Our Mortgage Referrals Committee (comprising the most senior managers in the business) meet at 3pm every day to discuss your robust but unusual business enquiries.
We are manual underwriters and don’t use credit scoring in our processes.
We consider individual circumstances when making the lending decision.
Our BTL rental calculation for non-portfolio landlords can be supported by personal income.
We offer interest only downsizing with no minimum income and to a maximum age of 75.
We consider minor credit blips. Our maximum age is 75 and we use current levels of income if there is no intention to retire earlier.