Aldermore knows not all clients fit a one-size-fits-all model and require a more specialist approach. That’s why its experienced team of manual underwriters assess each client’s circumstances on a case-by-case basis, giving the lender more of an opportunity to support them find the right mortgage, whatever their circumstances.
Aldermore supports a wide range of people, including first-time buyers with low deposits, homeowners looking for a better remortgage deal, landlords big or small, borrowers with less than perfect credit and those aged 55 and over.
Bluestone Mortgages prides itself on being able to offer residential and buy-to-let mortgage products to those who've encountered unforeseen financial issues.
It is a specialist mortgage lender that deals with adverse credit and complex cases. Its range of products has been designed for people that don't fit the traditional customer profile of high street banks.
Bluestone’s service is special too – the lender promises to treat customers as individuals and make decisions based on their circumstances, not their credit score.
It is committed to being a responsible lender and its team of highly experienced underwriters will take a holistic view of every customer’s profile to ensure it takes their individual circumstances into account.
Bluestone makes complex lending easy.
Fleet Mortgages was launched five years ago by one of the most experienced management teams in the UK buy-to-let market under the leadership of Bob Young.
Fleet is a broker-focused proposition with flexible criteria across standard, limited company and HMO products to reflect both brokers’ and landlords’ real needs.
It lends to those who can afford it, is always fair with customers, brokers and all business partners and strives to offer an outstanding service built around trust, accessibility to its BDMs, underwriters and completions team to build a company which its staff are proud to work for.
Fleet will continue to innovate and grow, giving its intermediary partners the ability to provide bespoke solutions for both professional and semi-professional landlords, and will always remain committed to the buy-to-let market.
Foundation Home Loans
Need a flexible lender for your specialist mortgage cases?
Foundation’s residential range is designed for clients with credit blips who just miss out on the mainstream.
- Up to 90% LTV
- Loan amount up to £2m
The experts in buy-to-let lending for limited companies and portfolio landlords:
- HMOs, Multi Unit Blocks and Short Term Lets
- Loans up to £1.5m
- No limit to portfolio size
- ICRs of 125% x pay rate for limited company cases and basic rate taxpayers
As long as your borrower hasn’t had mortgage arrears, Foundation would like to help. Experience the market specialist which provides transparent products, consistent lending decisions and award-winning customer service. Call today.
Landbay is a specialist buy-to-let lender providing tailored lending solutions for landlords operating across various sectors of the market. Its products include fixed and no-ERC tracker rates, with some products being specifically designed for HMOs, MUFBs and expats.
Landbay’s team offers an 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 a highly experienced underwriting team you can speak with directly, Landbay provides a transparent and rational approach to securing mortgage finance, with speed and flexibility at its core.
LendInvest is committed to providing specialist property finance to professional property investors, portfolio landlords and developers.
Offering a broad range of buy-to-let mortgages, bridging loans and development finance, it combines industry expertise with new technology to make obtaining finance easier for property professionals and to provide a best-in-class service to its intermediary partners.
Launched in 2008 to fill a critical gap in the property finance market, LendInvest is recognised as one of the UK’s leading specialist property finance lenders.
Masthaven launched as a retail bank in 2016 and offers award-winning saving and lending products.
Before that, Masthaven Finance provided a flexible and personalised approach to bridging loans and secured lending since 2004.
Today, the bank’s knowledgeable and experienced specialists are committed to providing customers with flexible and fixed term savings accounts, bridging loans, development finance and mortgages.
The bank’s awards include Most Innovative Digital Retail Bank UK 2019 and 2018 by CFI, Best Second Charge Mortgage Lender in the Your Mortgage Awards for the last two years, and Best Specialist Lender in the Moneynet Personal Finance Awards 2019.
Offering the markets’ only proven end-to-end mortgage process solution, Mortgage Brain offers a fully integrated product range of innovative systems from lead generation through to conveyancing. These include; mortgage product and criteria sourcing, conveyancing quote comparison with case tracking, multi-lender mortgage submission, back office compliant CRM system with a Client Portal, plus APIs, data solutions, websites and lead generation tools.
Reinvesting 40% of turnover annually into its product development creates regular enhancements to its solutions. Advancements in 2020 will include the integration of criteria sourcing, the delivery and integration of Lendex, the next generation multi-lender mortgage submission; plus the delivery of affordability sourcing as an integrated component. All enriching the adviser and customer experience and providing greater efficiency.
OSB primarily targets underserved market sub-sectors that offer high growth potential and attractive risk-adjusted returns, in which it has established expertise, platforms and capabilities.
These include private rented sector buy-to-let, commercial and semi-commercial mortgages, residential development finance, bespoke and specialist residential lending and secured funding lines.
OSB originates organically through specialist brokers and independent financial advisers. It is differentiated through its use of highly-skilled, bespoke underwriting and unique low-cost base.
The Kent Reliance, InterBay Commercial and Prestige Finance are trading brands within the OneSavings Bank Plc Group.
Pepper Money is an award-winning lender with an appetite for the interesting, offering residential and buy-to-let mortgages exclusively through intermediaries.
It helps clients who are often underserved by the high street banks – the self-employed, those with credit blips, complex income, young credit history, or previous financial difficulties.
To Pepper Money, it’s all interesting.
Established in 1974, Together has been bringing common sense to the UK specialist secured lending market for over 40 years.
Its expertise in lending means it can look beyond mainstream lending criteria to take an individual view of customers’ needs and treat each application on its own merits.
It offers a wide range of specifically designed products, including short-term finance, auction finance, residential, buy-to-let and commercial mortgages and secured loans through its established distribution network. The lender works with all kinds of customers from SMEs and LLPs to sole traders and self-employed people.
With 44 years’ experience, Together has firmly established itself as a leader in the specialist finance industry.
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.
UTB was named ‘Specialist Bank of the Year’ at the Bridging and Commercial Awards 2019, 2018 and 2016 and is the only lender to have won the award three times. In April 2016 UTB was placed 25th in the annual Sunday Times BDO Profit Track 100 league table which ranks Britain’s fastest growing private companies.
The Bank has dedicated divisions providing mortgages, bridging finance, development finance, structured finance, asset finance and motor finance.
Its 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.