Who we are.
As one of the UK's leading specialist lenders, we've been bringing common sense to the mortgage market for more than 40 years
We take an individual view of broker and client needs. That means looking beyond mainstream lending criteria and working in partnership with brokers to consider all client circumstances. It’s simply the difference between common practice and common sense. What's behind our common sense approach?
With over 550 employees and a wealth of experience in specialist lending, we have a team of people to help provide common sense solutions across our product range including:
- Commercial mortgages
- Second charge mortgages
- Consumer Buy-to-let
- Auction finance
- Development funding
Multiple scenarios: one common sense approach
Whenever you have a case that involves non-standard purchases, property, income or credit, we’re here to listen to you and do our best to find a solution. Not only are we happy to consider each of these individually, we can also help when more than one - or even all - of these non-standard scenarios exist.
We’ll consider non-standard property types 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.
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.
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.
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.