Joe Dewsbury, BDM, explains… Click here to watch! <70% LTV Downsizing (sale of main residence) £150k minimum equity* No minimum income threshold 90 years – maximum age at end of term Affordability calculated on an interest only basis. *All applications are subject to full underwriting, affordability and valuation. If you need the human touch, then […]

Lending up to 7x LTI for Higher-Income Applicants We now offer lending up to 7x loan-to-income (LTI) for applicants with a minimum income of £60,000 per annum, up to 90% LTV. Lower Income Threshold for Higher LTI Borrowing We have reduced the minimum income requirement from £60,000 to £40,000 per annum for customers seeking to borrow at 4.5x LTI and above (to

Automating valuations. Accelerating lending. When trying to obtain finance at speed for a client, anything that can help minimise delays is welcome. If a valuation can be conducted in seconds rather than waiting days for an appointment, that can make the difference between completing a deal and satisfying a client – and a missed opportunity.

Source Strengthens Offering by Adding Integra to Their Home Insurance Panel Source Insurance and Integra Insurance Solutions are pleased to announce a new partnership that sees Integra join the Source home insurance panel. This partnership forms part of Source’s ongoing strategy to build and enhance its offerings, providing advisers with greater choice, broader risk coverage,

More choices for those with a less than perfect credit profile   We’ve improved both our Core and Near Prime Ranges – giving you more choice for customers with less than perfect credit. If your customer’s credit has light adverse, start with our Core Range first. If their profile needs broader criteria, simply switch the AIP to Near

We hope you’re already familiar with the wide range of products and valuable benefits Zurich has to offer. But did you know there’s an opportunity to unlock even more value for both you and your customers? By building a Menu Plan with us and combining several of our cover options, your customers can take advantage

Big Mortgage Criteria Changes We’re introducing four major enhancements to our lending policy to give brokers more flexibility and open the door for more of their clients:  Zero Hour Contracts – Accepted in more scenarios, with LTV restrictions removed Self-Employed Company Directors– Salary + net profit(for >25% shareholding) Buy to Let– No minimum income requirement(except

We wanted to let you know that following a review of our product transfer proposition, we’re changing the application window from six months to four months. Why are we making this change? As the rate environment has become more stable, most customers now apply within the last four months of their outgoing product. A 4-month

With relaxed criteria, placing your complex cases is a breeze.   Your summer cases just got easier to handle. We’ve listened to your feedback and turned up the heat on our residential solutions for loans up to £5m, including expat scenarios. From non-standard income to high-value loans, our latest enhancements have been designed to make

Case by case – complex cases with expert solutions   At Foundation Home Loans, we know no two landlords, or their portfolios, are the same. That’s why our products are designed to support complex cases with flexible, expert solutions. Check out the following example of how we can help landlords with tricky standard HMO limited