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 to 85% LT
• Multiple income sources considered, including bonus, commission, second employment, foster income and maintenance
• Contractor income assessed flexibly using day rate × 48 weeks
• Interest only options available, with affordability assessed on the interest-only payment
• Manual underwriting, with cases assessed on their individual merits rather than automated credit scoring

Before declining a case, please speak to UTB

A case that doesn’t fit an automated system, or another lender’s criteria, may still sit comfortably within UTB’s specialist lending appetite. Our experienced underwriting and sales teams go further, looking beyond rigid criteria, understanding the full picture and doing everything they can to say ‘Yes’.

For new case enquiries, contact our Specialist Sales Team on 020 7031 1551 or email mortgage.enquiries@utbank.co.uk