Need new solutions for your clients?
No matter the challenge Let’s find a way to create a better market, together. Getting on the property ladder is harder than ever for your clients. But our promise to you is to get you faster decisions, clearer answers, and practical solutions you won’t always find elsewhere. To give you what you need to get your […]
Expat BTL: more opportunity than you might think
At a recent Mortgage Introducer discussion, Paul Roberts, Senior Account Director, and Stuart Heavens, Business Development Manager, at Family Building Society shared their views on the evolving Expat Buy to Let market. While headlines focus on landlords exiting, many clients moving overseas are keeping hold of UK property, whether to let out, remortgage, or build portfolios. […]
Enhancements to Criteria
Here are some recent enhancements to criteria that many brokers may not yet be aware of. Why LiveMore? LiveMore specialises in lending to clients aged 40+, particularly those who may face challenges with mainstream lenders around age and affordability. Key features include: Generous affordability – up to 9x income, with flexibility for both employed and […]
LTVs Across the UK
We’re back refreshed and ready to help with your next case — and we wanted to share a quick reminder of our lending appetite across the UK: England – up to 75% LTV Wales – up to 75% LTV Northern Ireland – up to 75% LTV Mainland Scotland – up to 75% LTV Scottish Isles […]
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 […]
What’s not to love with 100% Mortgages?
A 100% mortgage may be a new thing for many lenders but, here at the Beverley, we’ve been providing these for years, based on the criteria below… Very competitive interest rate (4.99% 3 year discount*) Virtual deposit – 20% security charge over family members property Credit search – no credit score No minimum income threshold Affordability based […]
98% LTV? How about 100% LTV
With the launch of another good high LTV option in the mainstream market I wanted to remind you about our 100% Family Mortgage product which, could be another option for you and your clients, don’t forget, OUR product isn’t Limited by CREDIT SCORE nor does one applicants need to be a FTB and is available up to £750k 100% Family Mortgage Available for; First […]
Secured Loans Made Simple
The Nationwide Broker Division was established in January 2022 with the objective of providing brokers with an alternative funding route where suitable solutions could not be identified through conventional lending channels. The division was designed to address gaps in the market by offering a more flexible and commercially focused approach to lending. Since its establishment, […]
Demand for social housing continues
As the demand for social housing continues to rise, more private landlords are choosing to collaborate with Local Authorities to provide essential accommodation across a diverse range of community needs. To support this growing sector, we’re enhancing our lending criteria and introducing a more streamlined legal process, which means we can support your clients with reliable and straightforward […]
Specialist landlords rising, brokers in demand
At a recent Mortgage Introducer roundtable, Paul Roberts, Senior Account Director at Family Building Society, and Martin Sims, Distribution Director at Molo Finance, explored how BTL is evolving. Accidental landlords are exiting, specialist portfolios and limited companies are moving centre stage, and international capital keeps flowing into UK property. In a volatile BTL market, brokers are being […]