Affirmative is a mainstay lender based in Manchester offering development finance and bridging finance, throughout England, Scotland, and Wales.

Trading since 2004 and on panel with the major mortgage networks, clubs & packagers.

We lend our own money and offer funding from £10,000 to £2M

We lend up to 75% LTV

1st & 2nd charges

Regulated and non-regulated loans

We specialise in regulated self builds, barn conversions, auction purchases, un-mortgageable properties, time-critical completions, challenging planning/legal cases and other short term solutions.

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, home owners looking for a better remortgage deal, landlords big or small, borrowers with less than perfect credit and those aged 55 and over.

Avamore Capital is a principal bridging and development lender with a forward-thinking approach; it is committed to providing outstanding service and has an understanding that developers’ needs are constantly evolving.

As such Avamore was the first ever lender in the market to introduce the Finish & Exit product to support the completion of part-complete schemes. It is also a market leader in terms of rate, aligning with challenger banks whilst also maintaining the speed and service of a private lender with its 6.5% p.a. fixed rate Conversion and Development Exit products.

Avamore stands for transparency, reliability and predictability and is committed to delivering relationship focused property lending at competitive prices.

Beverley Building Society is one of the oldest independent societies. The Beverley recognises 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. It currently specialises in later life lending, including Retirement Interest Only, self-build mortgages and the ability to look at self-employed or complicated income streams sensibly.

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.

Our members are at the heart of everything we do. We strive to offer a continually improving service and we provide them a financially secure and safe business environment. Our mortgage products are only offered through intermediaries and we lend throughout England and Wales.

Brokers use our online system to submit applications. We understand that not every application is straight-forward and our underwriters take a holistic view of the whole application. We use a common-sense approach, taking life circumstances into consideration. We can be flexible in our approach, responding promptly to brokers with a decision.

Cambridge & Counties Bank specialise in Property Finance, Asset Finance and Classic Car Finance with straightforward products that have no gimmicks or hidden features. It is Cambridge & Counties aim to set themselves apart from other banks. Everything they do is centered around their Brokers, Business Partners and Customers. Whether it is building strong relationships, considering each deal on its individual merits, speaking directly to experienced borrowing specialists, or just going out of their way to try and help. They offer nationwide coverage through regional offices as well as dedicated Relationship Management teams.

Foundation Home Loans is the trusted specialist intermediary-only lender for portfolio and limited company buy-to-let mortgages and ‘near-miss’ residential mortgages. Need a home for your specialist mortgage cases? Solution Found.

For your portfolio landlord…

Our approach to portfolio landlords is simple, flexible and customer-focused…

• Portfolio assessment valid for 6 months
• No limit to portfolio size, subject to maximum borrowing of £3m with us
• No business plans or asset and liability statements needed
• Bespoke stress test for the background portfolio
• No business plans or asset and liability statements needed
• Simple form to fill in and processing times are the same as non-portfolio cases
• The rental calculation is either 125% x pay rate (limited companies) or 145% x pay rate (individuals)

Limited company lending

• Newly incorporated limited companies acceptable
• Complex company structures considered
• No maximum age
• ICRs of 125% x pay rate for limited company cases (5-year fixed rates)

Buy to Let overview

• Buy-to-let products available for limited companies and portfolio landlords
• Limited companies and individuals
• First time landlords
• Expats for limited companies only
• HMOs, Multi Unit Blocks and Short Term Lets catered for
• Loans up to £1.5m
• No limit to portfolio size, subject to maximum borrowing of £3m with us
• ICRs of 125% x pay rate for limited company cases (5-year fixed rates)

Residential Range

Foundation’s residential range is designed for clients who just miss out on mainstream mortgages from the high street for reasons such as credit scores or unconventional income.

• Up to 90% LTV
• Loan amount up to £2m at 65%
• Up to 4 applicants considered
• Max age 75 (end of term)
• First time buyer options
• £50k Minimum loan
• For self-employed or employed
• Gifted deposits accepted

As a specialist lender with the strength of a bank, we offer what others can’t. We have the power to help you deliver bespoke and complex funding solutions, working with our dedicated specialists at each stage.

