Flexible solutions for CIS & zero-hours
Unlock more for clients with non-traditional income We offer flexible mortgage products designed for a wide range of contractors, including CIS and zero-hours clients. Giving you more options to place cases confidently. CIS workers We can support your CIS clients by accepting 12 months on the CIS scheme, or two years’ relevant experience if they have […]
Delays aren’t always a bad thing….
Have your clients ever wished they had a little bit of extra time to get their affairs in order before they needed to get their application through? On select cases, we can assess criteria on completion rather than application. This means we will manually override the DIP and assess your client’s profile from the completion […]
Introducing our new Purpose-Built Student Accommodation (PBSA) products
We’re pleased to introduce the latest addition to our Commercial product suite: Purpose-Built Student Accommodation (PBSA) with dedicated rates and criteria. We’re proud to have already financed several transactions in this sector and today’s addition to the proposition is designed to build on this in an evolving part of the market. Built with intent. Financed with […]
Borrowers with Blips? TML are Built for That
Credit histories across the UK are becoming more irregular, and for many borrowers, a single blip tells only a fraction of the story. The Mortgage Lender’s 2025 Home A-Loan research shows that 38% of adults have missed at least one bill payment within the year. Yet mortgage performance remains remarkably resilient, with just 5% reporting […]
Limited Company Buy-to-Let thought leadership
Limited Company Buy-to-Let thought leadership Leek Building Society is an independent mutual with over 160 years’ experience delivering savings and mortgages with a simple purpose: to be a force for good. Why specialist lending matters in a professional market We’ve seen the limited company buy-to-let (BTL) market undergo a massive transformation recently. What was once […]
Members Can Now Submit Direct to Saffron
Complex cases need flexible thinking. That’s why we’re pleased to announce that advisers can now submit cases directly to Saffron Building Society. Saffron takes a pragmatic, common-sense approach to underwriting, helping advisers place cases that may not fit the high street mould. Why use Saffron! First Time Buyers up to 95% LTV Joint Borrower Sole Proprietor […]
Semi-Exclusive Update
We relaunch our refreshed Buy to Let and Residential new business product ranges. Details of our updated range are below: Selected BTL products have been repriced, with product rates decreased by up to 0.10% Selected Residential products have been repriced, with product ranges decreased by up to 0.10% Product Transfer range products remain unchanged. residential-rate-sheet.pdf […]
Our specialist mortgages support your complex cases
UTB specialises in mortgage cases that fall outside of mainstream lending criteria and often that includes automated credit models. Using a flexible and pragmatic approach and experienced manual underwriting, we support complex and non-standard cases, giving brokers speed and certainty on every decision. How UTB supports specialist mortgage cases Up to 6x loan to income […]
Don’t miss our Mortgage Fraud Live Stream!
Join us for a live event about mortgage fraud on Wednesday 17 June from 10:30am to 11:15am Sign up today – don’t wait! What to expect You’ll be joined by a specialist from our Fraud Investigations and Intelligence Team who’ll give you an insight into: mortgage fraud basics current trends hints and tips to support you as a broker. Secure your […]
HTB Procuration Fee Update
Please note that the procuration fees for direct submissions on Specialist Buy-to-Let and Bridging business have been updated. Key Change: From 1st June, Bridging commissions have been reduced to 1.5% gross across all bridging products. Term loan commissions remain unchanged. Full details can be found on the website: Specialist BTL Procuration Fees Bridging Procuration Fees […]