We are a mainstay lender in the short-term finance market with over 18 years worth of experience. We have provided bridging and development loans that have helped property developers, property investors, self-build enthusiasts, financial intermediaries, and many other businesses and individuals when they needed it most. Fully authorised and regulated by the FCA, operating in the residential, semi-commercial and commercial arena, specialising in self-build, barn conversions, auctions finance etc. With our own in-house dedicated legal team, time sensitive cases are not an issue.
Fleet Mortgages is an intermediary only BTL lender who caters for both professional and semi-professional landlords, on an Individual or Limited Company/LLP basis, for both regular residential properties, HMO’s and Multi Unit Blocks. Fleet was recently acquired by Starling Bank, and are therefore very well positioned to help mortgage advisers grow this area of their business and support their BTL landlord clients with the right solution for their needs.
Standard Individual Buy to Let Mortgage Range
Limited Company / Limited Liability Partnership Buy to Let Mortgage Range
Fluent Money are the UK’s largest specialist broker with over 500 staff based in Bolton. We offer a simple referral option for brokers to assist in placing difficult case in Mortgages, Secured Loans, Equity Release and Bridging and pay generous commissions on all products.
Founded in 2007, Gatehouse Bank is an award-winning Shariah-compliant UK bank that offers competitive Buy-to-Let and Residential property finance for UK residents, UK Expats, International residents and corporate entities looking to purchase or refinance property based in England and Wales.
We welcome applications from first time landlords as well as portfolio landlords (with no limit on the number of properties), individuals, LLP’s and Limited Companies (UK registered SPVs). We have no early payment charges on any product and offer a range of financing options including HMOs and MUFBs. For full product and criteria details please visit our website.
1.) Shariah-compliant buy-to-let and residential property finance available to first time buyers and landlords where existing property ownership is not a requirement.
2.) Portfolio Landlords – no limit on the number of properties.
3.) UK Expats / Foreign nationals and foreign income accepted.
4.) No Early Payment charges on any product.
5.) Finance available to individuals, LLP’s and Limited Companies (UK registered SPV’s with Property business related SIC codes only).
Offering loans up to £25M at 75% LTV, HTB provide specialist residential and semi-commercial loans to landlords and property investors. This is backed by the strength of their competitive products and seriously extensive criteria to accommodate your client’s needs, quality service with quick turnaround times for DIPs, and underwriting decisions, and an incredible team of property specialists brimming with talent who bring extensive market knowledge to each and every case. This means they’re truly able to deliver for brokers whilst championing and supporting landlords and property investors.
One of the main objectives of In Partnership is to enhance the commercial prospects for its members by freeing up their time to do what they do best, namely, advise clients and expand business opportunities.
It’s about delivering clients the right advice for their needs and helping you build the business you want.
Our support for you will seek to encourage best business practice and profitability through business development initiatives and added value services. We believe in being open, approachable and totally transparent in the way we operate, ultimately benefiting the general public.
As a Network, In Partnership’s culture is unique; a close, personal network where there are no ‘ivory towers’. Members are able to engage directly with the Management Team and Directors.
From sole traders, small companies to large multi-adviser practices, we pride ourselves in ensuring all members feel like part of a larger organisation that can be relied upon.
At a time when other networks are limiting choice, our advisers can choose their trading style.
Our non- intrusive compliance services cover all aspects of regulated advice
We offer full compliance support.
We offer a comprehensive education programme
We deploy a broad range of research tools to assist members in creating the best possible outcomes for clients.
Keystone Property Finance is a specialist buy-to-let lender for intermediaries only. Keystone lends to landlords borrowing both personally and through a variety of corporate structures including trading limited companies, SPVs and LLPs.
Keystone has established themselves as one of the go-to lenders for brokers who have complex landlord clients that are looking to finance standard buy-to-let properties. As well as those wanting to finance higher-yielding properties such as HMOs and MUFBs.
Keystone uses a cloud-based AIP and application system that enables brokers to transact cases quickly and efficiently.
Leeds Building Society exists to serve our members and intermediaries, so we put them at the heart of every decision we make. Our diverse lending range is crafted to support mainstream residential and affordable housing – we’re an award-winning Shared Ownership lender. We put home ownership in reach of more people, generation after generation, and help them borrow in ways that are important to them. It’s supported by our Buy to Let proposition which helps professional, portfolio and limited company landlords offer tenants good quality homes. Mortgage Hub, our advanced broker system, makes doing business with us quick and easy, from decision in principle to completion, and we have an experienced team of people waiting to help.
