Accord Mortgages is a dedicated intermediary-only lender and part of Yorkshire Building Society Group. It exists to help brokers look after what matters most, their clients.
Accord has adopted something it grandly calls ‘Principle Based Lending’ or to put it another way ‘good old common-sense lending’. In other words, it will try to find a way to lend.
• Direct access to underwriters
• Expert BDMs and TBDMs and dedicated broker support
• Competitive product range, including New Build and Offset
• Product transfers online - it’s a quick and simple application process
• Buy-to-let lending to Consumer BTL, first-time and portfolio landlords
• Great procuration fees paid weekly, including residential and BTL product transfers
• Welcome box sent on completion of a house purchase
• Growth Series – an essential free resource for brokers who want to build their business.
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.
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.
Buckinghamshire Building Society
As a mutual building society with no share holders, Buckinghamshire Building Society is a member owned organisation which puts the customer at the forefront of everything they do. Their focus is on helping people to save for the future and buy their own home. They lend throughout England and Wales and thier wide range of mortgage products are aimed at helping customers with complex incomes, diverse circumstances or credit issues to purchase or remortgage their home. With no credit scoring and manual underwriting, they look at cases on an individual basis and deliver successful outcomes for customers by taking a sensible and pragmatic approach to lending.
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, but most of all a personable proposition designed to help intermediaries write more business.
Coventry for Intermediaries
Coventry for intermediaries prides itself on its simple and straightforward approach.
For over 10 years, its pledges have demonstrated a commitment to intermediaries. The lender is dedicated to providing award-winning services to both you and your clients.
That’s why it gives you two BDMs - one in the field and one on the phone.
Coventry also respects that your clients are your clients. At maturity, it directs them back to where their journey began – and that’s with you. Additionally, it keeps product transfers simple. There’s no form to fill in; all you need to do is give the lender a call.
Coventry has innovative products - its exclusive Flexx Fixed range offers the security of fixed monthly payments and the benefit of unlimited overpayments with no ERCs. And its Offset mortgage products are simple, with just one easy access savings account linked to the mortgage.
Halifax wants to make life as easy as it can for intermediaries. That’s why it’s committed to providing and delivering excellent products and service to you and your clients.
It’s easier to do business with Halifax Intermediaries.
Its product proposition includes home movers, remortgages, large loans, new build, Help to Buy and affordable housing.
You can also secure a great new deal for your existing Halifax clients and retain their business with Halifax Product Transfers and Further Advances.
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 on board, who you can speak with directly, Landbay provides a transparent and rational approach to securing mortgage finance, with speed and flexibility at its core.
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 and prides itself on adding value to its advisers by working closely with new and existing lenders to deliver great products, pricing and criteria.
With the recent introduction of SmartrCriteria, it has never been easier or quicker for advisers to find the best possible mortgage for their customers. With over 390,000 criteria outcomes from over 95 lenders across the UK, advisers can find the appropriate solution to customers’ requirements in only a few clicks.
The Loughborough for Intermediaries
The Loughborough for Intermediaries can provide brokers with solutions from the First Time to Later Life.
Their product range is designed to help your clients whether they’re first time buyers, movers, re-mortgaging, building their own home, investing in buy to let, seek interest only in/into retirement, without a deposit or 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.
For more information go to www.theloughborough.co.uk/intermediaries or call 01509 631953
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, flexible solutions, quickly and conveniently.
Masthaven received its banking licence in 2016 but the lender is not new. Far from it. It’s been providing class-leading, short term bridging options, and secured lending since 2004. Today it can offer you access to a full range of short-term and long-term products including First Charge Residential and Buy to let mortgages.
The lender uses technology to enhance processes but everything it does is underpinned by a flexible, human approach because Masthaven knows that people make much better decisions than a computer can.
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 2018, as well as winning the Overall Best Lender for Service award.
Newcastle Building Society
Newcastle’s aim is to support the mortgage intermediary market by providing competitive products, coupled with excellent customer service.
It is the intermediary arm of Newcastle Building Society, the ninth largest building society in the UK and the largest in the North East. It has a wealth of experience in intermediary lending and can be relied upon to deliver an excellent service that meets the needs of you and your customers.
OSB primarily targets underserved market sub-sectors that offer high growth potential and attractive risk-adjusted returns, in which it can take a leading position and where 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 lender is predominantly funded by retail savings originated through the long-established Kent Reliance name, which includes online and postal channels, as well as a network of branches in the South East of England.
Platform is part of The Co-operative Bank – the only UK high street bank to be guided by a customer-led Ethical Policy. It provides extensive knowledge and expertise across a wide range of competitive mortgage products, for Mainstream, Help to Buy and Buy to Let borrowers.
From expert support with a human touch, to a simple process that’s transparent and fair, Platform makes a difference every step of the way, having a passion for values, ethics, and doing the right thing.
PMS is one of the UK’s leading mortgage clubs.
In addition to enjoying access to market-leading products as well as exclusive arrangements across mortgages, protection and general insurance, its members benefit from its truly personalised, collaborative approach that places advisers and customers at the heart of everything it does.
Whether you are looking for mortgage solutions on difficult-to-place cases, need support in having insurance conversations with their customers, or want to discuss options on learning and development, business strategy and more, its experts can help.
PMS works with clients to understand their requirements and find a solution that works for them, so they get the support they need to develop and thrive.
Plus, PMS is part of Sesame Bankhall Group, the UK’s largest distributor of retail financial advice, therefore clients will benefit from access to expertise across the group.
Scottish Widows Bank
Scottish Widows Bank welcomed its first customers when it opened for business on 1 May 1995. With only 18 colleagues, they were the small banking arm of Scottish Widows - a long established and substantial life, pension and investment company. Scottish Widows Bank are proud to offer the innovation and flexibility of a modern, efficient company along with the financial strength and heritage of a trusted and recognised financial services brand.
Over the years its business has expanded considerably, reflected not only by the size of its operation but by the growth in its product range.
Scottish Widows Bank initially launched into the banking market with savings products and during 1997 it decided to capitalise on its growing reputation by moving into the mortgage market, being one of the first lenders to launch a flexible mortgage. It’s success continued the following year when it identified a gap in the market and launched a mortgage specifically for professionals.
Since then, it has continued to develop award-winning mortgage and savings products targeting specific groups of customers.
Smartr365 is the end-to-end software platform for professional mortgage advisors. It empowers them to manage the whole mortgage process better and frees up time to focus on engaging with clients and growing their business. It is a cloud-first platform, delivering powerful tools and a simple, streamlined process for advisors, as well as introducers, solicitors and home buyers involved in the process.
Introducing The Exeter, a mutual protection insurer.
Because it appreciates that everyone is different, The Exeter focuses all of its energy and attention on building cover that works for all, with that personal touch you would expect from a leading specialist.
Its purpose is to help people. The Exeter puts its 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, it re-invests its profits into better customer service, more affordable premiums and payment of claims.
So much more than a mortgage club.
TMA acts to champion directly authorised (DA) advisers, to secure high-quality products and market leading commissions that reflect the needs of customers. It also offers services with an emphasis on helping to grow customers’ businesses sustainably.
TMA wants advisers to view the club as a partner and not just a source of mortgages, and to value the support that it can provide. That’s why TMA offers a dynamic proposition that continually evolves and adapts with the needs of people and their business.