It’s not uncommon to have an outbuilding that’s been converted into living accommodation. That's why we don't shy away from lending on an annex.
We know applications come in all flavours, not just vanilla.
We are known for our common sense approach to underwriting. Our personal and flexible underwriting decisions are made by experienced underwriters and not computers. We deal with and approve cases based on the applicants’ individual circumstances.
Why not try us with your non-vanilla applications?
- We don’t credit score, our cases are manually underwritten and individually assessed
- BTL, Ex-Pat, Holiday lets and Ltd Co BTLs through SPVs - we consider client's surplus income as well if the ICR doesn't work (read about our top slicing)!
- Retirement and later life lending options – RIO and maximum borrowing age to 90 on standard residential products
- Multiple buildings on the same title considered - semi commercial, B&B’s, Barn renovations and new builds
- Self-employed and contractors mortgages including directors loans, retained profit, 1 years accounts on our standard residential products
- All types of income are considered including income earned outside of the UK
- Lending for business purposes Contact us to discuss your client’s requirements today.
- Our Helpdesk is available 9am – 5pm, Monday to Friday.
Call us today to discuss your non-vanilla cases on 01635 918 000