CURRENTLY OVER
SUBSCRIBED
Call us: 0800 179 9802
Bringing Back Hope
85% Loan to Value
The lower loan to value, the lower risk to us and our clients. Our business is about responsible risk, not what you do for a living.
Self Cert Outside of London
As a result of concerns about the London property market, our products are only available to clients outside the M25.
NO MANDATORY ADVICE
The FCA says that you must pay for mortgage advice, why? If you want advice, then feel free but we don't insist you spend £1500 plus for it.
We have learned
a lot since we launched
not least the difficulties our prospective clients face in an inflexible UK mortgage market. Our capital structure when we launched in January 2016 enabled us to fund around 300 mortgages. We are not surprised that demand has been exceptionally strong, resulting in over 7,500 applications for our products. Due to the high level of interest and our funding capacity, we are currently not able to process new applications until further notice.
MAKING OUR OWN LENDING DECISIONS
Not being regulated by the FCA means that we can make our own lending decisions.
All loan agreementsare still subject to UK Laws and UK Courts.
UK BASED CUSTOMER SERVICES
FAST DECISIONS
UNIQUE VERIFICATION
SAVE £1000'S
You do not need to get Independent Mortgage advice if you don’t wish to as we do not require it.
Real Examples
I am looking to borrow approx £297500 to move house. I have a £52500 deposit ready.
I have worked out that I can currently afford £1000 per month on a mortgage as I have low living costs with no dependants and own my car outright. Which I believe would work on an interest only deal.
In 2 years time when an outstanding loan completes I will be able to go to a repayment mortgage up to £1500 per month. This would still only be 33% of my monthly income and easily affordable to myself
I would love to hear to back from you and enable me to move house
I have a 35% deposit for the property I want but can't get a mortgage because I have no contract with them anymore. I am still working for them, but after I have made my deductions on my accounts my earnings look a lot lower than what they actually are. This hurts me when prooving what I am really earning.
I am currently unemployed due to illness but will be going back to work later this year, I will be going back to being self employed / company director. I'd like to be able to get a mortgage in place to allow me to pay that money back over 10 more years rather than having the extra pressue of doing so over the remaining 5 years.
Availability
Register An Interest
We can't promise but if we do have availability we will be in contact with those that register an interest