Accord Mortgages provides residential and buy-to-let mortgages, and offers advisers an expert sales team with BDMs and a telephone and web-based support team. It gives advisers direct access to a dedicated underwriter for each case. Accord Mortgages lends based on common sense, not a tick in a box. This lender exists to help brokers look after what matters most, their clients.
Beverley Building Society
Beverley Building Society recognizes that each mortgage application is different and should be looked at on individual merit and affordability. Whether it is for employed, self-employed or on pension income, the society prides itself on assessing applications through sensible underwriting and a flexible approach to secure lending.
We understand each customer is different. For many people…getting a mortgage can be a challenge made even harder by the stringent lending criteria of high street banks.
We are a specialist mortgage lender. Our range of products has been designed for people that don’t fit the traditional profile that high street banks want. Our service is special too – we promise to treat customers as individuals and make decisions based on their circumstances, not their credit score.
Our residential and buy-to-let products have been designed specifically for self-employed, contractors and customers who have had a credit problems.
As a specialist mortgage lender, we take our job very seriously. We’re committed to being a responsible lender and we review all applications in detail to make sure our customers can afford their mortgage repayments.
BM Solutions is dedicated to supporting intermediaries with competitive products, forward-thinking technology and award-winning service.
Our unique One Minute Mortgage system revolutionised the mortgage market, and lets you submit all your applications online – providing an online decision in 60 seconds. The system is available 24 hours a day, 7 days a week, so you can submit business when it suits you.
We’re committed to supporting you and your clients, through experienced team of BDMs. Our award-winning 5 star service comes as standard but we don’t take things for granted. We’re continually refining our products and criteria to suit you and your client’s needs.
We know how important it is for you to have all the tools you need to do business. With our Buy to Let Calculators and our BDM finder, you have all you need to do business with BM Solutions. Our brokers can secure great new deal for their existing clients and retain their business with product transfers and further advances.
Buckinghamshire Building Society
Buckinghamshire Building Society lends throughout England and Wales with a wide range of specialist mortgage products.
Our specialist mortgage products are aimed at helping customers with complex incomes, diverse circumstances or credit issues to purchase or remortgage their home.
Our manual underwriting process offers the opportunity for successful outcomes for customers as we look at each case on an individual basis taking a sensible and pragmatic approach to lending.
All mortgage enquiries and applications received are individually assessed without being dependent upon a credit score but are subject to status and clear evidence of affordability.
Complete was formed in 1993. Since that time the company has established itself as a leading mortgage packager and distributor. It offers competitive products and services to a growing number of intermediaries and networks.
The business packages applications for a whole range of lenders which include prime, complex prime, specialist, buy-to-let products as well as secured loans, bridging finance and commercial loans.
Among the benefits offered to its introducers are a very experienced enquiries team, free sourcing system for mortgages, secured loans and bridging cases, online decisions in principle and 24/7 case tracking, fully integrated DIP & FMA’s with 28 lenders eliminating the need to rekey information, but most of all a personable proposition designed to help intermediaries write more business.
Coventry for Intermediaries
Coventry for Intermediaries is dedicated to providing brokers with award-winning service and products that give you the confidence to do business with them.
Every broker has two BDMs – one in the field and one on the phone. Their product range includes Flexx for Term, Offset and their unique Flexx Fixed range, which offers flexibility and complete peace of mind with no ERCs. Proc fees of 0.3% are paid for all product transfers and their open product transfer policy means the same products are available to both new and existing customers. For more information go to www.coventryforintermediaries.co.uk or call 0800 1217788
Halifax Intermediaries wants to make life as easy as possible for intermediaries. That’s why it is committed to providing and delivering excellent products and service to advisers and their clients. It’s easier to do business with Halifax Intermediaries. Its product proposition includes homemovers, remortgages, large loans, new build and affordable housing. Advisers can also secure a great new deal for their existing Halifax clients and retain their business with Halifax product transfers and further advances.
Hodge has been dedicated to the retirement market since 1965. It has great depth of experience and a reputation for looking after its customers while being at the forefront of innovation in its core later life lending market.
Its strategy is focused on residential and equity release later life lending and income in retirement and it offer one of the broadest ranges of lending products for over 55s, meaning it can offer the right product to suit almost any need.
Landbay is a specialist buy-to-let lender providing tailored lending solutions for landlords, with products which include no-ERC fixed rates and tracker rates, as well as ranges designed specifically for HMOs, new builds and first-time landlords.
