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Residential mortgages in detail

Our common sense approach could make getting your client a residential mortgage easier than you think.

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Whatever type of property a customer is looking for or living in, we have a wide range of mortgage and remortgage products to suit their needs. These include both capital repayment and interest only options.

Our common sense approach means that we take every mortgage application on its own merits, looking at every customer as an individual and making a common sense decision based on all of the facts. So, whether a customer has a non-standard purchase type, property, income source or credit profile - or even a combination of all four - we’re happy to work together to find the right solution.

Mortgages as individual as your circumstances

We are here to provide mortgage and remortgage funding to suit a wide range of scenarios.

Property types
  • All residential property types
  • Ex-council
  • Maisonettes and flats with any number of floors
  • Defective properties or those with poor remarks on valuation
  • Self-build with a relevant building guarantee
  • Non-standard construction including timber framed or concrete.
Income sources
  • No minimum income requirements subject to affordability
  • Pension: state and private
  • Self-employed with 12 months trading
  • Child, disability and DWP benefits
  • Short-term and zero hours contract workers
  • Overtime: up to 100%
  • Bonus: up to 100%
  • Family gifted deposit
  • Rental income: up to 100%.
Credit profiles
  • Perfect to imperfect and no credit history
  • Missed payments on unsecured loans
  • Satisfied and unsatisfied CCJs and defaults
  • Mortgage and secured loan arrears.
Purchase types
  • All standard residential properties
  • Right-to-buy: up to 100% of discounted price
  • Shared ownership: up to 100% of share price
  • Mortgages on unencumbered properties.
Our criteria

Not only are our residential mortgages designed to provide common sense decision-making, our lending criteria give customers a great deal of flexibility.

Key criteria
  • Mortgages and remortgages from £3,000 to £1m (depending on credit profile)
  • Capital repayment and interest only options
  • Variable rate and fixed rate options.
  • Borrow over 3 to 40 years

Work in the professional sector and looking to introduce a client? Find out more.

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Request a call back

Our Broker Relationship Team are here between 9am – 5pm. You can call them on 0161 451 3154 or simply fill out the form below and one of the team will be in touch shortly.