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.
Unlike some high street lenders, we don’t just rely on computers to make our lending decisions; we
use real people.
THE MORTGAGES WE OFFER
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 £80,000 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.
If 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.