FAQ's

All you need to know before you apply

Thinking about applying for one of our mortgages? Here are the answers to some questions we often get asked by potential applicants.

We’re a UK mortgage lender, backed by a global financial institution. We help people who may have been knocked back by high street lenders or are getting back on their feet financially.

If you want to apply for a mortgage and your situation involves any of these things, we may be able to help.

We’re a UK mortgage lender, backed by a global financial institution. We help people who may have been knocked back by high street lenders or are getting back on their feet financially.

If you want to apply for a mortgage and your situation involves any of these things, we may be able to help:

  • Previous financial difficulties
  • Complex income
  • Self-employment
  • Limited credit history

Because mortgages can be complicated, especially in the cases we specialise in, we’ve decided to partner with advisers. They can help you find the right deal.

Click here to find a mortgage broker near you.

A number of things can affect how long it takes to get a mortgage with us. In some cases, it’s possible to get a mortgage in about the same time you would with any high street lender. In others, we may need you to find more documents or information. We understand it can take a while to dig these out – we hope you’ll understand it also takes us time to process them manually, review your case and come back to you.

At the moment, we don’t lend on properties in Scotland or Northern Ireland.

However, if you’re looking to buy in England, Wales or on the Isle of Wight, we can help.

To find out about our fees, you can download our Tariff of Charges here.

If you’ve been trading for over a year, chances are we’ll be able to help. Your adviser can give you more guidance on our specific requirements for applying.

Click here to find a mortgage broker near you.

We’ll need to see evidence that you’ve been contracting for over 12 months and there will be other details we need to confirm. Your adviser will be able to let you know more about this.

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In some circumstances, Yes.

We do have limitations on the number of CCJs we can accept that were registered in the last 12 months, but we don’t have a maximum value and we don’t need them to have been cleared before you submit your application. Speak to your adviser to find out more.

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We may be able to help if you were discharged more than 6 years ago. Speak to your adviser to find out more.

Click here to find a mortgage broker near you.

No. We do not currently offer foreign currency mortgages. 

We’ll need to consider your personal circumstances including your pension income. Your adviser will be able to give you some guidance on this.

Click here to find a mortgage broker near you.

We require that any missed mortgage payments were at least 12 months ago and you’ve been back up to date with payments for at least the last 6 months. There may be other considerations too, so it’s best to speak to your adviser for further guidance.

Click here to find a mortgage broker near you.

Credit reports are provided by credit reference companies like Experian, Equifax and CallCredit. If you want to look at your credit report you can go through one of these companies. If something on it looks wrong, get in touch with the company who provided your report, and they’ll help with what to do next.

Note: When we consider your application we check your Equifax credit report, so it may be worth getting your adviser to check this before making your application.

For the fullest answer to this question, please visit our How we use borrowers’ data page.

This explains:

  • Who we are
  • How and why we collect, use and share your information
  • Your rights regarding your information
  • How to contact us
  • Who to contact if you have a complaint

For the fullest answer to this question, please visit our How we use non-borrowers’ data page.

This explains:

  • Who we are
  • How and why we collect, use and share your information
  • Your rights regarding your information
  • How to contact us
  • Who to contact if you have a complaint

The LMR or the Lender Managed Rate is a variable rate of interest which we set. We may use this as the reference for setting the variable interest rate we switch the mortgage to at the end of the initial product fixed rate period.

Find an Independent Financial Adviser

Our products are only available through mortgage advisors. Find an independent financial adviser (IFA) that we recommend today.

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.