Our Lenders

• Flexible with Missed Mortgage payments, CCJ's & Defaults
• LTI Boost range offering more than 5 times income
• Right to Buy cases with some adverse up to 100% of discounted price
• Cap Raise for Debt con up to 97.5% LTV
• Interest Only up to age 75, based on Interest Only affordability

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• Products available from just a 5% deposit*
• High LTV solutions – up to 95% (95% for purchases, 90% for new builds and remortgages)
• Adverse credit over 36 months typically disregarded
• Clients from anywhere in the world living in the UK – on a wide range of visas
• Minimum 6 months’ UK residency required
• Self-employed applicants – we consider complex income including:
   o Directors’ loan income
   o Retained profit
   o Forecasted income
• Enhanced income multiples for professionals up to 6.5x income
• Family deposit support from overseas accepted*
• First-time buyers and first-time landlords for buy-to-let welcome
• Consumer buy-to-let applications accepted

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• Mortgages up to Age 89 at APPLICATION (95 at end of term)
• 100% LTV for Family Mortgage no cash deposit required
• Joint borrower, sole proprietor up to 90% LTV
• Interest Only up to 80% No Minimum Income
• Ex-Pat mortgages for Residential or BTL

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• Almost ANY property type considered. (high rise, semi commercial, no standard)
• Self Employed 1 year AND projected income
• Almost all types of adverse considered
• RTB & Shared Ownership to 100% of Purchase Price
• Complex incomes considered alongside the above inc benefit income

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• Joint borrower, Sole Propietor
• Complex Income considered - particularly Self Employed
• Up 80% LTV Foreign National without IDLR
• Up to 4 applicants
• No Debt to Income restrictions

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• Almost ANY property type considered. (high rise, above/adjacent to commercial, Non Standard)
• Borrowers with impaired Credit
• Complex Incomes, Self Employed & Contractors (inc benefits, foster income etc)
• Max age 85, up to 6 x LTI
• Married Sole applicant Accepted.
  
  

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• 1 years trading and/or latest years income accepted
• CIS treated as Employed
• School fees & pensions ignored (up to age 70)
• Flexible on adverse credit history
  Up to 5.5 x income

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• Very flexible with Adverse Credit history & do NOT credit score
• Comms & Utilities defaults ignored along with balances under £500 for CCJ & defaults
• Up to 5.5 x income
• No max age if Income not required
• Day rate contractors considered from DAY ONE (with industry experience)

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• Very flexible with Adverse Credit history & do NOT credit score
• Comms & Utilities defaults ignored along with balances under £500 for CCJ & defaults
• Up to 5.5 x income
• No max age if Income not required
• Day rate contractors considered from DAY ONE (with industry experience)

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• Flexible with all types of Adverse Credit History
• Complex incomes and multiple sources
• CIS treated as employed, contractors treated as employed.
• Flexible on property type, High rise, non standard construction, isolated, rural > 3 acres
• 5.49 LTI for Key workers & 6.49 for Professionals - flexible LTI on referral

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• Interest Only, no Min income or Min Equity
• No max age at end of term
• Joint Borrower, sole proprietor across the range
• Ex-Pat’s acceptable for CBTL’s or BTL
• Credit Blips accepted
• Skilled worker & Spousal visa acceptable to 90%

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