Intermediaries Hub

Q: Do you accept applicants with adverse credit?

1. Yes. We apply common-sense underwriting and can often help borrowers with historic credit issues, CCJs, or arrears.

Q: Do you lend to limited companies and SPVs?

1. Yes, we accept applications from both individual landlords and limited company/SPV structures .

Q: How quickly will you respond to a referral?

We respond to referrals within 2 hours if received by 5pm.

Q: What is the turnaround for new case submissions?

Cases received by 3pm will be reviewed the same day , with an update provided.

Q: What’s your average completion time?

1. Most cases complete within 2–3 weeks , though faster completions are possible where title insurance is used.

Q: Do you offer free legals?

Yes. For loans up to £100,000 on unencumbered properties or second charges in England, Wales, and Scotland , we offer free legal work. We also accept title insurance for our first charges , which helps speed up completion .

Question 1

What types of loans do you offer?

Answer

We provide a range of specialist property finance solutions including First and Second Charge Buy to Let Mortgages, First and Second Charge Bridging loans and Second Charge Homeowner Business loans. We also offer Equitable Charges in some scenarios.

Question 2

What is your minimum and maximum loan size?

Answer

Our loans start from £10,000 for Buy to Let Mortgages and £25,000 for Bridging Loans up to £500,000.

Question 3

What is your maximum Loan-to-Value (LTV)?

Answer

We consider up to 75% LTV.

Question 4

Do you accept applicants with adverse credit?

Answer

1. Yes. We apply common-sense underwriting and can often help borrowers with historic credit issues, CCJs, or arrears.

Question 5

Do you lend to limited companies and SPVs?

Answer

1. Yes, we accept applications from both individual landlords and limited company/SPV structures.

Question 6

Do you accept non-standard property types?

Answer

Yes, we can consider a wide variety of property constructions, subject to valuation.

Question 7

How quickly will you respond to a referral?

Answer

We respond to referrals within 2 hours if received by 5pm.

Question 8

What is the turnaround for new case submissions?

Answer

Cases received by 3pm will be reviewed the same day, with an update provided.

Question 9

What’s your average completion time?

Answer

1. Most cases complete within 2–3 weeks, though faster completions are possible where title insurance is used.

Question 10

Do you offer free legals?

Answer

Yes. For loans up to £100,000 on unencumbered properties or second charges in England, Wales, and Scotland, we offer free legal work. We also accept title insurance for our first charges, which helps speed up completion.

Question 11

Can you meet auction finance deadlines?

Answer

Yes. With the use of title insurance and responsive underwriting, we can complete within tight timescales.

Question 12

Do you charge early repayment charges?

Answer

ERCs may apply depending on the product, but we also offer options with no early repayment charge.

Question 13

What are your arrangement and valuation fees?

Answer

1. Arrangement and valuation fees vary by product and property type. Your BDM can provide a tailored breakdown.

Question 14

Do you require proof of personal income?

Answer

Not always. If the application meets our minimum rental cover, proof is usually not required.

Question 15

Do you accept overseas landlords?

Answer

No, we don’t.

Question 16

Do you work with portfolio landlords?

Answer

1. Yes, we welcome all types of landlords—from first-time landlords with one property to experienced portfolio landlords.

Question 17

What documents do you need upfront?

Answer

1. We usually require basic ID, proof of address, property details, and proof of rental income. Additional documents may be requested during underwriting.

Question 18

Do you assess cases manually or by computer?

Answer

1. Every application is assessed by an underwriter, not a computer. We take a case-by-case view to support brokers with clients who may not fit high street criteria.

Question 19

Can you be flexible if a case doesn’t fit criteria exactly?

Answer

Yes. We pride ourselves on applying practical, common-sense lending. Speak to your BDM to discuss exceptions.

Question 20

Do you provide dedicated BDM support?

Answer

Yes, every broker has access to a dedicated BDM and our underwriting team for case updates.

Question 21

Can I speak directly with an underwriter?

Answer

1. Absolutely. We encourage direct conversations with underwriters to help move cases forward quickly.

Question 22

When are broker fees paid?

Answer

We pay procuration fees on completion, usually within 24 hours.

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