The big drop.

Major rate reductions, plus no fees on selected limited edition products.
What's New

What's New

New limited edition products with major rate deductions and no product fees
  • Limited edition rates from 5.79% with no product fees
  • Competitive pricing for adverse customers on products from 85% LTV
  • Revert rates reduced by up to 2%
  • Available at 85% LTV on Tiers 0-4 and 80% LTV for Tier 5
What's New

What's New

New limited edition products with lower rates
  • Core and limited company available on Tiers 1-3 with rates from 3.99% plus a 5% fee
  • HMO Tier 1 and Tier 2 rates from 4.14% plus a 5% fee
  • No restriction on loan size
  • Up to 75% LTV
What's New

What's New

Refurbishment buy to let range
  • Standard rates from 5.64%
  • EPC C+ refurbishment rates from 5.44%
What's New

What's New

Bridging rates reduced by 0.05% on selected products
  • Standard and Tier 1 Light Refurbishment 70% and 75% LTV reduced by 0.05%.
  • Tier 2 Heavy Refurbishment reduced by 0.05% across the range.
What's New

What's New

Product transfers
  • Residential rates now from 6.34% 
  • Buy to let rates now from 4.74%

Our Products

Residential
  • No fees on limited edition products
  • Core rates from 5.59%
  • Up to 85% LTV
  • Loans from £25,001 to £2m
  • Adverse credit profiles accepted
Help to Buy
  • Rates from 6.79%
  • Up to 75% LTV
  • Historic adverse accepted
  • Loans from £25,001
  • Help to Buy purchase (Wales) and Help to Buy remortgage accepted.
Right to Buy
  • Rates from 6.79%
  • Up to 100% discounted purchase price
  • Historic adverse accepted
  • Loans from £25,001 to £1m

Product Information

Residential
Highlights and Features
  • No fees on limited edition products
  • Core rates from 5.59%
  • Up to 85% LTV
  • CCJs, defaults, mortgage and secured loan arrears, active and satisfied DMPs and unsecured arrears accepted
  • Loans from £25,001 to £2m
  • Adverse credit profiles accepted
  • Home movers
  • Remortgages
  • New build purchases
  • First-time buyers
  • Customers looking for an alternative to high street lenders 
  • Customers with adverse credit history
  • Self-employed customers with only 1 year’s accounts 

Product Information

Help to Buy
Highlights and Features
  • Rates from 6.79%
  • Up to 75% LTV
  • Historic adverse accepted
  • Historic CCJs, defaults, DMPS and mortgage and secured loan arrears accepted
  • Loans from £25,001
  • Help to Buy purchase (Wales) and Help to Buy remortgage accepted.
  • Customers buying new build properties
  • Existing Help to Buy customers looking to remortgage
  • 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

Product Information

Right to Buy
Highlights and Features
  • Rates from 6.79%
  • Up to 100% discounted purchase price
  • Historic adverse accepted
  • Historic CCJs, defaults, DMPS and mortgage and secured loan arrears accepted
  • Loans from £25,001 to £1m
  • Customers buying their social housing property
  • Purchase only
  • Houses only
  • England only
Personal Ownership Landlords
  • Limited edition rates from 3.99%
  • Core rates from 4.14%
  • Up to 80% LTV
  • Single dwelling, HMO and MUFBs
  • Loans from £40,000 to £3,000,000
Limited Company Landlords
  • Up to 80% LTV
  • Single dwelling, HMO and MUFBs
  • Top slicing available
  • Loans from £40,000 to £3,000,000

Product Information

Personal Ownership Landlords
Highlights and Features
  • Limited edition rates from 3.99%
  • Core rates from 4.14%
  • Up to 80% LTV
  • Single dwelling, HMO and MUFBs
  • Loans from £40,000 to £3,000,000
  • First-time landlords
  • Experienced landlords
  • Consumer buy to let
  • Landlords looking to purchase a new property
  • Landlords looking to remortgage an existing property

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
  • First-time landlords
  • Experienced landlords
  • Landlords looking to purchase a new property
  • Landlords looking to remortgage an existing property
Standard Refurbishment
  • 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
EPC C+ Refurbishment
  • 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

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
  • 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.
  • Standard refurbishment to make a property habitable.

