Personal Loans
Unsecured borrowing from £5,000 to £250,000, priced to your circumstances.
Learn more
Home Loans
Residential mortgages, remortgage and bridging, including cases the high street declines.
Overview
High-value and non-standard mortgages are underwritten by a person who reads the whole file. Complex income, foreign earnings, portfolio landlords and unusual properties are where we do our best work, because those are the cases an automated decision engine cannot price.
Eligibility at a glance
- Aged 21 or over; maximum age at term end assessed case by case
- Deposit or equity typically from 15%, lower considered with supporting security
- Property must be in England, Wales, Scotland or Northern Ireland
- Independent valuation and legal representation required
What you get
The detail that matters.
Purchase and remortgage
Residential and buy-to-let, including portfolio landlords with multiple properties.
Interest-only considered
Where there is a credible and documented repayment strategy.
Complex income accepted
Self-employed, bonus-dependent, foreign-currency and multi-source income assessed on the evidence.
Bridging finance
Short-term facilities for chain breaks, auction purchases and refurbishment, with a defined exit.
Questions
Answers before you ask.
Do you lend to non-UK residents?
In defined circumstances, where there is a UK connection and the income is verifiable. Speak to us before applying so we can tell you honestly whether the case fits.
What is the maximum loan-to-value?
Usually 85% for residential and 75% for buy-to-let. Higher is possible with additional security or a guarantor.
How long does a mortgage take?
Six to eight weeks from application to completion is typical, though a bridging facility can complete considerably faster.
Also relevant
Ready to talk about home loans?
Apply online in about ten minutes, or speak to a specialist first.
