Pepper Money

  • NEW - Residential 2 Year Fixed Exclusive
  • Residential rates from 3.53% and up to 85% LTV
  • Revolving credit - Missed payments considered
  • Secured arrears considered
  • NEW – Buy-to-Let 5 Year Fixed Exclusive
  • Buy-to-Let rates from 4.17% and up to 80% LTV
  • Revolving credit - Missed payments considered
  • Secured arrears considered

Kensington

  • NEW - Residential 95% LTV Exclusive rates from 4.64%
  • Failed Credit Score and self-employed mortgages considered
  • Consider up to 100% of bonus income
  • Defaults and CCJs (including unsatisfied) considered
  • Buy to Let HMO & MUB - rates from 3.44%
  • Up to 80% LTV
  • Applications from Limited Companies may be acceptable
  • Select 85% LTV Exclusive
  • CCJs, defaults and unsecured arrears over 36 months ignored
  • Communications defaults ignored
  • Consider up to 100% bonus income

Together

  • NEW - BRAND NEW 2 Year Fixed Rate First Charge Product
  • Arrangement fee reduced to £1,495
  • Rates from 5.49%
  • Most income and property types considered
  • LTV up to 75% 
  • LOWEST EVER Second Charge Prime Product
  • Rates from 5.34%
  • Employed, self-employed, freelancers, contractors, those on zero-hour contracts, retired people, and those on benefits considered 
  • Loans between £25,000 and £1 million 
  • LTV up to 77.5% 
  • Some adverse considered
  • Bridging Exclusive
  • Rates from 0.49%
  • Unmortgageable and non-standard property accepted by referral
  • Many status profiles considered
  • Wide variety of income sources accepted
  • LTV up to 75%
  • Commercial Exclusive
  • Up to 75% LTV
  • Commercial and residential investment considered
  • Loans between £30K and £500K
  • Buy-to-Let Special Plan
  • Standard Buy-to-Let, HMOs, Holiday Lets and Semi-Commercial Property considered
  • First and Second Charge options available
  • CCJs, arrears and defaults considered
  • Bankruptcy and IVA considered by referral

The Family Building Society

  • Buy-to-Let 5 Year Fixed Rate Mortgages
  • Rates from 3.44% 
  • Purchases and remortgages up to 70% LTV
  • Available on repayment and interest only basis
  • Interest Only Fixed Rate Mortgages - 2 and 5 Years
  • Rates from 2.99% 
  • Purchases and remortgages up to 80% LTV
  • £250 cashback on completion
  • Minimum loan amount of £250,000

The Mortgage Lender

  • Buy To Let 3.49% 5 Year Fixed Rate
  • 2 Year Fixed Rates from 2.99%
  • £500 Cashback on residential mortgages
  • 2 Year Fixed Rates from 3.29%
  • CCJs, IVAs and bankruptcy considered
  • Up to 85% LTV

Bluestone

  • Exclusive Sapphire Products
  • Discharged bankruptcy from 12 months
  • Current IVA’s, cleared on completion
  • Accept 75% of benefit income (DLA, Carers Allowance, Child Benefit, WFTC) if 2 years remaining and not primary source of income
  • Max 30% of household income

Click here for the Exclusive Guide

Magellan Homeloans

  • Fee Assisted Residential Mortgage Range
  • Up to 85% LTV
  • Up to 4 applicants considered
  • Complex employment structures, self-employed and contractors accepted

Precise Mortgages

  • Premier Panel Exclusive Bridging Finance rates from 0.54%
  • Available for Regulated Bridging Finance and Property Investor Finance
  • 2% Facility Fee and no Exit Fee
  • Loan size Minimum £50,000 - no maximum loan size
  • Buy to Let - 5 year fixed rates
  • Rates from 4.49% and only 3 years ERC
  • Individuals and limited companies considered
  • Portfolio limit of 20 properties 

Masthaven Premier Panel Range

  • Bridging Plus
  • Dedicated senior underwriters for loans over £750k up to £5m
  • Rates from 0.48% for Prime and customised pricing for Standard 
  • First charge and second charge options
  • Enhanced commissions
  • Prime and Standard Premier Panel Bridging
  • Up to 75% LTV on prime and 65% on standard considered
  • Rates starting at 0.48% per month
  • Options for both first and second charges
  • Internal refurbishment and extensions considered
  • Premier Panel Light Development 
  • Rates starting at 0.78% per month
  • Up to 60% of purchase price and 100% of build costs considered
  • Drawdowns available from Masthaven
  • Premier Panel Development Finance
  • Rates starting at 0.95% per month
  • Ground up development, including self-build, barn conversions and extensions considered
  • Maximum loan to GDV 60%, including interest rolled up considered
  • Premier Panel Commercial
  • Rates starting at 0.99% per month
  • Maximum LTV 60% including interest rolled up considered
  • Lending in England, Wales and Scotland