A specialist approach that turns complex cases into completed mortgages. Do you have self-employed clients with complex or non-standard income? Did you know we offer flexible and common-sense lending for self-employed clients, contractors, CIS workers and zero-hour earners. With manual underwriting and real solutions. Flexible income assessments For directors we’ll work off latest years’ accounts, using the highest of salary + dividends, or salary + share of […]

We’ve expanded our Buy to Let Range to 80% LTV across both personal and limited company applications, available on houses and flats, with the option to add the product fee to the loan.  Buy to Let highlights Less than perfect credit profiles considered Maximum age 85 at the end of the term No minimum income,

One week on from the Budget – has the dust really settled? Not quite. Big changes are on the horizon for the housing market, and the ripple effects could be significant. From new tax measures for high-value homes to pressures on landlords and affordability challenges, the announcements are shaping the conversation for 2026 and beyond.

As the holiday season approaches, your clients may be working to a tight deadline — and when you think of speed, think Mercantile Trust Here’s a quick look at our Bridging Loan criteria: Max LTV: Up to 75% (first and second charge) Monthly variable rate (first charge): 0.95% Monthly variable rate (second charge): 0.96% Net loan (first charge): £25,000

Here’s a quick summary of the latest updates and key details from Zephyr Homeloans: Updates: Large HMO & MUFB Fixed Rates reduced by 25bps (26 Nov). All Fixed Rates reduced by 10bps (10 Nov). Rates must be secured within 60 days of application. Key Details: Loan Types: Buy-to-let mortgages for individuals and limited companies. Maximum Loan

We’ve introduced a new discount Expat BTL mortgage: 2 Year Discount at 5.29% (2.31% Discount from our SVR, currently 7.60%), 75% LTV, £999 fee, max loan £1m. As it’s a discount product, it also benefits from up to 25% overpayments without ERC. Product page

We’ve improved our affordability calculator – up to 25% more borrowing power now available. On 1 December, we made further improvements to our Owner Occupier affordability calculator for Repayment and Interest-Only mortgages. This significantly enhances how much your clients can borrow. These updates are designed to give you greater flexibility and support more positive outcomes

Christmas is nearly upon us, the budget is finally out of the way and the good news is that West One can still get your bridging deals completed before the big day. Think of us as your financial elves—quick, efficient, and working right up to Christmas (as well as during and after)! Before you dive into

We’ve delivered another improvement today, which should enable you to place more business with Pepper and support the borrowing needs of more customers. As always, if you have any questions, please contact your BDM. Increased Maximum Repayment Term For loans of £150,000 and more we’ve increased our maximum repayment term from 30 to 40 years,

We are pleased to share that from today, Friday 28th November, our maximum loan-to-income (LTI) has increased from 4.5x to 5.5 across both The Mortgage Lender and Bluestone Mortgages.  This means we can now assess affordability across our residential range using a maximum multiple of 5.5x, for single or joint incomes.  The update applies to all repayment types and