Our specialist BTL and semi-commercial offering extends to: limited companies, expats, trusts and offshore as well as foreign nationals. We lend on large and small portfolios, holiday lets, HMOs. Serviced accommodation, sitting tenants, new build flats and purpose-built student accommodation. We also provide residential and commercial bridging solutions.

We give you the confidence your client is in safe hands. That’s the power of specialism.

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 BTL 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.

Visit: www.keystonepropertyfinance.co.uk

Call: 0345 148 9086

Email: enquiry@keystonepropertyfinance.co.uk

Register: https://kos.keystonepropertyfinance.co.uk/signup.asp

Landbay is a specialist buy-to-let lender providing tailored lending solutions for landlords operating across various sectors of the market. Our products include fixed and no ERC tracker rates, with some products being specifically designed for HMOs, MUFBs and expats.

Landbay’s team offer 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.

The Loughborough for Intermediaries offers a product range designed to help your clients whether they are first-time buyers, movers, remortgagors, building their own home, investing in buy-to-let, seeking an interest-only mortgage in or into retirement, 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 from the First Time to Later Life.

Regardless of how complex their clients’ circumstances are, MFS ensure the application process is short and simple. MFS is a bespoke lender, their decisions are swift with no red tape – meaning they are able to secure bridging capital with minimum fuss.

With a diverse range of tailored and flexible options on offer, and a transparent approach to fees and interest rates, MFS is the first port of call for those needing fast, short term finance.

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.

Octane Capital has reinvented specialist finance. Its 'product-less’ lending model has created unprecedented flexibility for brokers, while the experience of its senior team, who have lent billions over the past decade, is unrivalled in the market.

Uniquely, Octane works with brokers from a blank canvas to structure bespoke loans for their clients, rather than expect them to adjust to fixed criteria. It also prices according to risk rather than a restrictive LTV-based matrix.

Reflecting the appeal it holds with brokers, in its first two years alone Octane completed on more than £0.5bn of loans. Since launch it has also won several major awards, including the Bridging & Commercial Lender of the Year 2019.

• Maximum LTV – 70%
• Loan Types - Bridging, Buy-to-lets, Refurbishments & Developer Exits
• We accept - Foreign Nationals, Adverse Credit, First Time Buyers and First Time Landlords.
• We lend on - Residential, Commercial, Semi-Commercial and Land with Residential Planning.

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.

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.

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 members 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.

Shawbrook Bank. Proudly Different.

Banking on great business relationships

At Shawbrook we take a different approach to business, and that includes the way we work with intermediaries. We offer a highly personalised service to your customers, where human experience counts for more than algorithms alone, and we provide flexible, responsive products across a range of markets including buy-to-let (BTL), short term loans, commercial and semi-commercial investment, and 2^nd charge mortgages. Our award-winning teams rely on you for support – and we offer our own support to your business in return.

The Tipton & Coseley Building Society was founded in 1901 and offers an innovative lifecycle of mortgage products for first‐time buyers, home movers, self‐build borrowers, buy‐to‐let landlords and the over‐55s. It has a dedicated intermediary helpdesk and BDM team which is committed to providing flexible and tailored solutions to your clients. It now lends against second homes and holiday homes for Airbnb rentals as well as retirement properties.

Established in 1974, Together has been bringing common sense to the UK specialist secured lending market for over four decades.

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.

Together has firmly established itself as a leader in the specialist finance industry. Its current loan book stands at £3.9bn and it announced lending of £207m in October – the largest monthly total in its 45-year history.

To find out more, please visit www.togethermoney.com

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 2018 and 2016 and is the only lender to have won the award twice. 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 asset finance, mortgages, bridging finance, development finance and structured 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.

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, 7,500 customers and £1.5 billion in mortgage completions since launch in October 2016. Vida has also completed four securitisations worth £1.5 billion and has received 21 industry awards.