At Bluestone Mortgages, as a complex credit mortgage lender, we pride ourselves on being able to offer residential & Buy-to-Let mortgage products to underserved customers that have been let down by mainstream lenders. We truly believe that people should not be prevented from achieving their dreams of homeownership due to experiencing a life event.
More than ever, people are finding themselves in complex financial situations - which is why we make our decisions based on your client’s unique circumstances, not their credit score and we do everything in our power to give credit where credit’s due.
At Brightstar, we help brokers to grow their business by providing the knowledge and resources needed to diversify into new lending areas. In a market that’s more complex than ever, it’s hard to be both up-to-date and proficient on every type of lending - that’s where we come in.
Each lending area has an award-winning, dedicated team that each have focused expertise. Partnering with over 150 lenders, we can offer a range of exclusive products, enhanced SLAs and onsite underwriters.
Our purpose is to support every broker and IFA, so they never have to turn a client away.
If they want to keep ownership of the advice their client receives, they can choose to harness the knowledge of our team to research suitable solutions and manage the process with the lender.
If they would rather focus on other areas of their business, they could choose to refer a case to Brightstar to provide the advice in return for a share of the enhanced lender commission
Connect for Intermediaries
Connect have a large panel of over 155 lenders available to its Network members across the specialist areas of BTL, Commercial, Bridging, Development, Second Charges, Adverse and Later Life Residential, Equity Release, Business loans and Expat Finance in addition to mainstream products. This means we offer a large range of options to help with even the most complex cases.
For brokers who are not part of Connects Network, we offer two services. The first is a referral service for brokers who wish to refer their client to a specialist and benefit in a generous share of the income. The second is a fully packaging service to help brokers access the specialist knowledge and exclusive products from Connect, whilst still retaining their client relationship and full commission.
Criteria Brain (previously known as Criteria Hub) simplifies the criteria sourcing process at a time when cases are becoming ever more complex. It allows advisers to save time by matching up to six criteria in one submission with over 80 lenders for both residential and buy-to-let cases.
Criteria Brain has an intuitive and easy to use interface that works online, giving advisers the flexibility needed to work anywhere, with information updated by lenders themselves for greater accuracy.
With access to Affordability Brain alongside integrations with online and offline mortgage sourcing systems, Sourcing Brain and MortgageBrain Classic, an adviser can research the three main elements when sourcing the most appropriate mortgage for clients.
eConveyancer is a leading conveyancing comparison solution for mortgage intermediaries, giving brokers and advisers access to more than 50 SRA and CLC regulated conveyancing firms across the UK, as well as providing access to wills, surveys and home setup services.
It connects tens of thousands of home movers with the perfect conveyancing partner each year and since 2003 has helped more than a million clients save money and a better home moving experience.
Intermediaries and end-customers receive the highest level of service and every quote generated through eConveyancer is fully transparent.
You also have exclusive access to DigitalMove, the transformative digital conveyancing solution which helps reduce time-to-completion, on average, by 20%. Plus, all sale and purchase clients qualify for a free home setup service, courtesy of partners, Just Move In.
Find out more on 01844 265444 or email@example.com.
Fluent Money was founded in 2008, and proudly represents one of the largest, most successful secured lending brokers in the UK, advising one in three customers on their secured borrowing requirements.
From the beginning, Fluent Money has built strong relationships within the sector, through an impressive network of introducers and lenders, to deliver its products impartially through CeMAP qualified advisers, with a fintech first approach to the application process and fulfilment.
Fluent Money was built to offer a digital customer journey to complement human expertise; resulting in a 24/7, personal and digital service which is available to all customers. Customers are allocated a dedicated case manager to enhance the relationship throughout the journey and they benefit from a fast, personal, responsive, intelligent and environmentally friendly application.
Fluent Money is proud of strong links with the local community, regularly raising funds for charities, and making a charitable donation for every secured loan completion.
ID-Pal is an award-winning end-to-end digital KYC solution enabling instant identity and address verification either remotely or via third party brokers.
Winner of Best Customer Facing Experience at the 2021 Payments Awards, our out-of-the-box solution can be fully integrated in a day, branded, and configured within minutes. We enable mortgage lenders to verify an identity in seconds, offer seamless onboarding and deliver integrated KYC through direct or intermediary (broker) customer journeys. Our ISO-27001 certified platform is simple to use, easy to implement and delivers onboarding efficiencies while minimising the complexity, cost, and risk associated with robust compliance.
