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For Intermediaries only. Not for public use.

Why choose us?

Just some of the reasons why you should choose us.

No credit scoring

We are manual underwriters and don't use credit scoring in our process

Manual underwriting

Our Mortgage Referrals Committee meets daily at 3pm to discuss unusual business enquiries

Individual circumstances

We consider individual circumstances when making the lending decision

Areas of niche lending:


Joint borrower sole proprietor to 95% and BTL to 75%


BTL rental shortfalls supported by personal income


Interest only downsizing with no minimum income

Credit ratings

Minor credit blips

New builds

New build flats and houses to 90%