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Mortgage products

Through a combination of flexible criteria, manual underwriting, no credit scoring and a common-sense approach, we provide mortgage products to help your clients maximise their borrowing potential.

Income Flex Mortgages

Our Income Flex mortgages are available for those who require some extra help or understanding of their circumstances around income.

Credit Flex Mortgages

Our Credit Flex mortgages are available for those who require some extra help or understanding of their circumstances around their credit history.

Flex Together – JBSP

Flex Together is our enhanced JBSP mortgage, allowing up to four borrowers on a mortgage application (including family members and friends). Tailored Term is also available to add for even greater flexibility.

Skilled Worker Visa Mortgages

Supporting skilled foreign workers in the UK with owning their own home. The mortgages has no minimum income requirements, no minimum residency within the UK and much more flexible criteria.

Buy to Let Mortgages

Our Buy to Let mortgages are designed to support new and existing landlords, who are looking to maximise their borrowing potential or expand their portfolio.

Topslicing

Suitable for applicants wishing to purchase a Buy To Let property but the rental income doesn’t meet minimum interest cover ratios but can use personal income to top-up the rental income.

Tailored Term

Our Tailored Term is a ‘made-to-measure’ add-on element which can be applied to any mortgage from our product range. It is customisable and allows multiple applicants to share the cost of the mortgage over separate time frames.

Specialist Mortgages

Our specialist products are for cases outside of standard criteria, including concessionary purchase, second residential, or maybe you’re needing to use a mixture of credit and income flex? These cases need referring to our team first please get in touch.

Standard Mortgages

Our standard mortgage range is available to those who fit our usual criteria, including JBSP and Later Life and don’t need to use our Flex or Specialist range.

Self-build solutions

We currently offer self-build solutions via our exclusive partner BuildLoan, the UK’s leading provider of construction finance.

Explore our website to find what you need or click below, and get in touch with a member of our team.

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