LendInvest Mortgages provides fast, flexible and simple mortgages to homeowners, experienced property investors and portfolio landlords around the UK. With a broad range of Residential and Buy-to-Let mortgages, and short-term products, we couple deep industry expertise with market-leading technology to simplify the mortgage process for both brokers and borrowers alike.
Buy-to-Let
Bridge
Online portals for application submission and tracking
LV= GI provide a range of General Insurance products for intermediaries to sell to their clients, because they know you’ll always have your clients back, so they’ll always have yours.
At LV= GI they believe outstanding people deliver outstanding service and that powers performance for you and your business. But it’s their combination of people and technical capability that delivers better results for everyone. One community, working effortlessly together to bring the best to you and your clients.
Melton Building Society is a modern mutual that lends across England & Wales. Along with niche criteria, a variety of specialist products and a manual underwriting approach, Melton can consider a variety of applicants from the first-time buyer to the older borrower, from first-time landlords to avid self-builders and even those who have severe adverse.
Nationwide has an enduring commitment to the broker mortgage market. Every broker has access to an expert Business Development Manager, helping them grow their business. We provide competitively priced mortgage products and excellent service. And continually invest in improved technology.
Service is at the forefront of our proposition. We have a network of field and telephone BDMs, so every broker has a specific point of contact. And our support teams are available via telephone and Broker Chat for pre-application queries, along with a post-application team ready to help with ongoing applications.
Helping Hand, your first time buyer clients could borrow up to 20% more
Dedicated New Build hub and guide to help you submit New Build business more easily
Deposit Unlock, allowing your first time buyers and home movers to borrow 90.01-95% LTV, up to a maximum loan of £750,000 on New Build properties
Green rewards available for the purchase of energy efficient properties, with 0% further borrowing available for green home improvements
Remortgage products with free standard legal fees or £500 cashback, up to 95% LTV for like-for-like remortgage
Nomo is the world’s first Islamic international digital bank, offering Sharia-compliant property finance and everyday banking to the customers in the GCC. Nomo provides access to cross-border, digital, Sharia-compliant property financing with the ability to get an AIP in a couple of minutes and enjoy fast time-to-offer and competitive rates without needing a UK residency. Customers can apply for a UK current account to benefit of a multi-currency debit card, rapid international transfers with transparent fees and invest in a range of Fixed Term Deposits. Built in just nine months, Nomo is a truly unique, ‘banking without borders’ proposition.
Sharia-compliant Residential Property Financing (on UK properties for non-UK Residents - UAE/KSA/Kuwait residents)
Sharia-compliant Rental property financing (buy-to-let) property financing (on UK properties for non-UK Residents -UAE/KSA/Kuwait Residents
Rental and Residential Sharia-complaint Refinancing
Fixed term deposit UK/UK/EUR
Multi-currency accounts, debit card and digital wallet
Octopus Real Estate, part of Octopus Group, is a leading specialist real estate investor, with over £3.7 billion in real estate assets and secured lending, and a highly experienced team of over 90 professionals.
The property lending team provides bespoke, customer focused financing solutions across the UK residential, commercial and development sectors. The team has lent more than £5.7 billion across over 4,100 loans, providing competitively priced financing throughout the UK and spanning the property investment lifecycle, with loans typically ranging from £100,000 to £100 million.
The investment team manages over £1.6 billion of investments, with a focus on care homes, retirement communities and affordable housing.
OMS sets new industry standards with a meticulously crafted platform designed by intermediaries with 30+ years of experience. Embrace cutting-edge technology for streamlined mortgage processes, saving hours on data re-entry. Enjoy seamless integrations, encrypted document uploads, efficient sourcing, and more. Join us to elevate client service and bid farewell to manual tasks.
OSB Group’s proposition is delivered by our three specialist lending brands – Precise Mortgages, Kent Reliance for Intermediaries and InterBay.
Precise Mortgages is dedicated to helping customers with less-than-perfect credit histories or who are underserved by mainstream lenders through our range of buy to let and residential mortgages, and our bridging finance.
Kent Reliance for Intermediaries provides handcrafted solutions to those whose cases may not fit high street criteria.