The team has an in-depth knowledge of the mortgage industry, combined with an innovative, technology-enabled approach to lending, which equips them to take on complex cases. Brokers are able to speak directly to Landbay’s highly experienced underwriting team, providing a transparent and rational approach to securing mortgage finance for brokers and advisers, with speed and flexibility at its core.
Legal & General Insurance and Legal & General Mortgage Cub
Legal & General Insurance
Legal & General were founded in 1836 and today we help over 10 million people globally with saving, investing, building retirement income and insuring. We aim to help people achieve financial security in all the countries we operate in an affordable way, and are investing in economic growth to build a positive future for all. We're guided by our purpose that in everything we do we are economically and socially useful.
In Legal & General Insurance our goal is to make life better by inspiring more people to protect their lifestyles. Our Intermediary partners are fundamental to achieving this goal and we work together to ensure more and more customers have the protection they need.
Legal & General Mortgage Club
Legal & General Mortgage Club is the largest and longest-running mortgage club in the UK, involved in around 30% of the intermediary mortgage market, and one in five of all mortgages in the UK. Now in its 23rd year, it has completed well over £400bn of mortgages. It prides itself on adding value to its brokers by working closely with new and existing lenders to deliver great products, pricing and criteria. It also has a great mortgage desk and specialist hubs for new build, second charge, conveyancing, buy to let and equity release to support its firms, along with Mortgage Club TV and a significant social media presence to ensure it can get important and educational content to the market.
Market Harborough Building Society
Market Harborough Building Society has been owned by its members since 1870.
Since then, it has continued to evolve, innovate and, most importantly, always put its members first.
The building society specialises in providing mortgages to customers with complex circumstances, including expats, older borrowers and those with multiple income sources. It also has a wealth of experience in arranging regulated bridging loans, holiday lets and buy-to-let mortgages.
Market Harborough's mortgage specialists treat all enquiries individually and applications are manually underwritten. Intermediaries can expect a common-sense solution and tailored service to help their customer achieve their property goals.
Masthaven’s mission is to build a bank that challenges the conventions of traditional banking. It aims to take a broader view of customer lending criteria, giving you direct access to expert underwriters and flexible solutions, quickly and conveniently.
Masthaven received its banking licence in 2016 but it’s not new. Far from it. The business has a track record in finance and providing class-leading, short-term bridging options, alongside offering secured lending since 2004.
As a newly formed bank, it’s committed to providing flexible and fixed-term savings accounts, bridging loans, development finance and first and second charge mortgages that will disrupt the norm. It uses technology to enhance processes but everything it does is underpinned by a flexible, human approach, because Masthaven knows people make much better decisions than a computer can.
Metro Bank’s aim is simply to revolutionise banking by creating fans not customers. With a national Business Development Manager presence, we are building a strong intermediary mortgage business through a broad proposition that encompasses all aspects of the Prime Residential and Buy-to-Let sectors. We have a strong deposit base, helping us to continue lending with confidence.
NatWest Intermediary Solutions
NatWest’s dedicated intermediary mortgage business offers a range of residential and buy to-let mortgages for mortgage brokers to recommend to their customers including deals for the Help to Buy shared equity scheme. Service is its no.1 priority – that’s why NWIS has a team of over 50 field and phone BDMs covering the UK and a dedicated broker instant messaging service LiveTALK. Its service has been recognised by the industry, and was awarded a five-star rating at the Financial Adviser Service Awards 2017. It also won the Best Lender for Service at the MAB awards 2018.
Newcastle Intermediaries is the intermediary arm of Newcastle Building Society, the eighth-largest building society in the UK. Lending throughout England, Scotland and Wales, it is dedicated to providing competitive products coupled with excellent customer service. With four regional BDMs, Newcastle Building Society offers national coverage. An online application system provides automatic case updates and facilitates online document uploading. Individual case owners manage applications from receipt to offer and a flexible underwriting approach means it is willing to consider complex cases on an individual basis.
Pepper Money is an award-winning lender with an appetite for the interesting, offering Residential and Buy to Let mortgages exclusively through intermediaries. We help 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 us, it’s all interesting!
We’re Platform, part of The Co-operative Bank – the only high street bank to be guided by a customer-led Ethical Policy. We provide extensive knowledge and expertise across a wide range of competitive mortgage products, for Mainstream, Help to Buy and Buy to Let.
From expert support with a human touch, to a simple process that’s transparent and fair, we make a difference every step of the way.
We also have a passion for values, ethics, and doing the right thing.
That’s not just something we say – it lives in everything we do.
Scottish Widows Bank
Scottish Widows Bank is Lloyds Banking Group's specialist mortgage provider in the offset and professional markets, offering all its products exclusively through the intermediary market.
