Beverley Building Society is one of the oldest independent societies. At the Beverley, they understand the importance and increasing role intermediaries play in helping navigate borrowers through a complex mortgage market and they are absolutely committed to going out of their way to make the job as straightforward as possible.

The Beverley recognises that each mortgage application is different and should be looked at on individual merit and affordability. Sometimes income can be complex particularly if clients are self-employed or have income from numerous sources, so they take the time to make sensible judgements on such cases. The Beverley pride themselves on assessing applications through sensible underwriting and a flexible approach to common sense lending. It currently specialises in later life lending, including Retirement Interest Only, Interest Only, self-build mortgages and the ability to look at self-employed or complicated income streams sensibly.

CHL Mortgages is a specialist buy-to-let lender, lending within England and Wales.

It lends to individuals and limited companies to finance a wide range of properties including houses, flats, shared accommodation, new builds, Houses in Multiple Occupancy (HMOs), and multi-unit freehold blocks.

It welcomes first-time landlords right through to experienced portfolio landlords.

Crystal Specialist Finance is an award-winning specialist finance distributor, providing commercial finance, bridging loans, second charge loans, development finance and specialist residential and buy-to-let mortgages.

Its goal is to provide simple solutions to even the most complex financial problems. Each and every enquiry is reviewed on its own merits and Crystal works with you to find the very best product available for your clients.

Its blend of speed, service and flexibility allows Crystal to offer brokers and their clients the best deal for their circumstances.

Family Building Society takes a common-sense approach to underwriting, with no credit scoring.

Many cases it sees are from high street customers in their mid- to late-60s, who have come to the end of the line with their lender but have good income in later life.

Family Building Society can offer huge flexibility by lending into retirement with higher maximum ages than most lenders, and it takes into account various sources of income, such as pension pots.

The lender’s BDMs work closely with its underwriters so that it can provide individual lending decisions, finding mortgage solutions for your clients.

Launched in 2014, Fleet Mortgages is a specialist intermediary-only lender focused on the buy-to-let market. It offers mortgages to professional landlords, as well as limited companies and those seeking finance for Houses in Multiple Occupation (HMOs) and multi-unit blocks.

Fleet Mortgages was acquired by Starling Bank in 2021 when the digital challenger bank became its sole funder. Fleet’s senior management team and staff have a wealth of experience in the UK lending market, particularly within the buy-to-let and specialist sectors.

The business is focused on delivering an excellent service to its intermediary partners and continuously reviews its products and processes to ensure they are current, relevant and reflect ever-changing market needs.

Fleet Mortgages is well-positioned to help its intermediary partners grow their businesses and support their landlord clients with the right solution for their needs and prides itself on making complex buy-to-let simple.

Kent Reliance for Intermediaries offers a range of buy-to-let and residential mortgages, designed to help brokers with cases that fall outside of standard criteria.

As the home of handcrafted mortgage solutions, the lender sees the potential when other lenders may not be able to help. Its common-sense approach and ability to look at each case on its own merits means it can provide tailored solutions in even the most complex of scenarios.

Thanks to the unrivalled personal service offered by Kent Reliance’s national network of business development managers, it is perfectly placed to help brokers navigate challenging cases. And because its large underwriting team assesses each case it receives individually, it’s able to help brokers access the best-suited products.

The lender's efforts over the past year saw it named Best Specialist Lender at both the Mortgage Strategy Awards and the L&G Mortgage Club Awards.

Kent Reliance for Intermediaries, along with Precise Mortgages and InterBay, is an OSB Group lender.

Keystone Property Finance is a specialist buy-to-let lender for intermediaries.

It lends to landlords borrowing both personally and through a variety of corporate structures including trading limited companies, SPVs and LLPs.

Keystone has established itself as one of the go-to lenders for brokers with complex landlord clients looking to finance standard buy-to-let properties or higher-yielding properties such as HMOs and multi-unit freeholds.

Keystone uses a cloud-based AIP and application system that enables brokers to transact cases quickly and efficiently.

Landbay is an award-winning mortgage platform, created for its customers, designing better ways to buy-to-let.

It focuses on the customer, bringing together the best people and partners, leveraging its data, technology and market expertise.

Choose Landbay and you’ll find experts at the end of the line, smart technology designed for you, and fast decisions you can count on.

Its team, community and the wider world matter to Landbay. It’s carbon neutral. And its industry awards and customer reviews speak for themselves.

