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Bespoke Mortgages Across England & Wales

The preferred choice for a personalised underwriting experience.

Mortgage products

Decision In Principle

Receive a decision in principle by filling out our simple online form.

Get your DIP

How can we help?

Call us now on 0161 429 4327 or send us a Quick Online Enquiry.

Our team is here to help, weekdays 08:45 to 17:00.

Use our key documents and guides tool to find what you need.

Key docs & guides

Key Documents

Accountants Certificate

Broker Online Portal User Guide

Buy to Let Declaration Form

Buy to Let Mortgage Application Form

Buy to Let Portfolio Form

Buy To Let Property Costs and Fees form

Change of Property Form

Direct Debit Mandate and Declaration Form

Illustration Request Form

Intermediary Data Protection

Lending into Retirement

Personal Income & Expenditure Assets & Liabilities Form

Retention ESIS Request Form

Retention Letter of Authority

Valuation Fee Scale

Bank of England Base Rate Change

In August 2022, Base Rate increased again from 1.25% to 1.75%, its highest level since 2009.

Following the recent increases, from the 1st September 2022, the Standard Variable Rate (SVR) on our mortgage products will move to 5.85%.

THIS PAGE IS FOR USE BY AUTHORISED INTERMEDIARIES ONLY

We answer the phones and provide a personal service. We're experts in out of the ordinary cases. By understanding the person behind the application and treating every case on its own merits, our flexible lending policy empowers our underwriters to make sensible decisions.

What you can expect from us...

Current Timescales:

Queries

responded within:

1 business day

DIPs

responded within:

2 business days

Underwriting

completed within:

15 business days

It's easy doing business with us

Placing a Case...

1.

Register

If you haven’t registered with us already, please register online before submitting business with us. Once registered with us, you can register to our broker online services.

Register
2.

Affordability

Before completing a DIP, complete an Affordability Calculation. We cannot provide a DIP without an Affordability Calculation. For Buy to Let please contact us.

Affordability Calculator
3.

Decision in Principle

Obtain a DIP before submitting an application. As well as giving you an initial decision, based on the information provided, you'll be advised what documents are required to submit the case.

Decision in Principle
4.

Submit a Full Application

Once your registration has been confirmed, you will be able to submit an application via our online broker portal. All documents required for the application should be uploaded at this time.

Submit Application

Lending Criteria

  • Read through a summary of our lending criteria.
Lending Criteria

Product Switches

  • Begin the product switch process today.
Product Switches

Key Documents

  • Access and download key documents and guides.
Key Documents

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You can unsubscribe at any time. For how we use your data, visit our Privacy Policy.

Help Centre

Frequently Asked Questions

We make the process simple and easy. Visit our FAQs and let us answer your questions.

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Help Centre

Retention FAQS

Got a question about our retention process? Head over to our Retention FAQs for answers.

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Get to know us

We're here to help

We answer the phones and provide a personal service. 

Meet the Team