Network & Club Members

Networks and Clubs

For 50 years we’ve helped homebuyers, landlords, property investors and businesses with our common-sense approach to lending. The need for specialist lending is rising, and our experts make straightforward decisions based on individual circumstances. That’s why we’ve worked directly with network and club brokers to launch a new portal. Now, it’s speedy and simple to submit First Charge, Buy to Let and Consumer Buy to let cases.

Products that you can submit cases for

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First Charge Mortgage

01 Jan

Consumer Buy To Let

01 Jan

Unregulated Buy to Let

01 Jan

How to register

One common sense approach

Whenever you have a case that involves complex transactions, property, income or credit, we’re here to listen to you and do our best to find a solution. We’ll consider each of these individually, but we’re also happy to help when more than one - or even all - of these non-standard scenarios exist.

What's the best solution for complex transactions?

We’ll consider different types of properties including residential, semi-commercial, commercial properties and land (with or without planning permission or agricultural restrictions). These could include shared ownership, Right to Buy, unencumbered properties, HMOs and properties bought at auction.

What's the best solution for different types of properties?

We can help secure finance on many types of residential and commercial property, regardless of structure, usage, or valuation. This includes non-standard materials such as a concrete or timber frame, ex-council houses and flats above the fifth floor. We’ll also consider properties which are in poor general condition on valuation and self-build with a relevant building guarantee.

What's the best solution for complex income?

We’re pleased to assess many types of employment and income on their individual merits. This includes employed, self-employed, bonus and overtime, DWP benefits, private pensions, sole traders, zero-hours contracts, partnerships and limited companies. There is no minimum income requirement and we’ll also consider up to 100% of additional income.

What's the best solution for imperfect credit?

We’re able to consider clients with a less than perfect credit rating who may have had difficulties in the past, including CCJs. The only exceptions to this are cases where bankruptcy, IVA and debt management plans are involved.

New applications	Bridge - 24 hours Term - 48 hours
Underwriter requested documents	72 hours
Non-solicitors completions	24 hours
Solicitors completions	48 hours

New applications	48 hours
Underwriter requested documents	48 hours
Non-solicitors completions	24 hours
Solicitors completions	48 hours

Network and club members.

Get in touch with us on:

Networks and Clubs

Residential Calculator

Buy to Let Calculator

Lending criteria and product guides