversions
Conversion of a commercial unit into a maximum of 10 units
Landlords looking to change the use of a residential property to an HMO with up to 20 lettable rooms
Landlords looking to change the use of a residential property to a maximum of 6 flats. An acceptable new home warranty will be required

When to use our Tier 1 refurbishment range?

Planning permission is required
Works are being completed under Permitted Development Rights (change to property footprint)
There is a change in overall use or nature of the premises
Regulated bridging finance can be used for almost any purpose, except where your customer is looking to raise finance by way of a second charge and the loan is for business use. For this situation our range of non-regulated bridging finance could help

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Product Information

Developer Exit

Highlights and Features

Tier 1 products up to 75% LTV gross
Tier 2 products up to 65% LTV gross
Regulated and non-regulated
Up to a maximum of 6 units on Tier 1 products. No maximum on Tier 2 products

Who’s our developer exit range for?

Experienced developers with a residential property that has reached practical completion, with the benefit of all consents and a warranty or PCC
Property developers who need more time to sell properties or organise long-term finance
House builders who want to refinance their existing development facility to extend the sales period and/or save money
Developers who want to release capital to move on to another project

When to use our developer exit range?

If there are delays in the sale completion or in securing long-term finance
If a project overruns and funding can’t be extended
When development project costs have exceeded budget
To release additional capital from a completed project
For individual units or a large development of 100s of units – there are no limits on this product

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Product Information

Product Transfers

Highlights and Features

Buy to let rates from 4.29%
Residential rates from 6.34%

Who's our product transfer range for?

Existing customers whose product is due to end
Whilst most customers whose account is outside of any early repayment charge period will be able to complete a product transfer, not all customers will have product transfer options available to them. We’ll run some initial checks on your customer’s account and let you know if a product transfer is available for them, such as making sure their account is up to date

When to use our product transfer range?