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
  • Landlords looking to refurbish a property to maximise the rental yield.
  • 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
Standard and Tier 1 Refurbishment
  • Rates from 0.69%
  • Up to 75% LTV
  • AVMs available up to 60% LTV, and with no fee
  • Regulated and non-regulated
  • No maximum loan amount
Tier 2 Heavy Refurbishment
  • Rates from 0.74%
  • Up to 70% LTV
  • Regulated and non-regulated
  • No maximum loan amount

Product Information

Standard and Tier 1 Refurbishment
Highlights and Features
  • Rates from 0.69%
  • Up to 75% LTV
  • AVMs available up to 60% LTV, and with no fee
  • Regulated and non-regulated
  • No maximum loan amount
  • 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
  • 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

Product Information

Tier 2 Heavy Refurbishment
Highlights and Features
  • Rates from 0.74%
  • Up to 70% LTV
  • Regulated and non-regulated
  • No maximum loan amount
  • Extensions
  • Loft conversions
  • Single unit to multi-unit
  • Multi-unit to single unit
  • Multi-unit properties currently at 'wind and water tight' stage that require completion
  • Barn conversions
  • Conversion of a commercial unit into a maximum of 4 flats
  • Landlords looking to change the use of a residential property to a HMO with up to 10 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
  • 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
Product Transfers
  • Buy to let rates from 4.74%
  • Residential rates from 6.34%

Product Information

Product Transfers
Highlights and Features
  • Buy to let rates from 4.74%
  • Residential rates from 6.34%
  • 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
  • We can accept product transfer applications from 3 months before the existing product ends
Image of a Chicken Egg Timer

Our Processing Times

Happy & Healthy
Happy & Healthy
Happy & Healthy
Happy & Healthy
Happy & Healthy
  • AIP = Auto decision
  • New applications = 2 working days
  • Additional document = 2 working days

Our Processing Times

Residential

AIP
Agreement in principle: 24 hours

Application
Pre offer - Initial underwriting: 2 working days
Document assessment: 2 working days

Valuation
Percentage of valuations completed within 10 working days: 77%

Offer
Time from application to offer: 17 working days

All times shown are based on average working days

Last updated 02 December 2024.
  • AIP = Auto decision
  • New applications = 2 working days
  • Additional document = 2 working days

Our Processing Times

Buy to Let

AIP
Agreement in principle: Auto decision

Application
Pre offer - Initial underwriting: 2 working days
Document assessment: 2 working days

Valuation
Percentage of valuations completed within 10 working days (Buy to let): 67%
Percentage of valuations completed within 10 working days (HMO, MUB): 54%

Offer
Time from application to offer: 17 working days

All times shown are based on average working days

Last updated 02 December 2024.
  • AIP = 24 hours
  • New applications = 1 working day
  • Additional document = 1 working day

Our Processing Times

Refurbishment Buy to Let

AIP
Agreement in principle: 24 hours

Application
Pre offer - Initial underwriting: 1 working days
Document assessment: 1 working days

Valuation
Percentage of valuations completed within 10 working days (Light refurbishment): 81%

Offer
Post offer (completions): 2.5 working days
Time from application to offer: 20 working days

All times shown are based on average working days

Last updated 02 December 2024.
  • AIP = 4 hours
  • New applications = 1 working day
  • Additional document = 1 working day

Our Processing Times

Bridging

AIP
Agreement in principle: 4 hours

Application
Pre offer - Initial underwriting: 1 working days
Document assessment: 1 working days

Valuation
Percentage of valuations completed within 10 working days (Standard bridging): 81%
Percentage of valuations completed within 10 working days (Light refurbishment): 81%
Percentage of valuations completed within 10 working days (Heavy refurbishment): 81%

Offer
Post offer (completions): 2.5 working days
Time from application to offer: 16 working days

All times shown are based on average working days

Last updated 02 December 2024.
  • AIP = NA
  • New applications = NA
  • Additional document = NA

Our Processing Times

Product Transfers

5 days from receipt of authority to produce the KFI.

5 days from request for offer to produce offer.

5 days to process offer acceptance.

Signed acceptance of offer required at least 1 clear calendar month before current mortgage product ends.

Last updated 02 December 2024.

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