Experts in delivering bespoke broker solutions, InterBay Commercial specialises in commercial, semi-commercial, buy to let and bridging.
It looks to say ‘yes’ to complex cases, using a wealth of knowledge and an experienced manual underwriting team to find the right solutions for you.
Underwriters work together with other in-house teams – including national BDMs, real estate and completions – to build long-lasting relationships with brokers.
OneSavings Bank plc and Charter Court Financial Services combined in 2019, joining Kent Reliance for Intermediaries, Precise Mortgages and InterBay Commercial as its trading brands in the specialist lending space.
We are a multi-award winning specialist BTL lender providing tailored lending solutions for professional and portfolio landlords.
Our team offers in-depth knowledge of the buy-to-let mortgage industry, combined with an innovative, technology-enabled approach to lending, which equips them to take on complex cases.
With highly experienced BDMs & underwriters, Landbay provides a transparent and rational approach to securing mortgage finance, with speed and flexibility at its core.
Also, we have one of the most competitive product rates in the market. Our extensive product offering, and broad lending criteria makes us the perfect lending partner for your landlord clients.
Market Financial Solutions
At MFS we provide fast and flexible bridging finance solutions to our network of intermediaries and private clients. We lend to our clients in a prompt and professional manner and are able to release funds within three days.
We are a market specialist, and renowned for our case-by-case delivery of tailored bridging solutions and especially our management of complex cases. We know that no two bridging finance cases are the same.
We lend to private individuals as well as to partnerships, limited companies, expats, foreign nationals and offshore companies, with terms and interest rates determined on a case-by-case basis.
Mortgage Brain is a mortgage technology expert that has developed market-leading software solutions for over 30 years. Its suite of products and services supports advisers with an end-to-end journey from sourcing to conveyancing.
Annually reinvesting 40% of overheads into product development enables continual enhancement of its solutions and new product development that transforms the mortgage process for everyone. Mortgage Brain is proud to proactively support intermediary mortgage advisers, lenders, networks, and corporates.
Its recent innovations include integrating its criteria and product sourcing systems, the launch of an affordability sourcing solution (Affordability Hub), the development of the COVID-19 support hub, and the launch of an online application submission platform, Lendex.
One Mortgage System
One Mortgage System (OMS), is the seamless single-input enquiry to completion processing platform for mortgage intermediaries.
OMS is the only end-to-end mortgage system which covers product areas such as residential, buy-to-let, second charge, equity release, bridging, commercial plus general insurance and protection. It has already integrated with four market-leading platforms - Iress, Twenty7Tec, iPipeline and Knowledge Bank - to provide users with best in class for product sourcing, protection sourcing and criteria searching.
OMS is integrated with many lenders including Oplo, Equifinance, FHL, UTB, Selina, West One and Together.
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.
The system has been developed by working alongside mortgage advisers and observing how they operate. This has resulted in a multi-award-winning system that has amassed nearly 10,000 unique users.
As one of the pioneers of buy-to-let, Paragon have been helping UK landlords to grow their businesses for more than 25 years. Working with our network of key intermediaries, we pride ourselves on our extensive mortgage range so that you can find the right mortgage for your clients, no matter how big or small their portfolio.
Our in-depth knowledge of buy-to-let and the UK’s private rented sector means that we fully understand landlords’ requirements. From simple and straightforward propositions to specialist and complex cases, we have the experience and expertise to meet their needs.
Pepper Money is a multi-award-winning specialist lender offering residential and buy-to-let mortgages exclusively through intermediaries.
Pepper Money believes in challenging the accepted. It takes a more human approach to underwriting, to build a truer picture and reach a fairer outcome for your customers.
The lender prides itself on its ability to look beyond the numbers on a credit score and its specialist team of skilled, mandated underwriters reviews each case on its own merits.
With broad criteria, competitive pricing and a positive lending attitude, Pepper Money can help you to help more of your customers. From first-time buyers and the recently self-employed, to those with adverse credit or complex incomes.
Precise Mortgages, one of the leading specialist mortgage lenders, delivers innovative residential, buy-to-let, bridging and second charge loans, which are available solely through a nationwide intermediary base. Its mission is to broaden the criteria for mortgage approval to support homeowning aspirations and buy-to-let entrepreneurialism. Its award-winning, technology-driven underwriting and credit risk management processes mean Precise Mortgages can be more expansive in its mortgage and loan approvals – serving and providing solutions for those underserved by mainstream lenders.
