We are well known for our market leading approach to adverse, but it is our non-adverse criteria which is surprising more and more brokers, for example think of us for…
Remortgages:
- Top tier products with rates as low as 2.90%.
- Capital raising up to 85% LTV for…
- Debt consolidation – with no DTI ratio’s, upper value limits and the debts being consolidated do not impact affordability.
- Business purposes.
- Home Improvements.
- No Credit Scoring – at all!
- AVM’s available up to 75% LTV!
Affordability:
- We can and do, take working income to age 75 – plausibility applied.
- 5x income multiple for strong cases – affordability MUST support.
- On interest only cases, affordability assessed on an interest only basis NOT a repayment basis.
- 100% of 2nd jobs taken into account.
Interest only cases:
- 60% LTV.
- No Minimum Equity Requirement.
- Minimum income is only £18k per application.
Self-Employed:
- 85% LTV available.
- Only need 1 year’s trading.
- ALWAYS (not sometimes) take the latest years figures for affordability.
All the above comes hand in hand with an award-winning service and a dedicated case manager to support you through to Mortgage Offer.