Complex Prime Mortgages | Vernon Intermediaries

Complex Prime

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Overview

We understand that not every borrower fits the mould of mainstream lending criteria. Our Complex Prime mortgage range is designed for clients with unique financial profiles, offering tailored solutions for both purchase and remortgage. Our approach combines flexible affordability with expert, human underwriting, ensuring every application is assessed on its own merits.

Key Criteria

  • For complex income or non-standard property
  • Supports unique financial circumstances
  • Over 5.5x LTI for sole applicants (5x for joint)

Fixed Rate Mortgages

(C001) 4.75% fixed to 31.01.2028 Complex

Initial rate

4.75%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.3% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Fees

£999

Early repayment charge

Yes

(C002) 4.89% fixed to 31.01.2031 Complex

Initial rate

4.89%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

6.6% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Fees

£999

Early repayment charge

Yes

Discount Mortgages

(C003) 2 year 2.95% Discount Complex

Initial rate

4.65%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.3% APRC

Maximum loan to value (LTV)

80%

Incentives

None

Fees

£499

Early repayment charge

Yes

(C004) 2 year 2.41% Discount Complex

Initial rate

5.19%

Subsequent Rate (SVR)

7.60%

Overall cost for comparison

7.4% APRC

Maximum loan to value (LTV)

90%

Incentives

None

Fees

£499

Early repayment charge

Yes

Enquire Now

We're proud to be known for our personal, approachable service. If you have a question or would like to discuss a case, our team is here to help - Monday to Friday, 8:45 AM to 5:00 PM. We look forward to hearing from you!

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Question

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.

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Guide

Decision in Principle

Obtain a DIP before submitting an application. Attach an affordability calculator to your submission and we'll give you an initial decision based on the information provided.

DECISION IN PRINCIPLE
Mortgage

Submit a Full Application

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

SUBMIT APPLICATION