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
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.
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