Residential

Lending expertise you can trust, with service to match

We’re one of the UK’s leading specialist residential mortgage lenders and the only one to operate across England, Scotland, Wales and Northern Ireland. With over 30 years of experience, we combine mortgage solutions, flexible criteria and exceptional service to help you place your cases, and keep them moving.

We understand your world

We know the pressures brokers face – managing expectations, navigating complexity and finding the right solution when a client’s circumstances don’t fit the standard criteria of mainstream lenders. That’s why our experienced sales and underwriting teams are here to give you the expertise and support you need, from initial enquiry through to completion.


Specialist mortgages that work for your clients

Needs based mortgages

Our mortgages help people with different circumstances including the self-employed, those with complex credit histories or multiple income streams.

Flexible criteria

When standard lending doesn’t meet your client’s needs, we can give you more options to find the right solution.

Competitive rates and fees

Our risk-based competitive rates, driven by expertise, experience and market insights offer value for your specialist clients.

Underwriting as individual as your clients

We believe every client deserves to be assessed on their individual circumstances. That’s why our expert, mandated underwriters take a thoughtful and pragmatic approach, working with you to understand the full picture rather than relying on credit scoring – even for first time buyers.

Based across the country, they give you access to local knowledge and insight into regional demographics, employment trends and property types. This expertise helps us to understand the wider context of cases and make more informed lending decisions for your clients.

Did you know...

On submission of your case, you get an assigned mandated underwriter to work with you.

A culture built on service excellence

Whether you’re placing your first case with us or you’ve been placing cases for years, you can expect the same level of service and support.

As an intermediary only lender, our focus is on providing the service, practical support and partnership you need to help your clients whether they’re buying a home, remortgaging or are eligible for a product transfer.

Did you know...

Our average app to offer time can be reduced by up to 25% when you liaise directly with the underwriter assigned to your case.

Expert support – from application to completion

Pre submission support

Specialist cases support teams

Regionally based field team to help fill knowledge gaps and identify market opportunities. Telephone BDMs help you match products, criteria and rates to your clients’ circumstances.

Flexible support

You choose how you communicate with us - telephone, face to face, virtual or webchat. Or ask our 24/7 online lending criteria chatbot. 

Soft search DIP

Soft search DIP to help you find the right products without impacting your client’s credit score. Plus, we don’t charge upfront app fees.

Post submission support

Dedicated case underwriter

Your assigned mandated underwriter will call you once your case has been received. Plus, we have a dedicated New Build underwriting team.

No credit scoring

We don’t rely on credit scoring. All lending decisions are made by our experienced underwriters.

New Business Assistants

As well as secure portal messaging and case updates, our team of New Business Assistants help you with case progression via telephone or web chat.


We're always looking to raise the bar

Whilst we’re proud of our Trustpilot broker score we’re always looking for ways we can serve you better.  That’s why your feedback matters so much. It helps us to improve, evolve and deliver an even better service for you.

Did you know...

Our average Trustpilot broker satisfaction score is 4.6

Awards we're proud to have won


Here’s how many people we’ve helped own their home or buy to let property

Loans completed since 2015