Aldermore knows not all clients fit a one-size-fits-all model, and require a more specialist approach. That’s why our experienced team of manual underwriters assess each client’s circumstances on a case-by-case basis, giving us 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, home owners looking for a better remortgage deal, landlords big or small, borrowers with less than perfect credit and those aged 55 and over.
BM Solutions is dedicated to supporting intermediaries with competitive products, forward-thinking technology and award-winning service.
It’s committed to supporting you and your clients through its experienced team of BDMs. BM’s award-winning five-star service comes as standard, but it doesn’t take things for granted. The lender is continually refining its products and criteria to suit your needs, so that you have all you need to do business with BM Solutions.
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.
Hampshire Trust Bank
HTB are all about flexibility. They pride themselves on flexible criteria and bespoke product structuring. HTB understand that no two deals are the same, which is why they tailor their offering to suit your clients’ needs.
Their relationship-based approach underpins this offering and informs their strategy. As part of this, you’ll be assigned a regional business development manager to keep you updated with your proposition, a lending manager to construct your deal and a clear, pragmatic approach to underwriting from HTB’s team of experts. So, no matter what stage you are at, HTB are always at the end of the phone when you need them.
HTB’s innovative product range includes specialist BTL, HTBridging and semi-commercial properties. Their specialist product range is available for loans up to £15m and incudes holiday lets, ex-pats, foreign nationals, portfolio landlords and first-time landlords.
Kensington is the UK’s leading non-bank specialist mortgage lender; offering a range of residential and buy to let mortgages through a network of mortgage brokers.
Our 25 year heritage in specialist mortgages means that we understand better than most that no two people are the same. That’s why we create innovative mortgages with lending criteria that gives us the flexibility to meet the needs of the people the high street doesn’t cater for. We use a combination of data and human insight to look beneath the surface, and unlike mainstream lenders, who all too often rely on what the computer says, we use real people to make our decisions. It’s this ‘’head and heart’’ approach which is the key to what we call the #KensingtonDifference.
Keystone Property Finance
Keystone Property Finance is a specialist buy-to-let lender for intermediaries only. Keystone can lend to landlords borrowing both personally and through a variety of corporate structures including trading limited companies, SPVs and LLPs.
It has established itself as one of the go-to lenders for brokers who have complex landlord clients that are looking to finance standard buy-to-let properties, as well as those wanting to finance 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.
Call: 0345 148 9086
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.
Paragon is a specialist provider of buy-to-let mortgages, delivering lending solutions designed for professional landlords with more complex requirements.
These include lending to limited companies as well as private individuals, lending on more complex property including HMOs and multi-unit blocks, higher aggregate lending limits and the ability to accommodate more complex letting arrangements including local authority leases and corporate leases along with standard ASTs.
Paragon has worked with intermediaries in the private rented sector for over 20 years.
It has built a wealth of experience in meeting the needs of both portfolio and non-portfolio landlords, whether they’re individuals, limited companies or limited liability partnerships, looking for buy-to-let mortgages and short-term finance.
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.
We’re Platform, part of The Co-operative Bank, working hard to deliver a range of mainstream, buy-to-let and help-to-buy products for the intermediary mortgage market.
Providing mortgages isn’t unique. But if you look a bit closer, you’ll see that we’re actually a bit different. Our passion for values, ethics and community shapes everything we do for you and your clients.
Whether we’re raising money to end youth homelessness, expanding our team for a better, quicker service or providing a transparent and fair application process, we’re doing things differently to other lenders here at Platform.
The Mortgage Lender
The Mortgage Lender is an independent mortgage provider at the heart of what some people call the ‘specialist mortgage market’. But the lender prefers to describe what it does as ‘lifestyle lending’. Its 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 TML cases, as this bit is too important to leave to computers and faceless process. It’s a flexible approach to customers that truly sets lender apart.
The Mortgage Lender understands that less than usual circumstances are often overlooked by the mainstream, but it loves to lend. It’s not like some of the less flexible mortgage businesses. TML doesn’t use credit score cascading and it always watches its rates.
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.
We employ more than 750 staff at our headquarters in Cheadle and London, and have a loan book of £3.75 billion. To find out more, please visit the website below:
Vida Homeloans is the specialist mortgage lender for residential and buy-to-let customers who may not fit the criteria currently demanded by high street banks, such as the self-employed, customers with multiple jobs, first-time buyers, expats and buy-to-let investors. Vida uses the latest financial technology to support and inform human underwriting decisions.
Vida’s criteria-driven lending proposition has made a positive impact on the mortgage market, with 12,000 registered intermediaries, 9,000 customers and £1.8 billion in mortgage completions since launch in October 2016. Vida has also completed four securitisations worth £1.5 billion and has received 25 industry awards.