When you’re looking to buy your first home, it’s good to know that our mortgages come with flexible lending criteria. It means that we can consider circumstances that mainstream lenders can’t always accommodate.
We design mortgages to meet the different needs and circumstances our customers have. They're specially arranged through approved mortgage advisers who will be able to talk you through the mortgages and options that could be available to you. And just so you know, for our residential mortgages you'll need to borrow at least £25,000 and the property must have a minimum value of £75,000.
We can work with all types of self-employees, whether you're a sole trader or company director. We'll work with your latest set of accounts, and we'll consider your application even if you’ve recently started a Limited Company.
LEARN MOREIf you're aged 40 or under and an NHS Clinician (including Paramedics & Nurses) Teacher, Firefighter, Policeman, or a member of the Armed Forces, we could lend you up to 5 times your income. Plus, we’ll also take overtime into account.
Learn MoreIf you want to do your bit to help the environment, our eKo Cashback Mortgage could be for you. We'll pay you £1,000 when you make improvements that make your home more energy efficient*.
LEARN MORESometimes only new will do so if you’re looking to buy a brand new property, we can accept your house builder’s deposit of up to 5%.
Traditional mortgages are usually created for those with a straightforward, basic salary but as a specialist lender, we can accommodate you if you have more than one source of income.
We’re proud to support a range of government-backed initiatives, including the Help to Buy equity loan and the Scottish First Home Fund scheme.