Landbay is committed to becoming your go-to mortgage funding partner.

Market Financial Solutions (MFS) is one of the longest-serving specialist finance providers, with over 17 years of industry experience.

Its buy-to-let mortgage products offer support to UK and offshore borrowers by providing optionality, flexibility, and bridging-like speed with fixed and tracker options. This is achieved through deferring/rolling up interest for up to nine months, top-slicing and a Super Flexi ICR starting from 125%.

Every enquiry receives an appointed BDM and dedicated underwriter. They work alongside brokers to take on all the heavy lifting and actively search for a way to lend rather than reasons to say no.

One Mortgage System (OMS) is more than just a sourcing system. With features that allow you to source, check and submit mortgage applications, saving brokers time is OMS's key goal. Other features include an audit trail, pre-population, DIPs and full two-way lender integration with several lenders.

The system allows document uploads, sourcing, KFIs, evidence of research, email and SMS updates, pre-underwriting, AVMs, credit searches and so much more to help save brokers hours of administration time.

It was developed by working alongside mortgage advisers and observing how they operate. This has resulted in a multi-award-winning system that has amassed over 4,000 users who, in the last 12 months, have submitted over 42,000 applications.

As one of the pioneers of buy-to-let, Paragon has been helping UK landlords to grow their businesses for more than 25 years. Working with their network of key intermediaries, the lender prides itself on an extensive mortgage range so that you can find the right mortgage for your clients, no matter how big or small their portfolio.

Paragon’s in-depth knowledge of buy-to-let and the UK’s private rented sector means that it fully understands landlords’ requirements. From simple and straightforward propositions to specialist and complex cases, it has the experience and expertise to meet their needs.

Precise believes lending shouldn’t be complicated, so it cuts the faff and gets straight to the point.

Whether it’s a residential, buy-to-let mortgage or bridging finance, the lender helps people when they need it through its nationwide intermediary base.

Precise doesn’t think underserved customers should be shunned by circumstance or complicated criteria. That’s why it’s kept its process simple to give you a ‘yes’ or a ‘no’ quickly and with as little fuss as possible.

It’s why the lender has won so many awards recently. In 2023 alone, it won three awards. Not to brag or anything, but it is pretty proud of them.

So, what are you waiting for? Get in touch with Precise today.

Precise. Refreshingly simple.

Quantum Mortgages is the leading transparent lending partner for today's landlords.

While others chase automation, it prioritises the needs of the customer, offering a wide product selection, modern criteria and a commitment to understanding specialist unique circumstances.

In 2021, Quantum secured £1 billion in funding through a significant seed round, backed by AB CarVal, a global alternative asset manager with a rich history since 1987, managing over $138 billion in 82 countries.

Choose Quantum Mortgages for a tailored, innovative lending experience.

Swansea Building Society was established in 1923 and is the only building society with its headquarters in West Wales.

The Society offers a range of savings and mortgage products for both direct and introduced business.

It offers buy-to-let and holiday let mortgages for individuals, portfolio landlords and limited companies on properties in England and Wales. The Society can also look at semi-commercial properties and can lend on multiple properties on the same title, Grade II listed properties, HMOs, properties with occupancy and section 106 restrictions. It can also accept Airbnb income.

With no credit scoring and all cases manually underwritten, the Society offers a personal, tailored and common-sense approach to mortgage lending.

The Mortgage Works (TMW) is a subsidiary of Nationwide Building Society and has been offering mortgages for over 30 years.

Decades after its first loan to a landlord, the lender is still working hard to bring you the best of buy to let. A lot has changed, but TMW is still as dedicated to supporting landlords and brokers as it’s always been.

Crafted products. Competitive pricing. Clear criteria. An enduring commitment to helping you help your clients.

• No minimum personal income requirements
• No maximum age for experienced landlords at 65% LTV or less. For other applicants or LTVs, maximum age at application is 70 years.
• No limit on number of properties
• Lower rate taxpayer proposition (130% interest cover ratio)
• Buy-to-let and let-to-buy up to 80% LTV
• Limited Company up to 80% LTV and 130% Interest Cover Ratio
• Portfolio landlords accepted
• HMO products available up to 75% LTV
• Green Further Advance mortgage available.

TMW has a network of field and telephone-based business development managers for the UK. Plus, telephone-based regional business development advisers to meet your business needs.