Applications in individual name
Single houses
Single flats
Loans of £750,000+
Portfolio and non-portfolio landlords welcome
Applications in individual name
HMOs and student lets
Multiple units on one freehold
Loans of £750,000+
Portfolio and non-portfolio landlords welcome
For UK citizens temporarily living abroad
Minimum loan size £125,000
Applicants must own a UK property
Non-trading SPVs
UK-Based LLPs and limited companies
Maximum four directors
New mortgage products for existing customers
Online submission available for some accounts
No underwriting assessment required
For existing customers requiring larger loans
Term must not exceed that of the original mortgage
Exclusions apply on use of funds
Portfolio landlords
Residency
SPV, limited companies (Ltd) and LLPs
Expats
Rental income requirements
Using passing rent to calculate estimated loan size
Income-backed buy to let
Further advances
Source of deposit
Remortgages
Let to buy
Security
Exposure limits
Tenure
HMOs
Flats
Tenancy
Self-build
Application and product fees
Standard valuation fees
Legal fees
Direct debits
First-time landlords
Expanding a portfolio
Remortgages
Landlords with strong income
Low residential leverage
Low-yielding rent
Mortgage application form
Consents and declarations
Direct debit mandate
Buy to let property schedule
Mortgage application form
Consents and declarations
Direct debit mandate
Additional applicants application form
Buy to let property schedule
Business plan
Assets and liabilities statement
Further advance AIP and application form
Product transfer broker authorisation form
Solicitor instructions
Solicitor registration form
Certificate of title
Consent and undertaking
Mortgage deed
Mortgage terms and conditions
Deed of postponement
Product guide
Further advance guide
Broker portal user guide
Portfolio submission platform (BTL Hub) user guide
Fees and charges
Register
Log in to the portal
Select your journey
Produce an illustration
Submit an AIP
Submit your full app
Completion
Register
Log in to the portal
Select your journey
Produce an illustration
Submit an AIP
Submit your full app
Completion
Complete form
Completion
Use the correct online or paper process
Submit a product transfer request
Confirmation and completion
Contact us
Ensure eligibility
Gather required details and forms
Contact our team
Completion
For clients with a clear credit history
Contractors considered
Self-employed applicants considered
Loans of £500k plus
Asset-backed interest-only options available
No value limits on CCJs, arrears or defaults
Debt management plans satisfactory for 12+ months
Contractors and self-employed considered
Part own/part rent mortgages
Up to 100% maximum share value
Housing association must permit 100% staircasing
New mortgage products for existing customers
Online submission available for some accounts
No underwriting assessment required
For existing customers requiring larger loans
Term must not exceed that of the original mortgage
Exclusions apply on use of funds
Prime criteria
Near prime criteria
Shared ownership criteria
Employed and self-employed criteria
Contractors criteria
Self-employed income
Overtime
Commission
Limited company income
Rental income
Secondary incomes
Loan purpose
Minimum and maximum loans
Source of deposits
Remortgages
Further advances
Interest only
Flats
New builds, newly converted properties and renovations
Self-build
Shared ownership
Application and product fees
Standard valuation fees
Mortgage payments (direct debit)
Calculate your client’s maximum loan
For guide purposes only
Mortgage application form
Additional applicants application form
Consents and declarations
Direct debit mandate
Buy to let property schedule
Further advance AIP and application form
Product transfer broker authorisation form
Solicitor instructions
Solicitor registration form
Certificate of title
Consent and undertaking
Mortgage deed
Terms and conditions
Deed of postponement
Product guide
Further advance guide
Broker portal user guide
Portfolio submission platform (BTL Hub) user guide
Fees and charges
Register
Log in to the portal
Produce an illustration
Submit an AIP
Submit your full application
Completion
Complete form
Completion
Use the correct online or paper process
Submit a product transfer request
Confirmation and completion
Complete form
Completion
Contact us
Our broader criteria means contractors can access our near prime mortgages, with up to 85% LTV
View productsWith loans up to £3m and 75% LTV, our criteria could help you solve a range of complex expat cases.
View our expat criteriaOur near prime ranges offer up to 90% LTV, with no value limits on CCJs, credit issues and defaults.
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