K-hub & Service Levels

As we continue to grow we want to continue to provide excellent sales support to our broker partners and so have restructured the field BDM team to ensure consistent service across the whole nation.

Phillip Pinson and Stephen Chitty have been promoted to Regional Sales Managers for the North and South respectively, whilst retaining their existing BDM positions. Sharan Cochrane has also been promoted to Regional Sales Manager for Scotland and Northern Ireland.

Both Phillip and Stephen will have the 4 x regional BDMs in their area reporting into them, as we maintain our strong 11-person field sales team. The remit of our BDMs remains the same, educating brokers and expanding their businesses by identifying opportunities for growth and development.

Our Professionals mortgage offers enhanced affordability to take into account the earning potential your clients have, allowing them to borrow up to 6 x their income.

Already available to Chartered accountants, Actuaries, Barristers, Commercial pilots, Dentists, Medical doctors and Solicitors, we have now expanded upon the professions that we can accept to include:

• Architects
• Chartered engineers
• Chartered surveyors
• and Veterinary surgeons

To qualify for our Professionals mortgage, your client needs to be registered with the appropriate UK professional body, and be fully qualified and practicing in their specific field.

We’ve put together a handy guide so you can see what documents we require depending on your application.

The first page is a submission checklist and page two includes some helpful hints and tips – all designed to help you get your clients’ case submitted right first time.

An innovative product that features lower rates during the initial 2 or 5 year fixed term by using the house builder's incentive towards the mortgage.

Suitable for first time buyers and home movers purchasing an eligible new build property from an approved house builder.

• Lower rates during initial 2 or 5 year fixed term
• Up to 90% LTV available
• Maximum loan £1.5m up to 85% LTV, £1m up to 90% LTV
• Select criteria applies

Available exclusively via approved brokers who are registered with Own New.

For more information on how to register and a list of approved house builders, please visit Own New.

Providing greater affordability for your landlord clients requiring a simple income ratio proposition.

The detail:

• Up to 75% LTV
• Assessed at the higher of initial payrate or 5%
• Available to Limited Company at the same rates
• Offered on our standard, green mortgage and HMO/MUB ranges
• Appears as a separate product on sourcing systems: BTL Prime

   

Resi
Reduced rates on selected products from 82.5% - 95% LTV.

• 75% LTV | 2 year fix | 3% Fee | Free Val | 4.64%

Plus, we've launched two new HMO/MUB specials:

• 75% LTV | 2 year fix | 3% Fee | 4.75%
• 75% LTV | 5 year fix | No Fee | 5.84%

• Shared Ownership, HTB, RTB
• Select, Core, Resi 6 and Resi 12
• Special rates now from 4.99% (5 year fixed, 70% LTV, £999 fee).

• Special rates now from 3.89% (2 year fixed, 70% LTV, 5% fee).

We’re pleased to be adding 1 year fixed rate options to our Resi and BTL products (including limited company), for purchase and remortgage:

• 75% LTV, £999 fee, 6.04%
• 80% LTV, £999 fee, 6.09%
• 85% LTV, £999 fee, 6.49%

• 75% LTV, 2% fee, 4.49%
• 80% LTV, 2% fee, 4.94%

The 5 year Step Down fixed rate option provides an initial fixed rate for the first 2 years, followed by a lower fixed rate for the remaining 3 years, giving your client an overall saving compared to the equivalent Resi 6 or 12 5 year fixed rate.

Please note that sourcing for Step Down fixed rate will vary depending on your sourcing system of choice.

For Mortgage Brain, Trigold and 27tec, please see our "FAQ: How do I source the Step Down fixed rate?" on the Resi 6 or Resi 12 landing page.