Roma Finance is lending less ordinary. We believe in less waiting, more communicating; less standardisation, more personalisation; less risk, more reputation; less stress, more success!
We embrace change and are agile in the market to ensure you have best-fit bridging, development and buy-to-let solutions for your customers, with the service and speed to match. We operate throughout England, Scotland and Wales and offer competitive finance on both residential and commercial properties.
We stick to our decisions and provide unrestricted access to empowered underwriters so you are never left feeling uncertain.
Lets talk. We look forward to working with you and showing you what lending less ordinary looks like – 0161 817 7480 | firstname.lastname@example.org
Rostrum is a PR agency specialising in financial and professional services.
Its clients include Legal & General Mortgage Club, Coventry Building Society, IMLA, LSL, Bluestone, Vida, Masthaven, Yolt and The Exeter among others.
Rostrum delivers creative, compelling PR and content campaigns which create brand value, drive awareness and generate measurable results.
Services include PR, social media, influencer and content marketing for lenders, brokers, banks, insurers, law firms, intermediaries, estate agents, fintechs and advisory firms. Rostrum is a PR Week Top 100 agency.
Saffron for Intermediaries
We are experts in specialist mortgages with a more flexible approach that’s based on people, not products. Our underwriters examine every application. They work harder, delve deeper and may even ask you a few more questions. Sure, this may take a little more time but it’s good news for you. Because we’re often able to say the one word your customers want to hear most: 'Yes'
TBMC is a specialist distributor in the buy-to-let and commercial mortgage markets and has developed unrivalled experience, skills and expertise in these sectors, benefiting intermediaries and their customers.
We have comprehensive knowledge of both the range of products available in the market and the underwriting approach taken by different lenders. We specialise in meeting the needs of property investment clients, helping to find the best financial products to suit their requirements.
We pride ourselves in being able to place even the most complex cases, providing solutions for all scenarios including HMOs, limited companies, holiday lets, expats, refurbishments, semi-commercial and more.
The Mortgage Lender
We’re an independent mortgage provider at the heart of what some people call the ‘specialist mortgage market’. Thing is, this isn’t really us. We prefer to describe what we do as ‘lifestyle lending’. Our whole reason for being is to provide mortgages to people with less than usual lifestyles. Nowadays, it’s perfectly normal to be freelance or self-employed, divorced or single. It’s called real life.
Be assured that real, friendly and accessible underwriters make decisions on all our cases, as this bit is too important to leave to computers and faceless process. It’s our flexible approach to our customers that truly sets us apart.
We understand that less than usual circumstances are often overlooked by the mainstream but at The Mortgage Lender, we love to lend. We’re not like some of the less flexible mortgage businesses. We don’t use credit score cascading and we always watch our rates.
United Trust Bank
United Trust Bank (UTB) is an expanding specialist bank providing a wide range of secured funding facilities for individuals and businesses and deposit accounts for individuals, businesses and charities.
The Bank has dedicated divisions providing mortgages, bridging finance, development finance, structured property finance and asset finance and their in-depth knowledge combined with commercial awareness makes it the lender of choice for finance brokers, developers and individuals seeking a high quality, bespoke service and a reliable source of funding.
UTB entered the Mortgage market in 2015 with a second charge loan offering and has since launched a range of residential first charge products including those catering for house purchase, remortgage, capital release, interest only and first-time buyer options.
From the outset the Bank sought to provide customers less served by mainstream mortgage lenders with a range of competitive products and a more personal approach to underwriting less dependent on credit scores for lending decisions. UTB is committed to continuously improving the mortgage application process for customers and brokers and has led the specialist mortgage market in implementing a number of innovative FinTech solutions to accelerate and simplify the journey. These have included an app based ID verification process using AI facial recognition technology with secure instant messaging and document upload tools. Most recently an online 24/7 DIP was launched with automated-underwriting technology to give a full list of requirements prior to full mortgage application and before a human even touches the case!
Since 2015 UTB has won 19 industry awards for its mortgage offering and completed in excess of 15,000 mortgage applications
Virtus Search has worked closely for many years with intermediary lenders as a recruitment business, representing their opportunities and proactively finding talent in the mortgage market.
The business has mentored many individuals and supported their career growth and is passionate about allyship.
A deep knowledge of the sector means Virtus knows where there is under-representation from diverse backgrounds. This means that, through its research-lead approach, the business can inform firms of how their recruitment needs should be tailored to meet equality, diversity and inclusion goals.