We are pleased to announce that Handelsbanken has joined the Connect lender panel.
Handelsbanken is known for its relationship-led approach, local decision-making and manual underwriting expertise, making it a valuable option for clients whose circumstances may not fit a standard lending model.
Why Consider Handelsbanken?
Manual underwriting for more complex cases
Handelsbanken’s manual underwriting approach to lending works effectively with non-standard property and/or combining a range of multiple income streams.
Non-standard property considered. Examples of properties they are able to consider include:
- High-value properties
- Large acreage properties (subject to no ties)
- Properties with outbuildings or annexes
- Properties with unusual characteristics or construction types
- Second homes and holiday homes
- Properties with the ability to be let via Airbnb (up to 146 days per year)
Flexible lending scenarios. Handelsbanken can consider:
- Up to 4 borrowers and 4 on the mortgage deeds, any combination of this
- Day one remortgages
- Clients who have purchased in cash
- Properties purchased at auction
- Inherited properties
- Interest-only lending up to age 75
- Repayment lending up to age 80
Multiple income streams accepted. There is no limit to the number of income streams Handelsbanken can accept (subject to acceptable income types).
Income can include:
- Salary
- Bonuses
- Rental income
- Investment income (High Net Worth clients only)
- Pension income
- Restricted Stock Units (RSUs)
Where income requires a more hands-on approach, Handelsbanken is happy to work directly with both the client and their accountant or financial adviser.
What Makes Handelsbanken Different?
Direct access to decision-makers
Applications handled locally by experienced teams
Opportunity to discuss cases before submission
Regular updates throughout the application journey
Relationship-led lending focused on understanding the full client story
Getting Started
If you have a case you’d like to discuss, Handelsbanken welcomes adviser engagement from the outset and can provide guidance on suitability before a full application is submitted.
With 120+ branches nationwide, Handelsbanken has dedicated Private Banking Managers supporting intermediaries across local regions.
To access Handelsbanken through Connect, contact your local BDM.