Intermediary FAQs

If you have a query about a current or new mortgage application, please contact our Customer Relationship team at [email protected] or call us on 0345 849 4040

Yes, applications will be considered under our portfolio range from limited companies and limited liability partnerships (LLP) registered and trading in England, Wales or Scotland. Please see our Portfolio lending guidelines and submission requirements for full limited company and LLP criteria.

No, unfortunately our products are not available for first-time buyers.

Yes, under our portfolio product range. For full criteria, please see our Portfolio lending guidelines and submission requirements.

An applicant must be a minimum of 21 years of age, and a maximum of 80 years of age at the end of the mortgage term.

Yes, applicant(s) should have a minimum combined gross annual income of £25,000. For full criteria, please see the lending guidelines appropriate to your customer. Our Non-portfolio lending guidelines and Portfolio lending guidelines can be found in our documents section.

Yes, the minimum loan amount is £30,000 and for further advances, it’s £5,000.

For non-portfolio customers a lending limit of £1,000,000 will apply.

For portfolio customers a total mortgage exposure per borrower of £5,000,000 may be advanced.

Yes, on an individual basis we can refer properties to our Regional Surveying team. Please contact our Customer Relationship team on 0345 849 4040 for more information.

Unfortunately, once you have agreed to the credit search on the online application, you are unable to amend the information you have provided. If the incorrect information has put the case outside of our lending criteria, please call our Customer Relationship team on 0345 849 4040, who will advise the best way to progress that particular case.

No. When the application has been reviewed by an underwriter, an email will be sent requesting the specific documentation required to support the case.

This could be for two reasons. When completing the credit search it has either been referred or declined, or you have entered something which falls outside of our lending criteria. If this message pops up, then call the number and quote your reference number, and someone will be there to help.

Once you have passed the credit check, the system will automatically save your application from the last completed page. To resume, log back in and click through to web applications.

If you are interested in working with us, simply fill in our online form and one of the team will call you back.

Alternatively, you can contact our Business Relationship and Training Managers, Dave, Nick, Andy or Sally and they’ll be happy to help.

Yes. We only work with intermediaries who are FCA authorised.

Every intermediary we work with must be fully authorised by the FCA as an intermediary for second charge mortgages.

Yes. Your registration will need to cover "provision of financial service and advice"

We only accept second charge mortgage applications from our panel of registered introducers. To become a registered introducer with us, you can fill out our online form or contact one of our Business Relationship Managers.

By working with us, you will have access to our industry knowledge and experience as well as the following market leading support:

• On-site training and case-screening to maximise conversion rates and speed up completions
• Superb systems delivery with real-time case tracking
• Direct contact with our underwriters so you can discuss your case with someone who has the knowledge to help you
• Market leading and transparent products offered with no lender administration fees
• An on-line referral process when you need common sense underwriting