RESIDENTIAL MORTGAGES
Cut the Complex for your clients who don’t always fit the mould
Home ownership isn’t a ‘one size fits all’. We have a Residential mortgage range that supports, even when clients may not meet the traditional High Street criteria. If they are self employed, have unusual incomes, or have had credit histories, we could help.
Loans up to
£1.5 million
Terms length
7-40 years
Max LTV
90%
Rates from
5.14%
USE CASES
How our Residential range can help your clients
For a long time, High Street lenders with vanilla criteria have dominated residential lending. But that world is changing, life isn’t as straightforward where everyone fits a similar mould. That’s why we have built mortgage features that can support the real scenarios that people face in every day life. These features aren’t mutually exclusive, and some of your clients may experience more than one of these circumstances at a time. We can cut the complexity from:
Self-employed
Credit impaired
Key workers
Complex incomes
Interest only
Qualified professionals
Reliable lending, delivered quickly
Reliability
A 14-year record of delivering financial solutions for customers and their properties. Our expert underwriters are there to help you support your customers.
Keeping it simple
Built with brokers, our purpose-built residential mortgage portal makes every enquiry and application simple, giving you a reliable credit-backed DIP.
Faster through technology
Our technology works as you work, carrying out credit searches, assessments and automatic affordability checks while you complete a DIP to deliver faster decisions.
APPLICATION PROCESS
A fast and simple process via our broker portal
Submit and manage your customers’ cases in one place.
Step 1: Submit your case online
Step 2: Receive your DiP
Step 3: Complete your application
Step 4: Manage progress in one place
SERVICE LEVELS
Our current processing times
Last updated: 17/06/2025
Time to answer (phone)
10 seconds
Time to answer (online)
10 seconds
DIP Review
1 hours
Packaging and valuation instruction*
24 hours
Valuation assessment / Offer**
24 hours
Documentation review
24 hours
* With a fully packaged case
** Providing all packaging requirements have been satisfied or met
** Providing all packaging requirements have been satisfied or met