Not only do we have market leading rates, but a fabulous range of residential mortgage products with flexible criteria to help you help more customers achieve their home buying dreams.
In response to the growing needs of our customers and the market, we have extended our criteria to cater for a wider range of scenarios including:
- Max loan size is now increasing to £1m up to 85% LTV
- We are increasing DTI to 50%
- 0 LTI can be used up to 60% LTV and 4.5 LTI up to 85% LTV
- We support customers with CCJs, defaults and missed mortgage payments
- Up to 75% of commission, bonus and overtime accepted
Our residential products support purchase, remortgage, first time buyers, customers without mortgage history and those looking for an interest only mortgage.
We accept: (subject to sufficient evidence)
- Employed = multiple income stream and zero hours accepted.
- Self-employed = Ltd Co and sole trader using latest years accounts
- Contractors = day rate x 5 x 48 weeks
And most importantly, we don’t restrict LTV based on property type or construction. From castle to council house, high rise to farmhouse all the way to the flat above the pub.
We manually underwrite every case offering a flexible approach and ability to take a view.
Contact us!
Our exceptional team of telephone BDMs and underwriters are available by phone and email, Monday-Friday to help you on 0207 031 1551
Or
mortgage.enquiries@utbank.co.uk