Who we are

We’re the specialists in specialist

We work together with our expert intermediary partners to simplify the complexities of mortgage lending with one single aim, to help more people find a place to call home.

Get life moving for your next specialist customer.

All you want is a quick answer when you need it

When your customer is chasing you for an update, the last thing you want is to be chasing the lender ending up in dead ends with crossed lines and mixed messages. Get all the support you need before, during and after your application with direct access to our Underwriters via the V-Hub.

What we do

Residential:

• First time buyers welcomed
• Up to 97% LTV
• Fee Saver options
• Impaired credit and low credit scores – minor unsecured arrears in the last 6 months considered
• Specialist properties – flats above/adjacent commercial including pubs and petrol stations, New Build, Ex Local Authority
• Flats - no restriction on number of storeys or availability of lift, balcony access considered
• Debt Management Plans, CCJ’s and secured arrears considered
• Self employed and contractors (including day 1 contractors) welcomed
• Debt consolidation up to 85% LTV
• Complex incomes and second job income considered
• Enhanced residency criteria for Visa’s
   

Buy To Let:

• Fee Saver options
• Professional landlords – unlimited portfolio size (£4m with Vida)
• First Time Landlords, up to scheme limits
• HMOs and MUBs considered even where no landlord experience
• Specialist properties – flats above/adjacent commercial, New Build, Ex Local Authority
• No minimum income
• ICR (Income Calculation Ratio) of 125% for SPVs and 140% for higher rate tax payers
• Limited Company SPVs accepted across whole BTL range
• Expats – existing property owners living or working in selected Worldwide countries. Also, with no minimum income requirements
• Speak directly to Underwriters about your case through the V-Hub!

Service Pledge – excellent service or the admin fee back!