Latest Updates

5 Near Prime Residential Lenders Now Available at 90% LTV to 95% LTV

Below we have highlighted 5 residential lenders that will consider your Near Prime clients with Loan to Values available up to 95%.

Visit compare criteria and source all of your Near Prime clients in 3 easy steps.

For further information visit the 3mc website or call the specialist mortgage desk on 0161 962 7800.

 

         

  • Shared Exclusives
  • Available to 90% LTV
  • Rates from 3.79%
  • Click here for further information
         

  • Packager Exclusives
  • Available to 95% LTV
  • All communications defaults ignored
  • Rates from 4.94%
  • Click here for further information
       

  • Rates from 4.19%
  • Available to 90% LTV
  • Click here for further information
  • Available to 90% LTV
  • No value limits on CCJ’s, Defaults or Arrears
  • Rates from 3.99% at 90% LTV
  • Click here for further information
  • Rates from 4.68%
  • Available to 95% LTV – Purchase Only
  • Click here for further information

 

Help to Buy Packager Exclusives with Added Benefits  – Bluestone Mortgages

The core range of Help to Buy products with Bluestone Mortgages is only available through a select group of packagers.This coupled with Sapphire Club exclusive criteria enables your Help to Buy clients in a current IVA or discharged bankrupt clients to obtain a mortgage.

Click here for exclusive criteria details.

For further information visit the 3mc website or call the specialist mortgage desk on 0161 962 7800.

  • Do Not Credit Score
  • Up to 4 missed secured payments in the last 24 months
  • Up to 4 defaults in the last 36 months
  • Up to 3 CCJ’s in the last 36 months
  • Defaults/CCJ’s based on numbers, not value
  • Click here for further information

 

13 residential lenders available – Self employed accounts for 1 year

Our specialist lenders assess self employed income via different methods with 13 lenders from our residential panel considering clients with accounts for 1 year. Each lender will accept different sources of income from within the accounts before arriving at the allowable income for affordability. The different sources of income can include:-

  • Directors pension contributions
  • Operating profits
  • Retained net profits
  • Use of home as an office

The self employed section within compare criteria under each residential lender details the acceptable sources of income and also enables you to source which specialist lenders consider your 1-year self employed clients.

Compare criteria enables you to source all 3mc lenders within 3 Easy Steps. Once you compare 2 or more lenders you can then email yourself the results to assist with your compliance.

For further information visit the 3mc website or call the specialist mortgage desk on 0161 962 7800.