Scottish Widows Bank opened on 1 May 1995 and has expanded considerably, reflected not only by the size of its operation but also by the growth in its product range. Scottish Widows Bank is a lender focused on the offset market for all clients, lending to professional clients and developing a clear understanding of the needs of customers with large loans. Over the last 12 months the bank has taken its proposition significantly further with a number of initiatives specifically designed to enhance its products and service. This has included a separate range of products for large loans and enhancements to the bank’s interest-only policy.
Secure Trust Bank
When ordinary high street lending isn’t the answer, say hello to ‘unordinary’ lending. Secure Trust Bank’s lending is discretionary, so if it’s a strong case there’s a strong chance they will say yes. And that means they can help you meet more of your customers’ requirements more of the time.
Secure Trust Bank are one of the UK’s best capitalised banks and have a genuine desire to help those underserved by the high street, for example the UK’s 4.8 million self-employed, contract workers, those with complex income or need funding into retirement and those with a poor credit history that has recently been restored to good health.
- 100% intermediary focus
- Considering each case individually
- Flexible criteria, so a strong case never goes ignored
- Fast decisions & smart, effort saving processes
- Underwritten by people with a desire to lend
Get honest answers on 0330 303 3495 or visit us at securetrustbank.com/intermediaries
Society of Mortgage Professionals
In 2005 the Chartered Insurance Institute (CII) created the Society of Mortgage Professionals (SMP) to provide focus and momentum for the professional development of all those working in the mortgage and protection market across lending, administration, advice and broking, and associated support functions. The SMP is the only exclusive professional body available to mortgage and protection practitioners, and provides services to help organisations nurture the development of their staff within a culture of professional excellence.
Introducing The Exeter, a mutual protection insurer.
We appreciate that everyone is different, so at The Exeter we focus all our energy and attention building cover that works for all, with that personal touch that you would expect from a leading specialist.
Our purpose is to help people. We put our customers first by supporting them when they are unable to work, when they become ill or when they lose a loved one.
As a mutual, we re-invest our profits into better customer service, more affordable premiums and payment of claims.
The Loughborough for Intermediaries
The Loughborough for Intermediaries can provide brokers with solutions from the First Time to Later Life.
Its product range is designed to help your clients whether they are first-time buyers, movers, remortgagors, building their own home, investing in buy to let, seek interest only in/into retirement, without a deposit and those who need a 100% LTV solution.
With no credit scoring, individual underwriting, a dedicated BDM and broker desk support for every broker, the focus is on helping you help your clients.
The Tipton & Coseley Building Society
Tipton & Coseley Building Society was founded in 1901 and offers an innovative lifecycle of mortgage products for first-time buyer, home mover, self-build, buy-to-let and the over 55s. We have a dedicated intermediary help desk and BDM team who are committed to providing flexible and tailored solutions to your clients. We can now lend against second homes and holiday lets for AirBnB rentals as well as retirement properties.
Vernon Building Society
Vernon Building Society is based in Stockport and has deep-rooted connections to local brokers across the North West.
Over the last six months it has grown its intermediary presence to include national networks and a wider core lending area.
Vernon takes an individual and personal approach to mortgages, finding innovative ways to help customers with more complicated circumstances who can be marginalised by mainstream lenders.
With its pioneering RIO mortgage and focus on niche lending areas, including self-build and later-life lending, Vernon is here to help the intermediary!
Vida Homeloans is the specialist mortgage lender for first and second charge residential and buy to let customers who may not fit the criteria currently demanded by high street banks. Vida uses the latest technology to support and inform human decisions, helping intermediaries get specialist cases off their desks.
Vida’s criteria-driven lending proposition has made a positive impact on the market, with 9,000 intermediaries registered to do business and more than £400 million in mortgage completions in its first year of trading. Vida has also achieved two securitisations worth more than £0.5 billion and is proud to have received six industry awards; ‘Best Lender for Partnership with Mortgage Club’ at Legal & General Mortgage Club 2017 Awards, Highly Commended in the ‘Innovation – Lenders’ category at the Mortgage Finance Gazette Awards 2018, Best New Entrant (Lender) in the Mortgage Introducer Awards 2017, ‘Specialist Lender of the Year’ in The Mortgage Awards 2018, ‘Best Marketeer’ in the British Specialist Lending Awards 2018, Commended in the Best Specialist Mortgage Provider in the Moneyfacts Awards 2018 and ‘BDM of the Year’ in the Specialist Finance Introducer Awards 2018.