Interbay is an industry expert in delivering bespoke solutions to help brokers meet their clients’ complex borrowing needs through our range of commercial and semi-commercial mortgages and bridging finance, including a developer exit range to help clients looking for a way to escape existing development finance loans.
The Group’s offering is backed up by a secure and solid retail savings model, provided by Charter Savings Bank and Kent Reliance.
Pepper Money is a broad specialist lender. We exist to help people succeed. Championing individuality and looking for opportunities to say yes, rather than reasons to say no. We understand that brokers have a range of different needs, because their customers do, too. These clients may want to take the next step in their homeowning journey. Brokers want to help them, in the most efficient and profitable ways. We’re here to help both parties fulfil their ambitions. By offering simple, inclusive products. By having a human approach to decision-making. By being easy to work with. And by providing specialist expertise that can be relied on. After all, when you keep an open mind and listen to people, everyone succeeds.
At SBI UK we offer a competitive range of Buy to Let Mortgages on both an Individual basis and an Ltd Company basis. Whether your client is taking their first step to become a landlord or expanding their current property Portfolio SBI UK should be your first stop. Our offering is there to cater to all your client’s Buy-to-Let needs; whether they are looking to Purchase or simply re-mortgage an existing Buy to Let.
Our rates are very competitive and we aim to offer the best possible terms to both existing and new clients. Please see available rates on our website:
Stonebridge is one of the largest independent mortgage and protection networks in the UK, with a professional community of more than 1,000 mortgage advisers. Providing award-winning support to mortgage brokers since 1988, Stonebridge’s core purpose is to help our member firms deliver brilliant service. We never forget their individual needs and ambitions and we work closely with them to achieve their goals.
Our flexible proposition, sales development and support ensures all regulatory requirements are met, alongside our wholly-owned ‘Revolution’ software, which provides a wealth of tools and systems designed to free up adviser’s time to focus on giving mortgage advice.
Tandem, a new specialist lender who are challenging the mortgage world with some great criteria, who can complete a Remortgage quicker than any other lender.
Tandem are a 100% intermediary focused lender, and they put you, the broker, at the centre of their thinking. That’s why I am inviting you to register with Tandem today, with the opportunity to win a £50 Amazon voucher, where a winner will be selected at random after registration. The link to register with Tandem is here
https://www.intermediary.tandem.co.uk/registration
Re-Mortgages can be completed within 15 days of a DIP accept
Maximum LTV 90% for purchase and remortgage, including Debt Consolidation
Unsecured loans acceptable as a deposit
Fair View Credit Assessment - Tandem only assess the client's most recent 22 months credit history for product terms
All CCJs/defaults under £750 are ignored, above this amount, Tandem assess on number not value
People talk about ‘specialist lending’. Technically that’s what we do, but ‘specialist’ isn’t how we see ourselves. Our business is simple — lending for real life.
It isn’t all nine to five. There are self-employed people, folks who make a living as landlords, people who have maybe been through some tough times, or who have the odd gremlin on their credit report. Real people.
Mainstream just isn’t us — we don’t use credit score cascading or faceless, inflexible processes. Our underwriters would rather work with brokers to come up with real answers to real issues. We call it lending for real life.
The Mortgage Works is a subsidiary of Nationwide Building Society and has an enduring commitment to supporting landlords and the broker mortgage market. Every broker has access to an expert Business Development Manager, helping them grow their business. We provide competitively priced mortgage products and excellent service. And continually invest in improved technology.
Service is at the forefront of our proposition. We have a network of field and telephone BDMs, so every broker has a specific point of contact. And our support teams are available via telephone and Broker Chat for pre-application queries, along with a post-application team ready to help with ongoing applications.
No minimum personal income requirements
No maximum age for Experienced Landlords at 65% LTV or less. For other applicants or LTVs, maximum age at application is 70 years.
Buy to Let and Let to Buy products up to 80% LTV. With a range of product fees to suit your clients’ needs.
Limited Company proposition with products available up to 80% LTV and 125% Interest Cover Ratio
Portfolio landlords accepted, and no limit on number of properties held
Together has been delivering specialist secured lending for more than 47 years, using its wealth of expertise and industry knowledge to consider individual circumstances to find a way to help its customers. All applications are considered on their merits and the commercial product range includes short-term finance, buy-to-let, commercial and semi-commercial mortgages and loans, auction finance and development funding throughout mainland UK.