New residential mortgage criteria and rates

Minor credit blips may push certain borrowers outside the ‘norms’ of the mainstream lenders, but we believe they are still very much credit-worthy, so we have the overall product offering, criteria and service to ensure they get the mortgages they deserve.

There are a growing number of borrowers who might best be described as ‘mainstream misses’ – essentially clients who, for any number of reasons, don’t meet the criteria requirements of the larger, high-street lenders. So many borrowers may have had ‘life happen’ to them, yet they actually show good affordability and strong mortgage repayment history, and we believe they should still have the opportunity to buy or remortgage if possible.

Try our affordability calculator and make someone happy today!

Our residential 2 and 5 year fixed rates are aimed firmly at these borrowers and, as long as they don’t have mortgage arrears in the last 36 months, the new residential product range (28 November 2019) should give some great opportunities to mortgage advisers and their clients.

What have we changed?

  • Increased maximum loan sizes
  • Now up to 90% LTV
  • Bank statements no longer needed in most cases
  • And more...

View our enhanced range

If you have clients who have these types of credit blips, contact your regional sales manager below, who will support you and your client.

Speak to your BDM

More from us


The latest landlord research – undertaken by BVA BDRC and carried out in March 2019 shows that portfolio landlords are more likely to be refinancing over the course of the next 12 months, however 29% of all landlords did take out a new remortgage in the last year.

Industry views

A range of technological advances continue to facilitate many business goals, customer demands and back office requirements. We are seeing investment in systems and solutions from all types of businesses as they look to streamline processes, integrate with partner developments or tap into additional income streams. But what about your clients, how do they view technology?


More and more landlords who are looking to purchase a buy-to-let property over the next 12 months intend to do so via a limited company vehicle.