WELCOME TO THE MORTGAGE LENDER

WHAT DO WE DO? WELL, THE CLUE’S IN THE NAME.

WE LOVE TO LEND.

We have an idea that ‘special’ really is the new normal. Nowadays, it’s perfectly normal to be freelance or self-employed. It’s also perfectly normal to be single or divorced. Or indeed to have slightly more complicated circumstances.

IT’S CALLED REAL LIFE.

Holy bat phone – get a direct line to our underwriters.

Arrear of the year – we don’t consider arrears or defaults on utilities or communications as impaired credit.

Human beans – Not bean counters.  We pay attention to what real people tell us.  Sayonara to specialist, hello to real life lending.

Residential lending

We know people come in all shapes and sizes, so our range of products treats them as individuals.

Each to their loan - What other lenders might call ‘unusual’ is all in a day's work for us. We’re offering mortgages of up to £1 million to borrowers with slightly more complicated circumstances.

Normal? Nonsense! - Not all of us fit in a neat little box. When your customers fill in our forms, the ‘other’ box is already ticked.

85% for those that give 100% - People that work for themselves work hard. At 85% LTV, our new products are designed to help the square pegs leave the round holes.

Buy to let lending 

They want to buy and then let it out?  They’ll need a buy to let mortgage then. 

The floors the limit - Some of our competitors have a minimum earned income amount for borrowers. We don’t.

Abnormal service has resumed - We offer up to 80% LTV for individuals, Ltd companies and HMO, and other people some lenders do not consider normal.

Och aye the no - Many of our competitors only lend in England and Wales, ignoring poor old Scotland. We would never do that.